Bets car insurance for an Acura

Introduction

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

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.

Location

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.

Driving history

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.

Acura model

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
Acura MDX	$1,619	$471
Acura RDX	$1,472	$469
Acura TLX	$1,685	$486
Acura RLX	$2,450	$470
Acura ILX	$1,621	$492

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
Amica	$1,258	$1,094	$1,290	$1,878	$1,223
Erie	$1,085	$1,044	$1,134	$1,517	$1,086
Geico	$1,357	$1,197	$1,354	$2,017	$1,263
State Farm	$1,342	$1,202	$1,354	$1,860	$1,284
USAA	$1,341	$1,303	$1,303	$2,081	$1,191

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

If you drive a Toyota, you probably put a high value on the things Toyota does best: reliability, practicality, and quality that stands the test of time.

You need the same things from your insurance coverage. You’ll need to find a company that offers the right options at the right price—and one that doesn’t waste your time with bad customer service. But every company is different, and comparing options can get overwhelming, fast.

Shopping with Jerry is the most efficient way to nail down the best coverage at the best rate. It takes less than a minute to get competitive customized quotes from top-rated insurers, and you’ll be able to review and select coverage options in the app. Best of all, Jerry conducts regular price monitoring every six months to make sure you’re still carrying the best insurance.

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
Nationwide	$3,552	$2,090
Gainsco	$2,862	$1,133
Mercury	$2,433	$1,113
Infinity	$2,368	$930
Electric	$2,426	$841
State Auto	$1,884	$802
Aspire Advantage	$1,500	$720
National General	$2,061	$549
Dairyland	$2,088	$443
Allstate	$1,884	$387

Compare car insurance quotes for Acura 3.2Tl Type-S

But with all the different insurance companies and coverage options out there, how do you find the right insurance? Easy: you download the Jerry app. As a licensed broker with over 55 partner companies, Jerry can find all the best coverage options for your Toyota in 45 seconds or less! With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.

See for yourself what real Jerry customers saved by shopping for Toyota insurance in the app!

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.

But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver.”

That label doesn’t have to define you—or your insurance policy. Jerry is a pro at navigating insurance premiums for high-risk drivers. No matter what your record looks like (or why it looks that way), Jerry won’t judge, and we won’t let insurance companies get away with overcharging you for coverage. Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates.

Driving Violation	Average Cost	Annual Savings with Jerry
Clean Record	$2,625	$930
Speeding under 15	$2,628	$1,388
Failure to Obey Traffic Sign	$1,824	$624
DUI	$2,160	$214
Driving on Sus. License	$2,160	$214
Suspension	$2,160	$214