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Acura car insurance - Introduction

Since 1986, Acura has been selling luxury cars in the U.S. It was the first Japanese luxury car brand to come to the U.S. market. Acura's MDX and RDX are popular SUVs, and the ILX, TLX, and RLX are popular cars. The average reliability score for 2022 Acura models is 4.0 out of 5, which puts the brand in second place among 32 other car brands. Does a more reliable car mean that Acura car insurance rates are cheaper? Let’s find out.

Key takeaways

  • Acura vehicles are made by Honda.
  • Acura represents luxury vehicle division and this impacts the auto insurance premium.
  • The average insurance cost of Acura is very similar to the national average of Toyota Camry model.

The history of Acura

1986 was a big year for cars. Honda, one of the world's largest car corporations, created a luxury-vehicle business. Acura was named after ten years of research. Since then, luxury cars have changed. First Japanese luxury automobile. Acura's original models, the Legend and the Integra, were sold and serviced in 60 dealerships in 18 US states throughout North America.

Cars that promised innovative technology, luxury, and eye-catching design were an Acura specialty. The Legend was the best-selling imported luxury car in 1988, while the Integra won the International Sedan Championship. JD Power & Associates voted Acura "Best Overall Car Line" in 1992. The Legend was the best-selling import for the sixth straight year the following year.

In 2000, Acura released many new models. The 3.2 TL competes with Lexus, Infiniti, and BMW. Acura has more standard luxury features than any other brand. It usually has features that others consider superfluous. The MDX Crossover won honors for changing the crossover SUV market from Car and Driver and Motor Trend.

Acura current market stats

Acura's sales are expected to reach $7.03 billion in 2022. A compound annual growth rate (CAGR) of -1.09 percent is expected for revenue from 2022 to 2026. This means that the market is expected to be worth US$6.73 billion by 2026.

By 2026, Acura's sales are expected to reach 168,300 units. The expected volume-weighted average price of an Acura in 2022 is US$40,05k. From an international point of view, it looks like the United States will make the most money ($5,470.00m in 2022).

How much does Acura car insurance cost?

The average annual premium for full coverage for all Acura models is about $1,780. Premiums vary, of course, depending on the type of car and the insurance company.

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Factors affecting the Acura car insurance premium

The make and model of a car have a big effect on how much car insurance costs on average. Insurance companies usually have different rates, and they may also weigh a car's make and model differently when figuring out premiums.

  • Safety features: When setting rates for each make and model of car, insurers look at a number of factors. The Insurance Institute for Highway Safety (IIHS) gives both the Acura MDX and the Acura RDX very high scores. These are two of the most popular luxury SUVs.
  • The IIHS also likes most of the other Acura models on our list, which are all sedans. The IIHS gives Acuras high marks for their structure and safety cage, among other things. These high safety ratings may make it less likely that you'll need to file a claim, which could lower the cost of your Acura car insurance premiums because you're less likely to be sued.
  • Price of parts: The price of parts is another important thing that insurers look at. As Honda's luxury car brand, Acura tends to have more expensive parts, which can lead to higher insurance rates.
  • Advanced Compatibility Engineering body structure: When the Acura models were recently redesigned, the focus was on making each car's body structure safer for its occupants.
    In frontal collisions, force is spread across the front of the vehicle, making it safer for everyone inside. Because of this, insurers may be able to offer lower rates on Acuras because the people inside are less likely to get hurt and the cars are more likely to survive accidents.
  • Crash Prevention Systems: Acura has put a number of crash-prevention systems in its cars, such as automatic emergency braking, steering that keeps the car in the middle of the lane, and sensors that can find pedestrians. For insurance companies, these features can be seen as lowering the risk of accidents in general, which could lead to lower premiums.
  • Blind Spot Assistance: All Acura models come with many safety cameras, including blind spot assist, which warns drivers of possible dangers in their blind spots. This technology helps reduce the chance of a crash, which is one reason why insurance companies might charge less for car insurance.
  • Vehicle Stability Assist: All Acura cars come with this feature, which helps when driving in the rain. If the car is understeering or oversteering and losing grip on the road, this feature lets the car make changes on its own to keep the driver's attention on the road.
  • Collision Mitigation Braking System: Your Acura has both cameras and radar sensors, so if it senses a possible accident, it can warn you and even stop itself if you don't do anything. This feature is now standard on sedans and SUVs made by Acura as well.

Acura car insurance: By model

Vehicle model Average annual premium
ILX $1,638
MDX $1,662
NSX $3,306
RDX $1,590
RL $1,290
RLX $2,286
TL $1,182
TLX $1,770
TSX $1,182
ZDX $1,350

Is Acura car insurance expensive?

Compared to other luxury brands, the average annual cost of car insurance for an Acura is $54 less than for a Lexus, $165 less than for an Infiniti, $341 less than for a BMW, and $354 less than for a Mercedes-Benz.

Acura car insurance cost vs. Popular automotive brands

Automotive brand Insurance cost Difference
Acura $1,780 --
Audi $2,095 $315
BMW $2,121 $341
Cadillac $1,673 -$107
Chevrolet $1,560 -$220
Dodge $2,029 $249
Ford $1,559 -$221
Genesis $1,849 $69
GMC $1,658 -$122
Honda $1,476 -$304
Hyundai $1,549 -$231
Infiniti $1,945 $165
Jaguar $1,981 $201
Jeep $1,693 -$87
Kia $1,533 -$247
Land Rover $1,893 $113
Lexus $1,834 $54
Lincoln $1,728 -$52
Mazda $1,421 -$359
Mercedes-Benz $2,134 $354
Mitsubishi $1,634 -$146
Nissan $1,630 -$150
Subaru $1,474 -$306
Tesla $1,984 $204
Toyota $1,562 -$218
Volkswagen $1,502 -$278
Volvo $1,676 -$104

Cheapest Acura vehicles to insure in 2022

Here are the cheapest Acura vehicles to insure in 2022:

  • Acura RDX – Average yearly rate around $1,305
  • Acura ILX – Average yearly rate around $1,406
  • Acura MDX – Average yearly rate around $1,578
  • Acura TLX – Average yearly rate around $1,612

Cheapest Acura car insurance companies

Car insurance company MDX RDX TLX RLX ILX
Amica $1,263 $1,099 $1,295 $1,883 $1,228
Erie $1,091 $1,050 $1,140 $1,523 $1,092
State Farm $1,343 $1,203 $1,355 $1,861 $1,285
USAA $1,343 $1,305 $1,305 $2,083 $1,193

Acura car insurance: By state

State Average annual premium
Alabama $1,913
Alaska $1,584
Arizona $1,791
Arkansas $1,957
California $2,179
Colorado $2,037
Connecticut $2,602
Delaware $2,156
Florida $2,560
Georgia $2,088
Hawaii $838
Idaho $1,454
Illinois $1,523
Indiana $1,558
Iowa $1,235
Kansas $1,646
Kentucky $2,378
Louisiana $3,052
Maine $1,152
Maryland $1,865
Massachusetts $1,499
Michigan $3,611
Minnesota $1,491
Mississippi $1,793
Missouri $1,690
Montana $1,721
Nebraska $1,457
Nevada $2,400
New Hampshire $1,666
New Jersey $1,836
New Mexico $1,878
New York $1,741
North Carolina $1,082
North Dakota $1,473
Ohio $1,314
Oklahoma $2,100
Oregon $1,913
Pennsylvania $1,613
Rhode Island $2,683
South Carolina $1,823
South Dakota $1,639
Tennessee $1,928
Texas $1,942
Utah $1,647
Vermont $1,269
Virginia $1,199
Washington $1,586
West Virginia $1,597
Wisconsin $1,586
Wyoming $1,482

Cost of insuring an Acura

Based on the year of the car

Year Average annual premium
2022 $2,921
2021 $3,613
2020 $3,188
2019 $3,158
2018 $3,813
2017 $3,486
2016 $3,144
2015 $3,348
2014 $3,328
2013 $3,041
2012 $2,809
2011 $2,566
2010 $2,906
2009 $3,005
2008 $2,714
2007 $2,944
2006 $2,364
2005 $2,514
2004 $2,516
2003 $2,298
2002 $2,399
2001 $2,951
2000 $2,734

Based on minimum coverage and full coverage

  ●  Minimum Coverage

Coverage type Protection offered
Bodily injury liability (per person and accident) Pays for the damage you inflicted on other people because of your actions.
Property damage liability (per accident) Covers the costs of damage to other people's vehicles or property that you cause.

  ●  Full Coverage

Coverage type Protection offered
Collision coverage Covers the costs associated with collisions with another vehicle or object
Comprehensive coverage Covers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.

Other car insurance coverages for Acura

Most states require drivers to have at least a certain amount of bodily injury and property damage liability insurance, which pays for damage caused in accidents where the driver is at fault. All auto insurance companies must offer the minimum coverage required by your state, but you may want to buy higher liability limits to protect your money.

Car insurance has a lot more coverage options than just different liability limits. Full coverage car insurance doesn't have a set definition, but it usually includes both collision coverage and comprehensive coverage to protect your car.

You can also add medical payments coverage to pay for your medical bills and those of anyone else in your car up to the coverage limit. From there, many car insurance companies give you more ways to customize your policy, which can be a great way to make sure your insurance fits your needs and lifestyle.

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What impacts on your insurance costs for Acura

The model of Acura you drive

Most models come in different trim levels, which are different versions of the same model with different features. Insurance premiums can be higher for a higher trim level.

The RDX, for example, comes in three different packages: Technology, A-Spec, and Advance. Each package adds a few thousand dollars to the price of the car by adding features and upgrades that are worth that much. Because of this, your insurance rates will go up.

Your insurance company

Since each insurance company has its own way of figuring out premiums, the cost of the same coverage can vary greatly depending on which company you choose. When it comes to insurance, keep in mind that cheaper isn't always better.

Saving a few dollars a month by giving up the coverage you need could put you in a tough financial situation if you get into an accident. It's a good idea to compare quotes from different insurance companies to find the best plan and price.

Your age

One of the most important things insurers look at when figuring out your insurance rates is how old you are. In general, young drivers pay a lot more for insurance than older drivers. Insurance companies often think that younger drivers with less driving experience are high-risk drivers, so they charge higher premiums based on how likely it is that a claim will be made.

Your driving record

Insurance companies also take traffic violations into account when figuring out costs. If you have a minor speeding ticket or a failure to stop on your record, your insurance costs may go up by a small amount.

The worst offences, like driving under the influence or driving recklessly, have a much bigger effect on your rates and can stay on your record for years. Your rates are likely to go down, though, if you change the way you drive and keep a clean record in the future.

Where you live

Your location is something else to think about. If you move from a small town or rural area to a big city, for example, your insurance rates might go up. All that matters is how much risk your insurance company is willing to take in order to cover your car. If your city has a lot of car thefts or accidents, you can expect to pay more for your insurance.

Also, if your area is prone to severe weather like tornadoes or hurricanes, your insurance rates will almost certainly go up because you are more likely to file claims for property damage caused by the weather. Our research shows that a lot of people in Philadelphia (PA), Atlanta (GA), Houston (TX), Charlotte (NC), and Jacksonville (FL) drive Acuras (FL).

Let’s talk about the big player – Acura MDX

How much your Acura MDX insurance costs depends a lot on which insurance company you choose. This model of car costs an average of $1,662 per year to insure, but this can change depending on the insurance company.

How much does it cost to insure an Acura MDX and the cheapest company

Car insurance company Average annual premium
Progressive $1,138
USAA $1,187
Nationwide $1,244
State Farm $1,251

Is an Acura MDX expensive to insure?

Based on average rates, it is cheap to insure an Acura MDX. The Acura MDX has a low value, which means that it doesn't cost as much to fix. Also, Acura MDX doesn't have a lot of horsepower. Most of the time, cars with less power are less likely to get into big accidents. Because of this, insurance companies usually charge less for coverage.

How much does it cost to insure an Acura MDX by model year

Company Average annual premium (2020 model) Average annual premium (2019 model) Average annual premium (2018 model)
Progressive $1,143 $1,141 $1,131
USAA $1,271 $1,282 $1,326
Nationwide $1,236 $1,251 $1,291
State Farm $1,349 $1,345 $1,320

How Much It Costs to Insure an Acura MDX for 16- to 25-Year-Olds

Age Average annual premium
16 $5,355
17 $4,745
18 $4,180
19 $2,990
20 $2,670
21 $2,117
22 $1,951
23 $1,787
24 $1,672
25 $1,518
40 $1,284

How to get Acura Insurance with Way.com

Your insurance premiums will be based on a variety of factors, including the type of Acura you drive and any additional information specific to your situation.

In order to get the best insurance rates, Way.com can help. In just 45 seconds, Way.com can locate quotes from more than 100 renowned insurance providers, guaranteeing that you always obtain the best value for your insurance needs.

Regardless of where you live, your demographics, or the Acura model you drive, Way.com can help you find the best auto insurance rates. Using Way.com, you may choose a better insurance policy that is customized to your registered broker and auto super app needs in the most straightforward way possible.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

What is the average Acura MDX insurance rate?

On average, it costs $1,662 per year to insure an Acura MDX. But your rates may be different depending on where you live, how old you are, and what year your car was made.

What is the best company overall for Acura MDX insurance?

USAA was selected as the best insurance company for Acura MDX drivers.

What is the cheapest insurance company for Acura MDX insurance?

Progressive offers the cheapest insurance rates for drivers who own an Acura MDX.

Why is Acura insurance so expensive?

Because Acura is a high-end Honda brand, it features more expensive parts, which might raise the cost of insurance policies.

Is Acura expensive to insure?

Acura owners pay an average of around $1,780 per year. The make and model of the car you drive is one of the most important elements in deciding your insurance premiums.

How much does it cost to insure an Acura TL?

The average Acura TL car insurance rate is $1,182 a year.

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