Full coverage car insurance for an Acura MDX ranges from $1,087 to $6,021 per year. Rates vary based on the model year, driver's age, location, driving history, coverage level and insurer. MoneyGeek provides a detailed analysis of Acura MDX insurance costs, highlighting the best companies and most affordable options.
Acura MDX Insurance Cost
Updated: February 18, 2025
Key Takeaways
State Farm provides the cheapest annual minimum coverage rate across all Acura MDX model years at $454.
The average annual insurance cost for an Acura MDX is $604 for minimum coverage and $1,388 for full coverage.
To provide these insights, MoneyGeek analyzed data and 4,183 quotes for an Acura MDX from Quadrant Information Services.
Acura MDX Insurance Rates
What Is the Average Acura MDX Car Insurance Cost?
The average cost of full coverage insurance for an Acura MDX is $116 per month or $1,388 per year, based on a 40-year-old male with a clean driving record. Minimum coverage averages $50 per month or $604 per year for the same driver.
| Minimum Coverage | $604 |
| Full Coverage | $1,388 |
Acura MDX Insurance Costs by Company
Acura MDX insurance costs range from $1,111 to $2,194 per year, depending on age, model year and coverage level. The table below compares average rates for various national and mid-size providers and their average rates for all vehicles.
| Allstate | $1,786 | $1,810 | -1% |
| Auto-Owners | $1,127 | $1,227 | -8% |
| Farmers | $1,688 | $1,957 | -14% |
| GEICO | $1,151 | $1,333 | -14% |
| Kemper | $2,194 | $2,210 | -1% |
| Nationwide | $1,367 | $1,590 | -14% |
| Progressive | $1,544 | $1,744 | -11% |
| State Farm | $1,111 | $1,270 | -12% |
| Travelers | $1,206 | $1,524 | -21% |
| USAA | $1,143 | $1,199 | -5% |
Read more: Best Car Insurance Companies
Cost of Insuring an Acura MDX by Model Year
Your Acura MDX's production year affects insurance rates, with older models typically costing less to insure. For instance, full coverage for a 2022 model averages $1,529 per year, while a 2009 model averages $1,230. Below are the average full and minimum coverage rates for each production year.
| 2022 | $594 | $1,529 |
| 2021 | $607 | $1,527 |
| 2020 | $618 | $1,525 |
| 2019 | $625 | $1,504 |
| 2018 | $629 | $1,477 |
| 2017 | $605 | $1,448 |
| 2016 | $628 | $1,418 |
| 2015 | $627 | $1,389 |
| 2014 | $601 | $1,353 |
| 2013 | $622 | $1,317 |
| 2012 | $618 | $1,281 |
| 2011 | $597 | $1,265 |
| 2010 | $622 | $1,247 |
| 2009 | $623 | $1,230 |
Acura MDX Insurance Costs by Driver Age
Acura MDX insurance rates vary widely based on the driver’s age. A 40-year-old pays an average of $1,394 per year for full coverage, while a 16-year-old pays $6,021. Below are the average full and minimum coverage rates by age group.
| 16 | $2,830 | $6,021 |
| 17 | $2,305 | $4,917 |
| 18 | $2,014 | $4,337 |
| 19 | $1,428 | $3,106 |
| 20 | $1,285 | $2,827 |
| 21 | $1,018 | $2,283 |
| 22 | $931 | $2,100 |
| 23 | $864 | $1,961 |
| 24 | $821 | $1,865 |
| 25 | $719 | $1,653 |
| 26 | $702 | $1,622 |
| 27 | $685 | $1,585 |
| 28 | $674 | $1,560 |
| 29 | $664 | $1,537 |
| 30 | $640 | $1,477 |
| 35 | $622 | $1,424 |
| 40 | $615 | $1,394 |
| 45 | $610 | $1,371 |
| 50 | $595 | $1,326 |
| 55 | $579 | $1,288 |
| 60 | $579 | $1,284 |
| 65 | $616 | $1,337 |
| 70 | $669 | $1,431 |
| 75 | $743 | $1,568 |
| 80 | $840 | $1,744 |
| 85 | $909 | $1,872 |
| 90 | $959 | $1,961 |
Acura MDX Insurance Rates Explained
Car insurance rates depend on factors related to your driver profile and the vehicle you drive. Below is a breakdown of vehicle-related factors insurers consider when setting rates.
Acura MDX Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Acura MDX
Average Full Coverage Rate
$1,388Premiums for Acura MDX are:$92 more
This is 7% more expensive.
Value
The Acura MDX's MSRP is $74,695, which classifies it as a luxury vehicle. Its high price can increase insurance costs due to high repair or replacement expenses.
Repair costs
The Acura MDX's annual repair cost is $571, below the national average. However, insurance rates can still be influenced by factors like part availability and cost, labor expenses and repair wait times.
Performance
The Acura MDX has 290 horsepower and accelerates from 0 to 60 mph in 5.5 seconds. Although not a high-performance vehicle, its power can still influence insurance rates.
Vehicle age
Newer cars are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions to this rule.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify your vehicle for insurance discounts. The Acura MDX includes these features to reduce accident risks.
Vehicle size
Larger vehicles, like the Acura MDX, often cost more to insure due to the increased potential for property damage. As a result, insurance rates for the MDX may be higher than for smaller models.
Trim level
Vehicles with higher trim levels, like the Acura MDX's SH AWD and FWD, often feature premium upgrades, leading to a higher MSRP. This results in higher insurance costs compared to base models.
Theft rates
Vehicles at higher risk of theft cost more to insure. According to the Highway Loss Data Institute (HLDI), the Acura MDX has a theft relative claims frequency of 44, which may affect its insurance rates.
Anti-theft features
Vehicles with anti-theft features can qualify for lower premiums. The Acura MDX includes such features, potentially reducing insurance costs.
Cheapest Acura MDX Insurance
State Farm offers the cheapest minimum coverage rate for an Acura MDX at $454 per year, based on a 40-year-old male driver with a clean driving record. Below is a breakdown of the lowest Acura MDX insurance costs across different coverage levels, age groups, driving records, model years and more.
Cheapest Acura MDX Insurance by Coverage Level
The coverage level you choose can greatly affect your Acura MDX insurance rate. State Farm provides the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest car insurance providers for both coverage types.
Cheapest Acura MDX Minimum Coverage
State Farm offers the cheapest minimum coverage for Acura MDX at $38 per month. GEICO, Travelers and Nationwide also provide competitive rates, ranging from $43 to $52.
| USAA | $37 | $443 |
| State Farm | $38 | $454 |
| GEICO | $43 | $513 |
| Travelers | $46 | $548 |
| Nationwide | $52 | $626 |
| Progressive | $58 | $700 |
| Allstate | $59 | $704 |
| Farmers | $61 | $728 |
*State Farm offers non-military-affiliated Acura MDX owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Acura MDX Insurance Rates by Model Year
The list above doesn't consider your Acura MDX's production year, so lower rates may be available depending on your vehicle's age. You can filter the table below to find the cheapest minimum coverage rates for each Acura MDX production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $706 | $59 |
| Farmers | $742 | $62 |
| GEICO | $570 | $48 |
| Nationwide | $647 | $54 |
| Progressive | $683 | $57 |
| State Farm | $445 | $37 |
| Travelers | $596 | $50 |
| USAA | $443 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Acura MDX Insurance
State Farm offers the most affordable full coverage for the Acura MDX at $91 per month or $1,087 annually. Below is a full list of providers and their full coverage car insurance rates for the Acura MDX.
| State Farm | $91 | $1,087 |
| USAA | $92 | $1,110 |
| GEICO | $96 | $1,148 |
| Travelers | $100 | $1,201 |
| Nationwide | $108 | $1,296 |
| Progressive | $127 | $1,530 |
| Farmers | $134 | $1,606 |
| Allstate | $144 | $1,723 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Acura MDX owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Acura MDX Insurance by Age
Younger drivers aged 16 to 25 and seniors aged 55 and up often pay more for Acura MDX insurance than average. Below is a breakdown of the cheapest Acura MDX insurance by age.
Cheapest Acura MDX Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young drivers aged 16 to 25 at $83 monthly or $995 annually for minimum coverage. Below is a table showing the complete list of the lowest rates for young Acura MDX drivers.
| USAA | $77 | $928 |
| State Farm | $83 | $995 |
| Travelers | $95 | $1,135 |
| GEICO | $101 | $1,216 |
| Allstate | $132 | $1,586 |
| Nationwide | $137 | $1,639 |
| Farmers | $163 | $1,956 |
| Progressive | $173 | $2,074 |
*State Farm is the cheapest insurer for young, non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Acura MDX Insurance for Seniors
Seniors aged 55 and up can find the cheapest car insurance with State Farm, offering rates as low as $42 monthly or $500 annually. Below is the full list of affordable insurers for the Acura MDX.
| State Farm | $42 | $500 |
| USAA | $49 | $592 |
| GEICO | $51 | $609 |
| Travelers | $55 | $656 |
| Nationwide | $61 | $734 |
| Allstate | $71 | $853 |
| Progressive | $72 | $861 |
| Farmers | $81 | $976 |
*State Farm is the cheapest insurer for senior, non-military-affiliated Acura MDX owners. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Acura MDX Insurance After an Accident
State Farm, Travelers and GEICO are Acura MDX drivers' most affordable insurance providers after an accident. Check out the complete list below.
| State Farm | $47 | $570 |
| USAA | $57 | $678 |
| Travelers | $64 | $773 |
| GEICO | $67 | $808 |
| Nationwide | $80 | $956 |
| Allstate | $81 | $967 |
| Progressive | $96 | $1,151 |
| Farmers | $123 | $1,479 |
Acura MDX Insurance Cost: Bottom Line
Make it a habit to compare rates from different providers to find the most affordable car insurance. This article offers an in-depth look at Acura MDX insurance, covering the vehicle's costs across various demographic groups and the cheapest providers.
Acura MDX Insurance Rates: FAQ
Here are some common questions about Acura MDX insurance costs to help you understand your options.
What company has the cheapest car insurance for an Acura MDX?
State Farm offers the cheapest car insurance for an Acura MDX, with an annual minimum coverage rate of $454.
What is the average cost of car insurance for an Acura MDX?
The average annual cost of minimum coverage insurance for an Acura MDX is $604, while full coverage typically averages $1,388.
Acura MDX Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 quotes for an Acura MDX from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring an Acura MDX:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Acura MDX insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the actual rate you'll receive for your Acura MDX.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.