Acura ZDX car insurance costs an average of $1,972 per year or around $164 per month, but can vary significantly based on the trim level.
Ranked 10^th out of 10 small luxury SUVs for the 2013 model year, insurance cost for the Acura ZDX costs $304 more per year than the average cost for the segment.

How much are Acura ZDX car insurance rates?

Acura ZDX insurance costs an average of $1,972 per year for full coverage, which is the equivalent of $164 a month. Collision coverage is an estimated $672 per year, comprehensive (or other-than-collision) coverage will cost around $418, and the remaining liability and medical coverage will cost an estimated $882.

The following rate chart breaks down a summary of car insurance rates for an Acura ZDX for different driver age groups and scenarios.

**Figure 1:** Average 2013 Acura ZDX insurance premiums for different driver ages and risk scenarios. Rates updated on October 24, 2025.

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2013 Acura ZDX Insurance Cost Summary
Driver Risk Profile	Annual Premium	Cost Per Month
High Risk Driver Age 30	$4,536	$378
Safe Driver Age 20	$3,972	$331
At-fault Accidents Age 40	$2,822	$235
Low Deductibles Age 40	$2,450	$204
Safe Driver Age 30	$2,084	$174
Safe Driver Age 40	$1,972	$164
Safe Driver Age 50	$1,768	$147
High Deductibles Age 40	$1,724	$144
Safe Driver Age 60	$1,652	$138
Discount Rate Age 40	$1,636	$136

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2013 Acura ZDX trim levels. Updated October 24, 2025

How does Acura ZDX insurance cost rank?

The Acura ZDX ranks 10^th out of 10 comparison vehicles in the small luxury SUV category for most affordable car insurance rates. The ZDX costs an average of $1,972 per year for an auto insurance policy with full coverage and the category average price is $1,668 annually, a difference of $304 per year.

When rates are compared to random models in the small luxury SUV segment, car insurance prices for an Acura ZDX cost $296 more per year than the BMW X3, $626 more than the Acura RDX, and $218 more than the Audi Q5.

The next chart shows how well Acura ZDX car insurance rates compare to the top 10 selling small luxury SUVs like the Volvo XC60, Land Rover Evoque, and the BMW X1. A rate table with more models is included following the chart breaking down typical insurance rates for all 10 models in the small luxury SUV category.

**Figure 2:** Average 2013 Acura ZDX car insurance premium compared to other small luxury SUV models. Rates updated on October 24, 2025.

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Acura ZDX Insurance Cost Compared to All Small Luxury SUVs
Rank	Make and Model	Annual Premium	Difference
1	Acura RDX	$1,346	-$626
2	Volvo XC60	$1,408	-$564
3	Infiniti EX37	$1,516	-$456
4	BMW X1	$1,588	-$384
5	BMW X3	$1,676	-$296
6	Mercedes-Benz GLK250	$1,696	-$276
7	Audi Q5	$1,754	-$218
8	Infiniti FX37	$1,812	-$160
9	Land Rover Evoque	$1,912	-$60
10	Acura ZDX	$1,972	--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2013 model year. Updated October 24, 2025

More rates and discounts

Some other notable insights about Acura ZDX insurance rates include:

Raising physical damage deductibles lowers costs. Raising deductibles from $500 to $1,000 could save around $248 per year for a 40-year-old driver and $478 per year for a 20-year-old driver.
Lowering deductibles makes car insurance more expensive. Dropping your physical damage deductibles from $500 to $250 could cost an additional $256 per year for a 40-year-old driver and $500 per year for a 20-year-old driver.
Young males pay a lot more for insurance. For a 2013 Acura ZDX, a 20-year-old male driver will pay an average rate of $3,972 per year, while a 20-year-old female driver will pay $2,870, a difference of $1,102 per year. Women get significantly cheaper rates. But by age 50, male driver rates are $1,768 and the cost for female drivers is $1,710, a difference of only $58.
Being a cautious driver saves money. Having multiple accidents could cost you more, to the tune of $2,854 per year for a 20-year-old driver and even $850 per year for a 40-year-old driver.
Acura ZDX insurance rates for teenagers are high. Average rates for full coverage ZDX insurance costs $7,306 per year for a 16-year-old driver, $6,979 per year for a 17-year-old driver, $6,072 per year for an 18-year-old driver, and $5,594 per year for a 19-year-old driver.
As you get older, car insurance rates go down. The difference in ZDX insurance rates between a 60-year-old driver ($1,652 per year) and a 20-year-old driver ($3,972 per year) is $2,320, or a savings of 82.5%.
Bring up your credit score and save. Drivers who have credit scores over 800 could save around $310 per year compared to a lower credit rating of 670-739. Conversely, a credit score lower than 579 could cost around $359 more per year.