Acura RDX Car Insurance Rates for 2023

How much does Acura RDX car insurance cost? We analyzed insurance rates from the base 2WD model up to the A-Spec Advance trim to see how prices compared to other small luxury SUVs.

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How much does Acura RDX insurance cost?

Acura RDX car insurance costs an average of $1,508 per year, or around $126 a month. With the average small luxury SUV costing $1,960 a year to insure, the Acura RDX would save around $452 each year.

When compared to all vehicles it also fares well, as the average RDX insurance rate is $220 less than the national average car insurance rate of $1,728.

The chart below shows average car insurance rates on a 2023 Acura RDX based on different driver ages and policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Acura RDX with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Acura RDX trim levels.Data last updated on August 12, 2023
Acura RDX Car Insurance Rates
2023 Acura RDX Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,508$209
$500$2,994$250
$250$3,508$292
30$1,000$1,328$111
$500$1,600$133
$250$1,884$157
40$1,000$1,262$105
$500$1,508$126
$250$1,770$148
50$1,000$1,152$96
$500$1,374$115
$250$1,610$134
60$1,000$1,130$94
$500$1,350$113
$250$1,582$132

As the data shows in the chart, insurance rates go down as driver age increases. Youthful drivers are more inexperienced and therefore pay higher insurance rates. Beyond age 60, rates tend to start creeping back upward, due to the increased frequency of accidents among senior drivers.

Lower physical damage deductibles cost you less if you have a claim, but you will pay more each month. Increasing deductibles from $500 to $1,000 could save around $246 per year. One of the quickest ways to lower your insurance rates is to increase your deductibles, providing you maintain adequate savings to pay the higher deductible in the event of a claim.

Conversely, lowering physical damage deductibles from $500 to $100 can increase the cost of a policy by around $486 a year. Lower deductibles are great when you have a claim as it means less out-of-pocket expense, but you have to pay more monthly for that convenience.

Individual coverages on a typical car insurance policy include comprehensive (or other than collision), collision, and liability. Estimated annual rates for each of these coverages are $382, $714, and $412, respectively.

Does RDX insurance cost more than similar vehicles?

The Acura RDX is one of the lower-cost compact luxury SUVs to insure, ranking first out of 37 total comparison vehicles. When compared to all vehicles it also fares well, as the average RDX insurance rate is $220 less than the national average of $1,728.

When compared to the more popular compact luxury SUVs, insurance for the Acura RDX costs $624 less than the BMW X3, $344 less than the Volvo XC60, $336 less than the Mercedes-Benz GLC300, and $534 less than the Audi Q5.

The chart below shows how average Acura RDX car insurance rates compare to the top 10 selling small luxury SUVs like the BMW X3, Audi Q5, and the Volvo XC60.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Acura RDX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Acura RDX trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 11, 2023
Acura RDX Insurance vs Top Selling Small Luxury SUVs

While the chart above compares the cost of Acura RDX insurance to just the top-selling small luxury SUVs, the table below takes the comparison a step further and ranks the annual rate for RDX insurance against the entire 2023 class.

Acura RDX vs All Small Luxury SUVs Insurance Affordability Ranking
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,508--
2Cadillac XT4$1,634$126
3Volvo XC40$1,664$156
4Lexus UX 250h$1,694$186
5Mercedes-Benz GLA250$1,756$248
6Mercedes-Benz GLB 250$1,762$254
7Lexus NX 250$1,786$278
8Lexus NX 350h$1,806$298
9Lexus NX 350$1,818$310
10Lincoln Corsair$1,820$312
11Lexus NX 450h$1,826$318
12BMW X1$1,838$330
13Alfa Romeo Tonale$1,842$334
14Mercedes-Benz GLC300$1,844$336
15Lexus RZ 450e$1,848$340
16Volvo XC60$1,852$344
17Audi Q3$1,868$360
18Land Rover Evoque$1,878$370
19Volvo C40$1,894$386
20Infiniti QX55$1,958$450
21Mercedes-Benz GLA35 AMG$1,964$456
22Genesis GV70$1,998$490
23Mercedes-Benz EQB 300$2,008$500
24Genesis GV60$2,010$502
25Mercedes-Benz GLA45 AMG$2,020$512
26Alfa Romeo Stelvio$2,028$520
27Audi Q5$2,042$534
28Land Rover Range Rover Velar$2,050$542
29Mercedes-Benz EQB 350$2,052$544
30BMW X4$2,092$584
31Land Rover Defender$2,098$590
32Jaguar F-Pace$2,106$598
33Audi Q4$2,120$612
34Porsche Macan$2,122$614
35BMW X3$2,132$624
36Jaguar I-Pace$2,252$744
37Aston Martin DBX$3,514$2,006

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 2023
Acura RDX vs All Small Luxury SUVs Insurance Affordability Ranking

As demonstrated by the data above, the Acura RDX is one of the cheaper small luxury SUVs to insure, costing $452 less per year on average as compared to similar vehicles in the small luxury SUV class, which averages $1,960 a year.

According to the Insurance Institute for Highway Safety, Acura RDX models for reporting years 2016-2018 have substantially better than average insurance loss trend histories.

For example, the RDX 4-door AWD trim level has the following loss percentages when compared to average losses for six insurance categories:

  • 30% better collision losses
  • 22% better property damage losses
  • 34% better comprehensive losses
  • 24% better personal injury losses
  • 37% better medical payment losses
  • 48% better bodily injury losses

Not all RDX trim levels have identical loss trends but based on this data, it supports the conclusion that Acura RDX insurance rates are positively impacted by both lower loss payment amounts and claim frequencies.

Vehicle safety features like collision warning and automatic braking often translate to lower collision and liability insurance rates, while features like complete airbag protection result in lower and less frequent medical payments.

Frequently asked questions about RDX insurance

The $1,508 annual cost of insurance shown above is an approximation based on many different factors. Criteria such as the age of your vehicle, policy coverage limits, your driving record, where you live, and your age and gender all have an impact on the final price you pay to insure an Acura RDX.

Will an older RDX cost less to insure?

Generally, yes. With all other factors staying the same, insuring a model that is a few years old will save money compared to insuring a new RDX right off the dealer lot. Newer models have a higher replacement cost, which means if the vehicle is totaled, the insurance company will have to pay more to replace the vehicle. The higher the replacement cost, the higher the physical damage insurance cost.

However, not all rating factors are the same for every model year of vehicle. Newer models may include additional safety features that reduce the likelihood of medical claims for occupants. Crash prevention features may also be included that reduce the overall liability insurance cost for a particular model year.

These types of model year changes can actually make a newer model year cheaper to insure than a prior model year.

The table below shows the average annual insurance cost for a range of Acura RDX model years and driver ages.

Acura RDX Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Acura RDX$2,994$1,508$1,350
2022 Acura RDX$2,864$1,452$1,298
2021 Acura RDX$2,790$1,414$1,264
2020 Acura RDX$2,752$1,392$1,246
2019 Acura RDX$2,870$1,450$1,296
2018 Acura RDX$2,728$1,376$1,232
2017 Acura RDX$2,626$1,326$1,188
2016 Acura RDX$2,324$1,174$1,054
2015 Acura RDX$2,100$1,070$958
2014 Acura RDX$2,236$1,126$1,012
2013 Acura RDX$2,194$1,112$998

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Acura RDX Insurance Cost by Model Year

Annual insurance rate averages for 2013-2015 RDX models demonstrate the point that was made earlier about newer models actually costing less to insure than older ones. Average rates dropped each model year from 2013 to 2015 before increasing with more recent model years.

Do good safety ratings mean cheaper insurance rates?

The Acura RDX has excellent safety ratings for recent models, and reducing the chance of passenger injuries translates into lower auto insurance premiums. The 2021 and 2022 Acura RDX models earned an IIHS Top Safety Pick+ designation.

In government crash tests, 2020, 2021 and 2022 models earned NHTSA five-star overall ratings. The results for the 2022 model are as follows:

  • Frontal crash driver side: 4 stars
  • Frontal crash passenger side: 4 stars
  • Side crash: overall 5 stars
  • Rollover: 4 stars – 15% rollover risk

Safety features on the RDX verified by or reported to NHTSA include:

  • Forward collision warning
  • Lane departure warning
  • Crash imminent braking
  • Dynamic brake support

Do higher trim level RDX models cost more to insure?

In general, yes. The higher the trim level, the more the vehicle costs, resulting in a higher replacement value. The insurance cost difference between the base-level front-wheel drive RDX ($41,350 MSRP) and the upper-end Advance Package AWD ($51,350 MSRP) or the A-Spec Package AWD ($53,350 MSRP) model is around $150 a year.

2023 Acura RDX Insurance Cost by Trim Level
Acura RDX Trim Level Annual Policy Six-Month Policy Per Month
Base 2WD$1,434$717$120
Base AWD$1,466$733$122
Technology 2WD$1,476$738$123
Technology AWD$1,504$752$125
A-Spec 2WD$1,514$757$126
A-Spec AWD$1,540$770$128
Advance AWD$1,564$782$130
A-Spec Advance AWD$1,582$791$132

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Acura RDX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Acura RDX Insurance Cost by Trim Level

Acura RDX average insurance rates by U.S. city and state

Depending on where you live, the cost of insuring your RDX can vary from as low as around $800 in Raleigh, NC, to more than $2,300 a year in locations like Los Angeles and Philadelphia, and closer to $2,600 in New York.

Thankfully, most locations do not cost as much as the high-rate cities mentioned. In fact, in some states like Iowa, Maine, and Virginia, the cost of RDX insurance is closer to $75 a month or around $900 a year or less.

The chart below shows average Acura RDX car insurance rates in the thirty largest metro areas in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Acura RDX, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Acura RDX trim levels.Data last updated on August 11, 2023
Acura RDX Insurance Rates in Thirty Largest U.S. Cities
Acura RDX Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,624$219
Philadelphia, PA$2,334$195
Las Vegas, NV$2,328$194
Los Angeles, CA$2,322$194
San Francisco, CA$2,014$168
Kansas City, MO$1,798$150
Oklahoma City, OK$1,798$150
Denver, CO$1,762$147
Memphis, TN$1,762$147
Atlanta, GA$1,738$145
San Jose, CA$1,692$141
Phoenix, AZ$1,648$137
Portland, OR$1,626$136
San Diego, CA$1,618$135
Boston, MA$1,610$134
Jacksonville, FL$1,604$134
Chicago, IL$1,568$131
Dallas, TX$1,542$129
Houston, TX$1,532$128
Seattle, WA$1,530$128
Nashville, TN$1,472$123
Milwaukee, WI$1,468$122
Albuquerque, NM$1,440$120
San Antonio, TX$1,394$116
Omaha, NE$1,356$113
Fort Worth, TX$1,350$113
Austin, TX$1,332$111
Indianapolis, IN$1,216$101
Columbus, OH$1,122$94
Charlotte, NC$1,076$90

Not everyone lives in a large city, and rates can be downright affordable in more rural areas of America. The table below details the average insurance rates for an Acura RDX by state.

Keep in mind there are a lot of factors that go into determining the rate you actually pay, so it’s a good idea to enter your zip code a the bottom of the table to get real-time rates for your area.

Acura RDX Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,356$678$113
Alaska$1,144$572$95
Arizona$1,382$691$115
Arkansas$1,574$787$131
California$1,814$907$151
Colorado$1,610$805$134
Connecticut$1,672$836$139
Delaware$1,706$853$142
Florida$1,858$929$155
Georgia$1,534$767$128
Hawaii$1,034$517$86
Idaho$1,082$541$90
Illinois$1,324$662$110
Indiana$1,130$565$94
Iowa$1,016$508$85
Kansas$1,480$740$123
Kentucky$1,608$804$134
Louisiana$1,774$887$148
Maine$916$458$76
Maryland$1,398$699$117
Massachusetts$1,636$818$136
Michigan$2,032$1,016$169
Minnesota$1,292$646$108
Mississippi$1,468$734$122
Missouri$1,692$846$141
Montana$1,382$691$115
Nebraska$1,260$630$105
Nevada$1,794$897$150
New Hampshire$1,018$509$85
New Jersey$1,816$908$151
New Mexico$1,240$620$103
New York$1,736$868$145
North Carolina$952$476$79
North Dakota$1,252$626$104
Ohio$1,058$529$88
Oklahoma$1,656$828$138
Oregon$1,406$703$117
Pennsylvania$1,446$723$121
Rhode Island$1,856$928$155
South Carolina$1,264$632$105
South Dakota$1,546$773$129
Tennessee$1,432$716$119
Texas$1,398$699$117
Utah$1,320$660$110
Vermont$1,102$551$92
Virginia$1,010$505$84
Washington$1,360$680$113
West Virginia$1,344$672$112
Wisconsin$1,082$541$90
Wyoming$1,342$671$112

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Acura RDX, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Acura RDX trim levels. Physical damage deductibles are $500 and rates are averaged for all Zip Codes in each state.Data last updated on August 11, 2023
Acura RDX insurance rates by U.S. state

The Acura RDX has a long list of standard features, a roomy cabin, a balanced ride, and athletic handling. The impressive safety features and excellent insurance loss numbers lend a hand in keeping the cost of insurance down.

Despite being classified as a luxury vehicle, the cost to insure the RDX shouldn’t be a factor if you’re considering buying a new or used model. The fact that the cost to insure is below the all-vehicle national average should be considered a definite plus.

References and Additional Resources