Even though insurance companies base premiums on a variety of variables, the brand and model of a car is one of the most crucial ones. Although it might be thought that insurance for an Acura would be pricey because it is a luxury brand, this may not always be the case. According to Bankrate’s 2022 research of quoted yearly premiums, the national average cost of auto insurance for full coverage is $1,674 per year. This figure is based on information for a 2019 Toyota Camry. Most of the time, the cost of insurance for Acuras is comparable to the national average for a standard Toyota Camry.
Numerous other factors, such as geography, driver age, and driving history, frequently affect the price of auto insurance in addition to the type and model of the covered vehicle.
Models we will be talking about in this review:
- Acura MDX
- Acura RDX
- Acura TLX
- Acura RLX
- Acura ILX
How much does an Acura’s insurance cost?
According to premium statistics from Quadrant Information Services, the typical yearly premium for full coverage for all Acura models is close to $1,769 per year. Of course, premiums differ depending on the model and the insurer. In comparison to the $1,674 average annual cost of complete coverage across the country, this average costs around $8 more per month.
The typical price of auto insurance that you might anticipate paying is significantly influenced by the make and model of the vehicle. In addition to having various rates, insurance companies may differ in how much the type and model of an automobile are taken into account when determining premiums.
- Safety features – When determining rates for each make and model of car, insurers take into account a number of variables. The Acura MDX and Acura RDX, two of the best-selling luxury SUV models, receive extremely high ratings from the Insurance Institute of Highway Safety (IIHS). All of the other Acura vehicles on our list are sedans, and they all typically receive favorable ratings from the IIHS. The construction and safety cage of Acura vehicles, as well as other safety features, receive good ratings from the IIHS. Due to lesser insurable risk, these excellent safety ratings may lessen the likelihood of a claim and hence cut the cost of Acura auto insurance rates.
- The cost of parts is a key consideration for insurers. Since Acura is Honda’s luxury vehicle line, its parts are typically more expensive, which might raise insurance prices.
Factors that affect Acura car insurance rates
Car insurance companies use a long list of factors to determine insurance premiums. These factors range from those out of your control, such as your age, to those within your control, like your driving record. Acura Drivers might find it helpful to understand just how car insurance rates are calculated. A few of the most common factors used to calculate auto insurance are as follows:
Age is one of the most significant factors used to calculate car insurance premiums. Young drivers with little to no driving experience often have higher premiums. Meanwhile, senior drivers over a certain age may also pay more for car insurance, based on statistics.
Where you live in Canada can also determine your insurance rate. Acura drivers who live in major cities like Toronto and Calgary, or those who live in regions prone to climate related incidents, may pay more for car insurance. Conversely, those who live in rural parts of the country could have lower insurance premiums as there are fewer cars on the roads and therefore their odds of getting into an accident are less.
One’s driving history will also be taken into account by insurance companies. Driving history combines driving experience and driving record. Typically, drivers with more experience on the road pay less for insurance. However, you must have a clean driving record to back up this experience. The cleaner your record, the less risky you are, and the lower your insurance premium will be. In contrast, if your driving record is filled with DUIs, accidents, or speeding tickets, no matter how many years of driving experience you have, you could pay more for car insurance as a result. Therefore, one of the most effective ways of minimizing how much you pay for car insurance is by driving the speed limit, driving defensively rather than offensively, and generally obeying the rules of the road.
The specific Acura vehicle you drive can also affect your insurance rate. Often, the more expensive the vehicle, the more it will cost to insure. So if budget is a concern, you may wish to buy one of the more economical Acura models, like the ILX, TLX, or RDX. Finally, whether you buy a used or new Acura model can also impact the cost of your car insurance, with used cars typically costing less to insure than new vehicles.
Car insurance for an Acura: by model
Knowing how insurance prices differ by model might help you decide what to buy, but keep in mind that each person’s rates will change depending on their particular situation and driving record.
The flagship Acura MDX SUV’s average annual premium for full coverage is $1,619, which is less than the national average for a 2019 Toyota Camry. SUVs often cost less to insure since they are more likely to survive an accident, and the MDX has received excellent safety ratings.
The average cost of comprehensive insurance for an Acura RDX, which has strong safety ratings like the MDX but is smaller and less expensive, is $1,472, which is even less than the average cost for an MDX.
The company’s top luxury automobile, the Acura TLX, typically costs $1,685 for complete coverage. Sedans are now frequently more expensive to insure than SUVs, despite the model receiving high safety ratings from the IIHS.
The Acura RLX served as the brand’s premier sedan until it was retired in 2020. The current most costly Acura to insure with full coverage is $2,450 annually, according to national averages. The tiny Acura ILX’s average yearly cost to fully insure is $1,621, less than the country’s average for auto insurance, likely because of its lower price tag.
Average annual premium by model
|Model||Full coverage||Minimum coverage|
Cheapest car insurance companies for Acuras
According to rates from the top five insurers in the US by market share, each insurer uses a different methodology to calculate the cost of coverage for each Acura model, but generally speaking, Acura SUVs are less expensive to insure. According to recent data, Erie Insurance offers the most affordable annual premium rates for all Acura models, although individual prices will vary depending on the circumstances of each driver.
Average annual premium for full coverage by model
|Car insurance company||MDX||RDX||TLX||RLX||ILX|
Acura features that impact insurance costs
- Higher Level Compatibility Engineering body structure: In recent redesigns of the Acura models, an emphasis was placed on improving each vehicle’s body structure to make it safer for the occupants. For example, in frontal crashes, force is distributed evenly over the front of the vehicle. Because of Acura’s greater survivability and structural integrity, insurers might be able to give lower premiums. This is because there is a smaller chance that an Acura’s occupants will suffer an injury.
- Systems to Prevent Crashes: Acura has equipped its vehicles with a number of crash prevention systems, such as automatic emergency braking, lane-centering steering, and pedestrian recognition. These features can be viewed by insurers as lowering the chance of collisions generally, which could result in cheaper premiums.
- All Acura cars come equipped with numerous safety cams, including blind spot assistance, which warns drivers of potential dangers. This technology aids in crash mitigation, which is why insurance companies may impose cheaper premiums.
- All Acura cars are equipped with this standard feature to help with driving in slick situations. This feature enables the automobile to automatically adjust if there is under- or oversteering or traction loss to keep drivers’ attention on the road.
Best car insurance companies for your Acura 3.2Tl Type-S
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Take a look at the table below to see the options different insurance companies offer for Acura 3.2Tl Type-S drivers.
Other car insurance coverage for Acuras
Most jurisdictions mandate that drivers maintain at least a minimum level of bodily injury and property damage liability coverage on their vehicles, which covers losses incurred in crashes if the at-fault party is at fault. Although all auto insurance providers are required to give the very minimal coverage, it may be wise to get higher liability limits to better safeguard your funds.
There are numerous more coverage options for auto insurance in addition to various liability limitations. Full coverage auto insurance doesn’t have a standard definition, but it often covers your automobile for both collision and comprehensive damage. To cover medical expenses for you and any passengers in your car up to the coverage maximum, you can also add medical payments coverage. From there, many auto insurance providers offer additional ways for you to customize your coverage, which can be a wonderful method to guarantee that your auto insurance is best suited to your requirements and way of life.
|Insurance company||Average Cost||Annual Savings with Jerry|
Compare car insurance quotes for Acura 3.2Tl Type-S
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|Quote Date||Zip Code||State||City||Name||Age||Insurance Company||Before Jerry||After Jerry|
|May 24, 2021||91732||CA||El Monte||Dennis C.||40||National General||$2,160||$1,820|
|July 7, 2022||75165||TX||Waxahachie||Eddie Y.||29||State Auto||$1,884||$948|
|January 7, 2022||30039||GA||Snellville||Edwin W.||26||Progressive||$1,824||$1,200|
|November 4, 2021||19119||PA||Philadelphia||Jeff J.||21||Clearcover||$3,600||$1,097|
|February 24, 2022||14212||NY||Buffalo||Alice P.||44||Safeco||$3,720||$2,456|
Best car insurance companies for Acura 3.2Tl Type-S drivers with bad driving records
Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
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|Driving Violation||Average Cost||Annual Savings with Jerry|
|Speeding under 15||$2,628||$1,388|
|Failure to Obey Traffic Sign||$1,824||$624|
|Driving on Sus. License||$2,160||$214|
What is the average acura MDX insurance cost?
Based on MoneyGeek’s study, the average cost of car insurance for an Acura MDX is $1,279 per year. However, individual rates may vary depending on certain factors like your location, your age, and the model year of your car.
Is it expensive to insure Acura MDX? Why?
Generally, the cost to insure an Acura MDX is inexpensive. Insurance carriers tend to charge less due to the car model’s low value and low horsepower.
What is the best company overall for Acura MDX insurance?
MoneyGeek’s scoring system ranked USAA as the best insurance provider for Acura MDX drivers.
What is the cheapest insurance company for Acura MDX insurance?
According to MoneyGeek’s data, GEICO offers the cheapest insurance rates for drivers who own an Acura MDX.