Acura Insurance Rates

The average cost of car insurance for a Acura model is about $1,882 per year.

This is $185 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. 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

These Acura insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Acura Model

Model Good Driver Recent Accident Poor Credit
Acura ILX Insurance Cost $1,781 $2,653 $3,137
Acura MDX Insurance Cost $1,777 $2,647 $3,130
Acura RDX Insurance Cost $1,616 $2,407 $2,845
Acura RLX Insurance Cost $2,355 $3,508 $4,146
Acura TLX Insurance Cost $1,881 $2,802 $3,312

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 $6,375 $9,496 $11,225
18 $5,941 $8,850 $10,461
19 $5,250 $7,821 $9,245
20 $4,578 $6,819 $8,061
21 $3,840 $5,718 $6,760
22 $3,739 $5,569 $6,583
23 $3,272 $4,873 $5,761
24 $3,108 $4,630 $5,473
25 $2,682 $3,995 $4,723
30 $2,089 $3,112 $3,679
35 $1,957 $2,915 $3,446
40 $1,882 $2,803 $3,314
45 $1,832 $2,728 $3,225
55 $1,680 $2,502 $2,957
65 $1,752 $2,610 $3,085
75 $2,211 $3,294 $3,894

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 $1,994 $2,794 $3,496
Alaska $1,649 $2,403 $2,517
Arizona $1,865 $2,893 $4,125
Arkansas $2,044 $3,097 $3,465
California $2,276 $3,981 $2,276
Colorado $2,124 $2,941 $3,668
Connecticut $2,714 $4,196 $5,374
Delaware $2,247 $3,093 $4,107
Florida $2,675 $3,633 $4,737
Georgia $2,181 $3,361 $3,449
Hawaii $871 $1,202 $871
Idaho $1,514 $2,037 $2,536
Illinois $1,584 $2,342 $2,716
Indiana $1,628 $2,544 $2,968
Iowa $1,289 $1,934 $2,254
Kansas $1,715 $2,525 $2,991
Kentucky $2,479 $3,729 $4,386
Louisiana $3,183 $4,864 $5,237
Maine $1,204 $1,614 $2,356
Maryland $1,948 $2,856 $3,373
Massachusetts $1,562 $2,642 $1,562
Michigan $3,769 $5,667 $8,713
Minnesota $1,552 $2,084 $3,085
Mississippi $1,873 $2,829 $2,989
Missouri $1,765 $2,431 $3,144
Montana $1,794 $2,808 $3,097
Nebraska $1,517 $2,147 $2,443
Nevada $2,502 $3,776 $4,143
New Hampshire $1,740 $2,805 $3,572
New Jersey $1,917 $3,023 $3,900
New Mexico $1,958 $2,818 $3,164
New York $1,814 $2,362 $3,813
North Carolina $1,124 $1,815 $1,399
North Dakota $1,539 $2,369 $3,006
Ohio $1,372 $2,244 $2,324
Oklahoma $2,191 $3,289 $3,731
Oregon $1,994 $3,011 $3,454
Pennsylvania $1,679 $2,539 $2,914
Rhode Island $2,804 $4,302 $4,920
South Carolina $1,904 $2,755 $3,932
South Dakota $1,708 $2,350 $2,820
Tennessee $2,009 $3,005 $3,791
Texas $2,023 $2,978 $3,738
Utah $1,721 $2,489 $3,432
Vermont $1,325 $2,118 $2,316
Virginia $1,248 $1,879 $1,996
Washington $1,652 $2,482 $2,927
West Virginia $1,662 $2,421 $2,989
Wisconsin $1,657 $2,419 $2,938
Wyoming $1,547 $2,273 $2,542

Other Important Acura Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Acura models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for an Acura? We have millions of new and used vehicles listed. Here are some Acura models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.