Acura Auto Insurance Rates – What Each Model Costs

Have you ever wondered what the history is behind Acura? There are so many details that go into why a person chooses a particular model, but how much you know about your dream vehicle may actually help you save money on your car insurance as well. Car insurance rates vary depending on the make and model of your vehicle, and the Acura is no exception.

UPDATED: Jan 25, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jan 25, 2022

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Hours of research inevitably goes into finding the perfect make, model, and dealership when making a decision on buying or leasing your new car. Unfortunately, the research doesn’t end once you’ve signed the papers for your dream car.

Even as you are driving off the lot, the countdown to find the right insurance that is ideal for your particular car and meets your financial needs has already begun.

The grace period most insurance companies give you to get a new plan is four days or less.

We all have busy schedules so we value technology that can help us find the answers we need now.

Which is why we have decided to do most of the legwork for you. What do you need to know about Acura, from safety to insurance obligations?

There is so much research that goes into finding a policy all on its own. You need to make sure the company you’re looking into has decent customer service and efficient response times when it comes to claims.

You also need to make sure that your insurance cost is going to fit within your budget. This is where researching what goes into your insurance policy will really come in handy. You’ll need to know what your deductible will be, and what type of coverage policy will suit your needs.

If you need help comparing companies, try our online, free tool.

A Brief History of Acura

Acura’s beginnings are wrapped in secrecy. In fact, the entire company was born from secret night meetings between dedicated Japanese Honda engineers who exuded entrepreneurial spirit.

And they did.

This group of engineers went on to create a luxury and high-performance marque of Honda in 1986. And, in just under a year they set up dealerships and successfully launched two luxury classics, the Integra and the Legend.

Acura continues to stand out for their balanced blend of upscale sportiness and competitive pricing. Successful car markers only reach this level of recognition when a customer, or third-party, attests to the vehicle’s reliability, performance, and safety. And, each model of Acura comes with a different safety rating every year.

While many of us believe that our driving record and age are the sole influencers when it comes to insurance rate, that’s not exactly true. The make and model of your car, and how safe it is, plays a crucial role in setting insurance rates.

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How much does it cost to insure Acura vehicles?

While you may or may not live in Oregon, we found that studies have shown their insurance rates are slightly lower than the national average. Therefore, we have chosen to calculate the price of insurance for each model of vehicle for an Oregon driver.

The calculation used the following criteria:

  • Latest model
  • 9,001 – 10,000 miles driven yearly
  • Basic coverage
  • No accidents in the past 5 years
  • Driver located in Portland, Oregon
  • Excellent credit

Here is how it breaks down, by model:


The average insurance costs for an MDX is $132.11 a month, or $1585.32 a year.


The average insurance costs for a TSX is $149.00 a month, or $1,788.00 a year.


The average insurance costs for an RDX is $134.15 a month, or $1,609.80 a year.


The average insurance costs for a ZDX is $157.00 a month, or $1,884.00 a year.


The average insurance costs for a TL is $188.00 a month, or $2,256.00 a year.

How can you save money on car insurance?

There is an algorithm that determines insurance rates, which is why to get the best rate possible, you need to optimize your hunt for your personal information. Like age, location and driving infractions that could increase your rates.

  • Where your permanent residence is: Where you are on the map matters. For instance, last year Michigan was considered the most expensive state for auto insurance, and Ohio was the least expensive. Your rate could be impacted if you use your car for a basic commute in the suburbs versus a long commute through rush hour big-city traffic.
  • Driving record: Traffic infractions can add points to your driving records, which in some states can impact your insurance rates. If you do have violations, try to take advantage of any court options to erase these offenses from your record, such as traffic schools and community service. A ticket can be cleared from your record in as little as two years, but sometimes can stick as long as five years, which is a long time to pay higher premiums.
  • Credit score: Not yet a clear standard for all insurance providers, using credit history to set insurance rates is being considered across the country.  Algorithms with predictive analytics are starting to show that people with higher credit scores tend to experience fewer accidents. So, by taking steps to improve your credit score, you could also be saving money on your auto insurance.
  • Vehicle Value: While vehicle safety is high on the list of important factors, so is the value of the vehicle. Your insurance has to cover the value of your vehicle, so if the parts for your brand-new Maserati are more than your used Honda Civic, your insurance will cost more.

Who are the safety experts?

There are two excellent sources online that can give you a glimpse into how safe each vehicle is:

  • Insurance Institute for Highway Safety: Originally created in 1959 for insurance company interests, the organization is now an independent, nonprofit that uses scientific research and education to reduce deaths, injuries and property damage due to motor vehicle crashes. With an easy to use “ratings” tool, their website offers access to a robust database for evaluating vehicles under two essential safety scales: crashworthiness (how well occupants are protected in a crash) and crash avoidance and mitigation (how well the vehicle can prevent an accident or lessen its severity). Across the board, Vehicles are given one of four grades: Poor, Marginal, Acceptable or Good.
  • National Highway Traffic Safety Administration: If your choice is between two or three makes and models, the NHTSA may be the best resource for you. Their mission statement is “Through enforcing vehicle performance standards and partnerships with state and local governments, NHTSA reduces deaths, injuries and economic losses from motor vehicle crashes.” Going one step farther than the Insurance Institute for Highway Safety, their interactive “ratings” tool online allows for “vehicle comparison”, which comes in handy when you need to narrow down your options.

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Acura Safety By Model


The MDX is considered a Midsize luxury SUV and has high rankings in safety across all categories of crashworthiness, as well as superior ranking for crash prevention earning it the Insurance Institute for Highway Safety Top Safety Pick+ for the past four years.

This SUV also ranks well for child seat accessibility. Though headlights rank as acceptable in safety, there may be some limitations to the vehicle’s low beams on straightaways and on gradual left turns. While this may not be a deal breaker, if you find yourself driving in the dark often you may want to read this detailed explanation of the ranking.

Historically, this vehicle has performed exceptionally well over the years. Earning the Insurance Institute for Highway Safety Top Safety Pick from 2012-2013.

Important note: There is a recall on the 2018 model of this vehicle. So, if you currently own an Acura MDX, look to see if your VIN is eligible. Use NHTSA’s search tool if you think your vehicle is at risk.


This midsize 4-door luxury sedan ranks well for safety in the “crashworthiness” categories, though all 2009-2014 models do not score high for protection on the driver’s side when faced with dramatic head-on collisions.

Pre-2008 models have scored poorly for their protection for head restraints and seats, but newer models made over the past decade have received high ratings in both side crash protection and interior safety. There have been no recalls on the most recent 2014 model of TSX but if you own a 2011 model look to see if your VIN is eligible on the NHTSA site.


Another Insurance Institute for Highway Top Safety Pick, this 2018 midsize SUV ranks high in all categories for “crashworthiness” and has a Superior rating in crash prevention. Paired with acceptable safety rating for both child seat accessibility and headlights.

Dating back to 2013 models, this car has a high and reliable safety rating across the board. Earning the Top Safety Pick+ for both 2017 and 2016 models. No recalls have been flagged for the 2018 model, though there have been for the 2011 makes. Look to see if your VIN is eligible on the NHTSA site.


The latest model of the ZDX is a 2013 model. This 4-door midsize luxury SUV has had a fairly short lifespan as a car, the first model only dating back to 2010. The Insurance Institute for Highway Safety has very little information on the full safety rating for this vehicle, with only a few highly rated categories available and a basic level safety ranking in crash prevention.  The NHTSA has awarded this model a 5-star safety rating, and older models have still held their value. In fact, a used 2013 ZDX can be sold for nearly $25,000, proving the quality and reliability of ZDX is top-notch.

Still, some features of the ZDX have made a recall list, so look to see if your VIN is eligible on the NHTSA site.


Considered a midsize luxury sedan, the latest make, a 2014 TL model has high safety rankings during a crash with either front, side, or rollover impacts—receiving the Insurance Institute for Highway Safety Top Safety Pick. Though, according to NHTSA, the TL 2014 and models preceding it only receive a 4-star safety rating and also have recalls on the 2014 make. This model has been listed for recall, best to check with the NHTSA site to see if your VIN is eligible.

What else do you need to know about Acura? 

Making the choice that is best for you requires putting in the time unless you let us do the work.

Easily compare price estimates from a variety of insurance companies or compare how different makes, models and years of your vehicle change your insurance premium.

Additionally, you can easily see which carriers offer discounts for bundling your auto insurance with other forms of insurance, like:

  • Homeowners
  • Renters
  • Life insurance

All of which are important to consider.

You may also consider programs like Progressive’s Snapshot for additional insurance saving opportunities. Progressive’s Snapshot places a device on the computer in your car that captures information about your driving habits, from how often you drive and your speed, to the time of day you drive. This data provides a clearer picture of you as a driver to your insurance provider. The safer you are, the less your insurance rates will be.

Working with an online system like us gives you access to a wide-variety of coverage options, without bias. To put it simply, they aren’t trying to sell you on any one company’s plan, but rather helping you to identify the plan that is best for you. Buying auto insurance shouldn’t have to be exhausting or difficult, and with some help, it can go quite smoothly.

You can find better average rates by comparison shopping. We offer a free comparison tool that will let you compare quotes from different companies, ensuring you find affordable insurance that best suits your car and your budget.

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