Car insurance for an Acura

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While insurance companies determine rates based on a number of factors, a car’s make and model is one of the most important. As Acura is considered a luxury brand, it might be expected that insuring an Acura could be expensive; however, that is not necessarily the case. The national average cost of car insurance for full coverage is $1,674 a year, which is based on data related to a 2019 Toyota Camry, according to Bankrate’s 2021 study of quoted annual premiums. In most cases, the cost of coverage for Acuras is not wildly different from the national average for a basic Toyota Camry.

Beyond the make and model of the insured car, many other categories commonly impact the cost of car insurance, including location, driver age and the driver’s driving history.

Models included in this review:

  • Acura MDX
  • Acura RDX
  • Acura TLX
  • Acura RLX
  • Acura ILX

How much does it cost to insure an Acura?

Across all Acura models, the average annual premium for full coverage is about $1,769 — of course, premiums vary based on the specific model and by insurer. This average is about $8 more per month compared to the national average cost of full coverage of $1,674 based on a 2019 Toyota Camry.

The make and model of a car has a sizable impact on the average cost of car insurance you can expect to pay. Not only do insurance companies have different rates from each other, how rates are set based on a car’s make and model will vary as well.

Insurers consider several factors of vehicles in setting rates for each make and model. The Insurance Institute of Highway Safety (IIHS) gives very high marks for the MDX and RDX, the two best-selling Acura models — both SUVs.

The other Acura models, all sedans, also are generally in high standing with the IIHS. The IIHS rates Acuras highly for many safety features, such as their structure and safety cage. These high safety ratings may reduce the potential for a claim, meaning less chance for insurers to have to pay on a claim.

Another major factor insurers consider is the price of parts. Acura, as Honda’s luxury vehicle brand, generally has more expensive parts, which can make insurance premiums more expensive.

Car insurance for a Acura: by model

Knowing how insurance premiums vary based on model can help you make buying decisions, but remember that the rates for each person will vary based on their own unique circumstances and driving history.

The average annual cost for full coverage for an Acura MDX, the company’s flagship SUV, is $1,619, less than the national average for a 2019 Toyota Camry. Generally, SUVs are less expensive to insure because they are more likely to survive a collision, and the MDX has very high marks for safety.

At $1,472, the average annual cost to fully insure an Acura RDX is even less than an MDX — the RDX has high safety ratings like the MDX, but it is smaller and less expensive.

The Acura TLX, the company’s flagship luxury sedan, has an average cost of $1,685 for full coverage. While the model receives high safety marks from the IIHS, sedans are now often more expensive to insure than SUVs.

Before it was discontinued in 2020, the Acura RLX was the company’s flagship sedan. Based on national averages, it is currently the most expensive Acura to fully insure, at $2,450 annually.

Likely due to its less expensive price tag, the average annual cost to fully insure the subcompact Acura ILX is $1,621, less than the national average for all cars.

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

Insurers differ in how they determine the cost of coverage for each Acura model, but generally the Acura SUVs are less expensive to insure, based on rates from the 5 largest insurers in the country by market share. Current data shows that Erie Insurance offers the least expensive annual premium rates for all Acura models, but rates will be different for each driver based on their unique circumstances.

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

  • Advanced Compatibility Engineering body structure: Recent redesigns of the Acura models put a focus on making the body structure of each car safer for its occupants — in frontal collisions, force is distributed throughout the front of the vehicle. This structural integrity means insurers may be able to offer lower premiums because of the reduced risk of injury to the occupants of an Acura and increased survivability of the vehicles.
  • Crash Prevention Systems: Acura has installed a series of crash prevention systems on its vehicles including automatic emergency braking, lane-centering steering and pedestrian detection. For insurers, these features can be seen as reducing the risk of crashes in general, so premiums may be lower.
  • Blind Spot Assistance: All Acura models feature many safety cameras, including blind spot assistance that alerts drivers to potential hazards. This technology helps with crash mitigation and is a reason why insurers might charge lower insurance premiums.

Other car insurance coverage for a Acura

Insurers offer a variety of options between minimal coverage and full coverage. Minimum coverage is determined by your state’s liability requirements, whereas full coverage is often required by lenders, or may be voluntarily opted for to provide a greater degree of financial protection.

Insurance premiums generally pay for three different areas of coverage: liability coverage, collision coverage and comprehensive coverage. Comprehensive and collision are designed to protect against your own vehicle damage from covered losses, whereas liability primarily addresses injury or damage caused to others.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Acura of the following model types, commute five days a week and drive 12,000 miles annually:

  • Acura MDX
  • Acura RDX
  • Acura TLX
  • Acura RLX
  • Acura ILX

These are sample rates and should only be used for comparative purposes.

Written by
Barry Eitel
Contributing writer
Barry Eitel is a contributing writer for Bankrate. Barry writes about auto insurance.
Edited by
Insurance Editor