When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, Acura car insurance costs an average of $2,428 a year or $202 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Acura model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Acura is $2,428 per year.
- The RDX is the cheapest Acura model to insure.
- Advanced safety features that come standard on Acura models help lower your insurance costs.
Average cost of car insurance for a Acura, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Acura car insurance rates from various insurance companies.
Cost to insure a Acura, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,878 | $939 | $156 |
| Geico | $1,910 | $955 | $159 |
| State Farm | $2,000 | $1,000 | $167 |
| Progressive | $2,193 | $1,096 | $183 |
| Farmers | $2,922 | $1,461 | $243 |
| Allstate | $3,707 | $1,854 | $309 |
Acura average insurance rates, by model
Acura RDX car insurance cost
The average car insurance premium for Acura RDX is $180 per month, which translates to $2,159 per year. The most affordable company for a Acura RDX is Nationwide with a rate of $115 monthly or $1,383 per year.
Acura MDX car insurance cost
The average monthly car insurance premium for a Acura MDX is $198 or $2,376 annually. Nationwide is the most affordable company for a Acura MDX owner, offering insurance at a monthly rate of just $135 or $1,618 per year.
Acura Integra car insurance cost
The average car insurance premium for Acura Integra is $216 per month, which translates to $2,598 per year. The most affordable company for a Acura Integra is Progressive with a rate of $171 monthly or $2,047 per year.
Acura TLX car insurance cost
Car insurance costs an average of $222 per month, which adds up to $2,668 a year for a Acura TLX. Among the companies analyzed, Nationwide stands out as the most affordable option, at an average annual cost of $1,911 or $159 per month.
Acura Integra Type S car insurance cost
The average car insurance premium for Acura Integra Type S is $268 per month, which translates to $3,210 per year. The most affordable company for a Acura Integra Type S is Progressive with a rate of $171 monthly or $2,055 per year.
Insurance rates by car model
The average cost of car insurance for a Acura, by driver age
Your age is an important rating factor in determining your Acura car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Acura based on the driver’s age.
Cost to insure a Acura, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Acura Integra | $9,645 | $4,822 | $804 |
| 18 | Acura Integra Type S | $11,560 | $5,780 | $963 |
| 18 | Acura MDX | $8,914 | $4,457 | $743 |
| 18 | Acura RDX | $8,151 | $4,076 | $679 |
| 18 | Acura TLX | $10,214 | $5,107 | $851 |
Cost to insure a Acura, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Acura Integra | $2,598 | $1,299 | $216 |
| 40 | Acura Integra Type S | $3,210 | $1,605 | $268 |
| 40 | Acura MDX | $2,376 | $1,188 | $198 |
| 40 | Acura RDX | $2,159 | $1,080 | $180 |
| 40 | Acura TLX | $2,668 | $1,334 | $222 |
Acura car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Acura car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Acura car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,231 | $1,116 | $186 |
| Alabama | $2,229 | $1,114 | $186 |
| Arkansas | $2,629 | $1,314 | $219 |
| Arizona | $2,246 | $1,123 | $187 |
| California | $2,969 | $1,485 | $247 |
| Colorado | $3,032 | $1,516 | $253 |
| Connecticut | $2,591 | $1,295 | $216 |
| Washington, D.C. | $3,029 | $1,515 | $252 |
| Delaware | $2,572 | $1,286 | $214 |
| Florida | $3,066 | $1,533 | $255 |
| Georgia | $2,843 | $1,422 | $237 |
| Hawaii | $1,497 | $748 | $125 |
| Iowa | $2,063 | $1,032 | $172 |
| Idaho | $1,568 | $784 | $131 |
| Illinois | $2,255 | $1,127 | $188 |
| Indiana | $2,134 | $1,067 | $178 |
| Kansas | $2,678 | $1,339 | $223 |
| Kentucky | $3,220 | $1,610 | $268 |
| Louisiana | $3,979 | $1,989 | $332 |
| Massachusetts | $2,271 | $1,135 | $189 |
| Maryland | $2,332 | $1,166 | $194 |
| Maine | $1,721 | $860 | $143 |
| Michigan | $2,950 | $1,475 | $246 |
| Minnesota | $2,563 | $1,282 | $214 |
| Missouri | $2,737 | $1,369 | $228 |
| Mississippi | $2,752 | $1,376 | $229 |
| Montana | $2,669 | $1,335 | $222 |
| North Carolina | $1,888 | $944 | $157 |
| North Dakota | $2,155 | $1,078 | $180 |
| Nebraska | $2,449 | $1,224 | $204 |
| New Hampshire | $1,901 | $951 | $158 |
| New Jersey | $2,345 | $1,173 | $195 |
| New Mexico | $2,468 | $1,234 | $206 |
| Nevada | $2,368 | $1,184 | $197 |
| New York | $1,901 | $950 | $158 |
| Ohio | $1,783 | $891 | $149 |
| Oklahoma | $2,534 | $1,267 | $211 |
| Oregon | $2,282 | $1,141 | $190 |
| Pennsylvania | $2,655 | $1,328 | $221 |
| Rhode Island | $2,922 | $1,461 | $243 |
| South Carolina | $2,160 | $1,080 | $180 |
| South Dakota | $2,770 | $1,385 | $231 |
| Tennessee | $2,645 | $1,322 | $220 |
| Texas | $3,415 | $1,708 | $285 |
| Utah | $1,901 | $950 | $158 |
| Virginia | $1,779 | $890 | $148 |
| Vermont | $1,844 | $922 | $154 |
| Washington | $1,905 | $953 | $159 |
| Wisconsin | $1,901 | $951 | $158 |
| West Virginia | $2,278 | $1,139 | $190 |
| Wyoming | $2,951 | $1,476 | $246 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Acura car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Acura models to insure
Smaller, budget-friendly Acura models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Acura models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Acura
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Acura discounts on car insurance
You can take advantage of all the available discounts to lower your Acura car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious about Acura insurance premiums? The insurance rates vary based on the specific model you choose. Since Acura manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Acura
Acura, a luxury vehicle division of Japanese automaker Honda, has been delivering premium performance vehicles since its establishment in 1986. Its vehicles, ranging from sedans to SUVs, embody luxury, reliability and performance. Acura’s founding marked a milestone in the automotive world as it was Japan’s first luxury car brand.
Final thoughts on Acura insurance costs
Acura makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Acura?
Yes, your driving record has a significant impact on your Acura’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Acura affect the insurance premium?
No, the color of your Acura does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Acura affect insurance costs?
The age of your Acura can influence your insurance costs. Older Acura models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed June 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed June 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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