Acura Insurance Rates

The average cost of car insurance for a Acura model is about $1,646 per year.

This is $248 better than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Acura insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Acura insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Acura Model

Model Good Driver Recent Accident Poor Credit
Acura ILX Insurance Cost $1,694 $2,487 $2,910
Acura MDX Insurance Cost $1,625 $2,386 $2,792
Acura RDX Insurance Cost $1,486 $2,182 $2,552
Acura RLX Insurance Cost $1,738 $2,551 $2,985
Acura TLX Insurance Cost $1,685 $2,474 $2,894

The cost to insure an Acura model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on an Acura, then see our insurance analysis and rankings for other makes and models here.

Acura Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,573 $8,184 $9,574
18 $5,194 $7,626 $8,922
19 $4,590 $6,740 $7,885
20 $4,002 $5,877 $6,875
21 $3,356 $4,929 $5,766
22 $3,269 $4,800 $5,615
23 $2,860 $4,200 $4,913
24 $2,717 $3,990 $4,667
25 $2,345 $3,443 $4,028
30 $1,826 $2,682 $3,138
35 $1,711 $2,512 $2,939
40 $1,646 $2,416 $2,827
45 $1,601 $2,351 $2,750
55 $1,469 $2,156 $2,523
65 $1,532 $2,249 $2,631
75 $1,933 $2,839 $3,321

Acura auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Acura models by state.

Average Acura Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,743 $2,532 $3,223
Alaska $1,442 $1,999 $1,943
Arizona $1,630 $2,357 $3,472
Arkansas $1,787 $2,809 $3,092
California $1,990 $3,519 $1,990
Colorado $1,857 $2,599 $3,297
Connecticut $2,372 $3,680 $4,671
Delaware $1,964 $2,618 $3,362
Florida $2,339 $3,235 $4,216
Georgia $1,906 $2,851 $2,875
Hawaii $762 $1,034 $762
Idaho $1,323 $1,754 $2,132
Illinois $1,385 $2,094 $2,387
Indiana $1,423 $2,175 $2,441
Iowa $1,127 $1,546 $1,817
Kansas $1,499 $2,182 $2,552
Kentucky $2,167 $3,182 $3,757
Louisiana $2,782 $4,206 $4,561
Maine $1,052 $1,454 $2,147
Maryland $1,703 $2,478 $2,753
Massachusetts $1,366 $2,382 $1,366
Michigan $3,295 $5,021 $7,920
Minnesota $1,356 $1,809 $2,547
Mississippi $1,637 $2,335 $2,351
Missouri $1,543 $2,206 $2,898
Montana $1,569 $2,189 $2,548
Nebraska $1,326 $1,961 $2,130
Nevada $2,187 $3,244 $3,427
New Hampshire $1,522 $2,406 $3,041
New Jersey $1,676 $2,630 $3,441
New Mexico $1,712 $2,546 $2,643
New York $1,586 $1,996 $3,333
North Carolina $983 $1,689 $1,204
North Dakota $1,345 $2,044 $2,418
Ohio $1,199 $1,850 $1,897
Oklahoma $1,915 $2,742 $3,088
Oregon $1,743 $2,338 $2,793
Pennsylvania $1,468 $2,155 $2,522
Rhode Island $2,451 $3,595 $4,048
South Carolina $1,664 $2,307 $3,184
South Dakota $1,493 $2,152 $2,483
Tennessee $1,756 $2,585 $3,443
Texas $1,769 $2,555 $3,178
Utah $1,505 $2,108 $2,901
Vermont $1,158 $1,784 $1,885
Virginia $1,091 $1,675 $1,642
Washington $1,444 $1,960 $2,341
West Virginia $1,453 $2,081 $2,607
Wisconsin $1,449 $2,262 $2,579
Wyoming $1,352 $1,894 $2,016