Acura Car Insurance Rates

The average Acura car insurance rates across all models are $166/mo. But different models, like the Acura TLX or Acura RDX, can affect your Acura insurance quotes. Use our free quote comparison tool below to get find the best Acura car insurance deals for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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Here's what you need to know...

  • The Honda Motor Company makes Acura vehicles.
  • Acura vehicles can have high insurance rates because they represent a luxury vehicle division.
  • Do your research to know how rates are determined for various Acura vehicles.
  • Compare several companies before choosing an insurance provider for your Acura vehicle.
  • The average Acura car insurance rates are $166/mo or $1,992/yr across all models.

Some Acura vehicles have higher capacity engines with rapid acceleration. The Acura is used as a performance vehicle and participates in racing contests because of the model’s rapid acceleration and bigger engines.

Shopping for this brand of vehicle is an excellent example of why you should compare Acura insurance from different companies. Additionally, Acura lease car insurance requirements may differ, requiring comprehensive car insurance. Acura insurance rates are up to $962 more per year than the national average, but you can save money through vehicle and policy discounts.

Continue reading to learn how you can save money on Acura car insurance rates.

If you’re ready to start comparing Acura car insurance with different companies in your local area, use our FREE comparison tool above by entering your ZIP code and get started today!

Comparing Acura Car Insurance Rates by Vehicle

Before we get into car insurance rates, watch this short video on Acura TLX’s specifications.

Are Acuras expensive to insure? It depends on the company, and the make and model year. Acura insurance costs can vary, but we can provide some average annual rates for you. Here are the average Acura insurance costs for the Acura ILX, TLX, TL, MDX, RDX, and TSX.

Acura Car Insurance Rates
Acura Make and Model YearAnnual Comprehensive RatesAnnual Collision RatesAnnual Liability RatesAnnual Combined Rates
2020 Acura ILX Insurance Rates$348$594$372$1,472
2020 Acura TLX Insurance Rates$362$718$372$1,610
2014 Acura TL Insurance Rates$260$500$452$1,370
2020 Acura MDX Insurance Rates$376$562$372$1,468
2020 Acura RDX Insurance Rates$308$532$316$1,292
2014 Acura TSX Insurance Rates$270$500$384$1,290
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The 2020 Acura TLX has the most expensive car insurance, while the 2014 Acura TSX has the cheapest.

When purchasing a car, call your car insurance carrier and ask about the vehicle you’re planning to buy. They will likely have different Acura insurance rates for different models! So, for example, determining how much car insurance costs for an Acura TL could be significantly different than Acura TSX car insurance costs.

According to the National Association of Insurance Commissioners (NAIC), the national average for full coverage car insurance is $1,030 per year.

Acura car insurance costs are more expensive, but you can save money if Acura has safety features and anti-theft features. Car insurance companies will give you a discount for safety features on your vehicle, making more affordable Acura car insurance.

Also, car insurance may give you a discount on good credit. According to the Federal Trade Commission (FTC), car insurance companies will lower your rate because of good credit. Individuals with excellent or good credit are less likely to file a claim.

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How Acura Auto Insurance Rates are Determined

Before discussing insurance costs, it may help to understand how insurance companies set their rates.

Rates vary from company to company, depending upon the viewpoint of that company’s actuaries (accountants) toward the possibilities of financial loss.

Each Acura car insurance company has their own particular viewpoint about these depending upon financial decisions made by their corporation executives.

The formula for insurance ratings is filed with the particular insurance commissioner in the state in which they are writing insurance policies.

This protects you as the consumer because the insurance commissioner then analyzes the bottom lines and financial capabilities of the company to ensure that it is financially secure.

How These Rates Affect You as the Consumer

There are several types of insurance involved in an automobile insurance policy.

  • Liability insurance – your responsibility to other people if you cause an accident. This insurance is required by law in all states.
  • Property damage insurance – covers damage to your property.
  • Uninsured/underinsured motorists coverage – if an uninsured person should cause an accident and injury to you or your passengers.
  • Towing and emergency service – an option in most insurance policies to help you out if your car breaks down.

Liability insurance premiums are based primarily upon you and the possibilities of having an accident that may injure someone else.

Property damage coverage premiums, however, are based upon the cost of repair for your particular automobile. Some repairs require the acquisition of relatively rare parts, costing more to obtain.

Start comparing car insurance quotes right now with our FREE comparison tool! Enter your ZIP code to begin!

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Why compare car insurance premiums?

Once you have added the premiums for one of the above vehicles, you find that the total of the insurance premiums reaches from $1,071.60 to $1,839.60 annually.

Most people carefully compare prices on such mundane things as dish soap, refrigerators, clothing, or copy paper. However, very few individuals cheerfully pay a large car insurance bill without similar consideration.

Comparison of insurance premiums is as much of a wise budgeting choice as comparing prices of other items.

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What to Have Ready When Applying for Acura Car Insurance Quotes

Below are the items you should have on hand when applying for a car insurance quote:

  • Driver’s full name(s), date of birth, and license number
  • Any moving violations sorted according to driver
  • Vehicle description (year, make, model and VIN if available)
  • Limits of coverage that you desire – liability, property damage deductible (the amount you can pay if your car is damaged), uninsured motorists coverage, as well as towing and emergency repair

If necessary, inform the service representatives that you are shopping for insurance costs on various vehicles as you search for another car. Then You will not have to explain why you are requesting quotes for so many different cars.

The car insurance industry has a pool of information on each insured individual that is shared among the companies. Often as you seek a quote to buy Acura car insurance, you will find that the quotation website is already familiar with the vehicles you currently own as well as drivers in your household.

The sharing of this information is meant to speed up the time it takes to obtain a quote and make it easier for you. The information is tied to your name, date of birth, and ZIP code.

Comparing Quotes for Acura Car Insurance the Smart Way

Regardless of what vehicle you drive, it’s always a wise decision to compare several auto insurance quotes before choosing one. The simplest way to do this is by using a comparison website.

Our FREE car insurance comparison tool located below will get you started. Just enter your ZIP code and begin the process!

Acura Car Insurance FAQs

For the final section of the guide, let’s answer some frequently asked questions that appear on search engines across the internet. Get more great Acura articles like this one by visiting our main page and searching for Acura vehicle reviews.

#1 – Is Acura expensive to insure?

It depends on the Acura you want to insure. For example, the 2019 Acura RDX car insurance cost is $1,274/year. The 2010 Acura TL car insurance costs $1,202/year, while the 2016 Acura TLX insurance rates cost $1,538/year. These Acura insurance rates will vary based on the agency.

#2 – How much is insurance on an Acura TL?

Acura TL insurance costs $1,370/year or $114/month.

#3 – Who has the cheapest car insurance?

USAA, Geico, and State Farm carry the cheapest car insurance in the nation.

#4 – How much does it cost to insure an Acura MDX?

Acura MDX car insurance costs $1,468/year or $122/month.

#5 – How long do Acura transmissions last?

It depends on how to use the vehicle. Some transmissions go out after 10,000 miles, while others last for over 200,000. Regularly maintain your vehicle to extend the life of your Acura transmission.

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