If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
The average cost of Acura car insurance is $2,823 a year or $235 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Acura is $2,823 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 vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Acura car insurance rates by insurance company.
Cost to insure a Acura, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,926 | $963 | $161 |
| GEICO | $2,343 | $1,171 | $195 |
| Nationwide | $2,349 | $1,174 | $196 |
| Progressive | $2,400 | $1,200 | $200 |
| State Farm | $2,487 | $1,243 | $207 |
| Farmers | $3,755 | $1,877 | $313 |
| Allstate | $3,915 | $1,957 | $326 |
| USAA | $2,054 | $1,027 | $171 |
Acura average insurance rates, by model
Acura RDX car insurance cost
The average car insurance premium for Acura RDX is $205 per month, which translates to $2,456 per year. The most affordable company for a Acura RDX is Travelers with a rate of $131 monthly or $1,568 per year.
Acura MDX car insurance cost
The average car insurance premium for Acura MDX is $227 per month, which translates to $2,728 per year. The most affordable company for a Acura MDX is Travelers with a rate of $154 monthly or $1,853 per year.
Acura Integra car insurance cost
The average car insurance premium for Acura Integra is $249 per month, which translates to $2,990 per year. The most affordable company for a Acura Integra is Travelers with a rate of $179 monthly or $2,151 per year.
Acura TLX car insurance cost
The average car insurance premium for Acura TLX is $262 per month, which translates to $3,142 per year. The most affordable company for a Acura TLX is Travelers with a rate of $191 monthly or $2,292 per year.
Acura Integra Type S car insurance cost
The average car insurance premium for Acura Integra Type S is $329 per month, which translates to $3,944 per year. The most affordable company for a Acura Integra Type S is Travelers with a rate of $180 monthly or $2,155 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.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Acura by 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 | $9,717 | $4,859 | $810 |
| 18 | Acura Integra Type S | $12,504 | $6,252 | $1,042 |
| 18 | Acura MDX | $8,887 | $4,443 | $741 |
| 18 | Acura RDX | $8,000 | $4,000 | $667 |
| 18 | Acura TLX | $10,255 | $5,127 | $855 |
Cost to insure a Acura, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Acura Integra | $2,990 | $1,495 | $249 |
| 40 | Acura Integra Type S | $3,944 | $1,972 | $329 |
| 40 | Acura MDX | $2,728 | $1,364 | $227 |
| 40 | Acura RDX | $2,456 | $1,228 | $205 |
| 40 | Acura TLX | $3,142 | $1,571 | $262 |
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Acura car insurance rates by state
Your location significantly impacts your Acura car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find 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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To find affordable Acura car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
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.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“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
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
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
One way to save money on your Acura insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to your policy.
“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 are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering 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 offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Acura model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Acura?
Your driving history is one of the many factors affecting your Acura car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Acura affect the insurance premium?
The color of your Acura does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Acura affect insurance costs?
Your Acura’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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