Cheap Acura Auto Insurance in 2025 (Find Savings With These 10 Companies!)

The top choices for cheap Acura auto insurance are Erie, Geico, and AAA.

The best auto insurance for luxury cars doesn’t have to be expensive if you shop at the cheapest Acura companies.

Our Top 10 Company Picks: Cheap Acura Auto Insurance

Explore your options for affordable Acura car insurance below. Then, compare quotes with as many companies as possible to ensure you get a cheap auto insurance policy that matches the quality of your Acura.

#1 – Erie: Top Overall Pick

Pros

• Youth Discounts: Erie has multiple youth discounts, such as a good student discount.
• Customer Service: Our Erie review covers Erie’s great customer service ratings.
• Bundling Discount: Acura owners looking for more than one type of insurance at Erie can get a bundling discount.

Cons

• State Availability: Acura owners may not have Erie in their state.
• Limited Online Tools: Erie has fewer online functions than other companies.

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#2 – Geico: Best for Online Convenience

Pros

• Online Convenience: Acura owners will like the convenience of Geico’s online services.
• Discount Range: Drivers should be able to qualify for at least a few of Geico’s many discounts.
• Coverage Options: Check out our Geico review to learn about its coverage options, like roadside assistance.

Cons

• Good Driver Program Availability: Geico’s good driver program and discount may not be in some customers’ states.
• In-Person Services: Geico primarily conducts business online rather than through local agents.

#3 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: Acura owners can rest easy knowing that if their car breaks down, AAA’s roadside assistance is highly rated.
• Travel Discounts: You can save on traveling expenses with your AAA membership.
• Loyalty Discounts: A loyalty discount is just one of many discounts AAA offers. Learn more in our AAA review.

Cons

• Membership Fees: AAA requires an annual fee.
• Coverage Availability: Some coverages may not be available in every state.

#4 – State Farm: Best for Customer Service

Pros

• Customer Service: Customers have mostly positive ratings for State Farm’s customer service.
• Bundle Discounts: Bundling discounts are among the many ways Acura drivers can save. Read more in our State Farm review.
• Roadside Assistance: Adding this coverage to your policy will provide you with 24/7 roadside assistance from State Farm.

Cons

• Fewer Online Functions: You can’t purchase a policy online.
• Rates for Bad Driving Records: Acura owners should only shop at State Farm if their driving records don’t have multiple accidents or other issues.

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#5 – Progressive: Best for Tight Budgets

Pros

• Tight Budgets: Progressive offers a free tool to help drivers calculate coverage options on a tight budget.
• Safety Feature Discounts: Acuras with safety features may get cheaper rates with safety feature discounts.
• Coverage Options: Choose from several options for your Acura. Find out more in our Progressive review.

Cons

• Customer Service Virtual: There is a lack of local agents from Progressive.
• Discount Program Increases: Drive poorly in Progressive’s UBI program, and you may see increased rates.

#6 – Nationwide: Best for Usage-Based Coverage

Pros

• Usage-Based Coverage: Nationwide’s SmartMiles charges drivers by the mile, which you can learn about in our Nationwide SmartMiles review.
• Claim-Free Rewards: Staying claims-free will result in lower rates and reduced deductibles.
• Bundling Discount: Nationwide offers discounts for bundling, as well as several other saving opportunities.

Cons

• Claim Processing Time: Claims may take a little longer to process, according to some customers.
• Availability: Three states don’t carry Nationwide insurance.

#7 – American Family: Best for Costco Members

Pros

• Costco Members: Costco sells cheap American Family insurance to Costco members.
• Loyalty Discounts: Learn what other discounts American Family offers besides loyalty discounts in our American Family review.
• Roadside Assitance Coverage: Get assistance from American Family if your Acura breaks down.

Cons

• Insurance Availability: Insurance from American Family is not available nationwide.
• High-Risk Demographic Rates: Acura drivers with a DUI will find rates expensive at American Family.

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#8 – Farmers: Best for Safe-Driving Discounts

Pros

• Safe Driving Discounts: Farmers offers safe driving discounts, one of its many saving options. Learn more in our Farmers review.
• Educational Resources: Acura owners can read up on coverages and safe driving tips with Farmers’ educational resources.
• Coverage Choices: Fully protect your Acura in a number of situations with Farmers’ coverages.

Cons

• High-Risk Demographic Rates: Acura drivers with DUIs or accidents may find rates expensive.
• Claim Reviews: Some customers report issues with processing and tracking claim statuses.

#9 – Allstate: Best for Infrequent Drivers

 

Pros

• Infrequent Drivers: Allstate has pay-per-mile insurance, which some Acura owners may benefit from if they only drive occasionally.
• Safe-Driver Discounts: Acura owners can save with Allstate through its UBI program.
• Roadside Assistance: Get help getting back on the road with this coverage. Learn about Allstate’s other coverage options in our Allstate review.

Cons

• Complaint Ratio: The ratio of customer complaints is higher than average.
• Young Driver Rates: Allstate is one of the more expensive companies for teens purchasing their own policy.

#10 – Liberty Mutual: Best for Add-On Coverages

Pros

• Add-On Coverages: You can easily add coverages to your Acura insurance policy at Nationwide. Check out our Nationwide review for coverage options.
• Online Tools: Nationwide offers an app for policy management and claim filing.
• Safety Feature Discounts: Acuras with safety features may get a discount at Nationwide.

Cons

• Customer Service: Nationwide’s customer reviews are a mix of negative and positive.
• Availability of Discounts: Acura owners may not have some discount options available in their area.

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Acura Auto Insurance Coverage Options

There are several options when looking for the best insurance for Acura vehicles. While many drivers choose to buy their state’s minimum insurance requirements, Acuras usually need a little more coverage. Full coverage policies give you the best coverage but also drive up your Acura auto insurance quotes.

Acura Auto Insurance Monthly Rates by Coverage Level & Provider

While you’ll need full coverage if you have a car loan or lease, you can purchase more insurance if you want to customize your Acura car insurance policy further.

Since Acuras are such high-quality cars, they often benefit from extra coverage. However, you should buy the basics first, including:

• Liability Coverage: Liability auto insurance pays for damage and injuries you cause to other drivers, their passengers, and other bystanders. It doesn’t pay for your car repairs.
• Collision Coverage: Collision auto insurance pays for damage to your car after an accident, no matter who was at fault. It also pays for repairs if you hit a stationary object, such as a traffic sign.
• Comprehensive Coverage: Comprehensive auto insurance covers all of life’s unexpected events, including damage from extreme weather, fires, vandalism, floods, theft, and animal contact.
• Personal Injury Protection/Medical Payments: Medical payments and personal injury protection auto insurance pay for health care expenses for you and your passengers.
• Uninsured/Underinsured Motorist Coverage: While most states require car insurance, not all drivers follow the law. Uninsured/underinsured motorist insurance protects you from uninsured drivers and hit-and-runs.

Most Acura owners choose full coverage to protect their luxury cars, which includes everything listed above. Other popular options for Acura drivers include rental car reimbursement coverage, gap insurance, and roadside assistance coverage.

Before you add coverage to your policy, ensure you need it — add-ons can increase your rates quickly.

Acura Auto Insurance Cost

Are Acuras expensive to insure? While luxury car insurance always costs more, Acuras are among the more affordable high-end cars for coverage. Check below to see how much you might pay for Acura car insurance based on what model you buy and your age, which are a few of the many factors that affect your auto insurance rates.

Acura Auto Insurance Monthly Rates by Model & Coverage Type

As you can see, there’s significant variation between Acura insurance costs for different models. For example, the Acura NSX has some of the highest rates for the brand, averaging $239 monthly for full coverage.

On the other hand, Acura ILX and RDX insurance costs are relatively affordable, at $143 and $129, respectively. The ILX and RDX are some of Acura’s cheapest models to buy, which is why Acura RDX insurance costs and ILX costs are affordable.

Comparison of Acura Vehicle

Analyzing safety ratings across midsize luxury Acura SUVs, this comparative study delves into the performance of Acura vehicles in ensuring driver and passenger security.

To find the cheapest Acura car insurance for your model, make sure you are comparing rates.

Compare the Auto Insurance Costs Across Acura Models

Delve into our detailed chart provided below to easily compare Acura auto insurance premiums across different models, allowing you to quickly identify the ideal coverage for your vehicle.

Factors Affecting Acura Auto Insurance Rates

Whether you’re buying a used car or the most expensive Acura, the same factors affect your auto insurance rates. Insurance companies look at factors like your age, location, and what car you drive to determine how much you should pay for coverage — this is why auto insurance rates vary so much.

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While the model you purchase is an important rate factor, it’s not the only thing companies look at. When you’re shopping for car insurance, companies will look at the following factors:

• Driving History: Getting traffic violations like speeding tickets, at-fault accidents, and DUIs on your driving record will significantly impact your insurance rates. You might be required to buy high-risk auto insurance if you have too many violations.
• Marital Status: Married couples statistically file fewer claims than single people, so many companies offer discounted rates if you’ve tied the knot. You should also call your insurance company to learn how to get a married couple auto insurance discount.
• Credit Score: You might wonder why and how credit scores affect auto insurance rates. You’ll pay higher Acura auto insurance costs if your credit score is low, unless you live in California, Massachusetts, or Hawaii. Insurers believe policyholders with good credit are less likely to file claims and pay their bill late.
• Location: Insurance companies carefully track claims, and they know how many get filed by ZIP code. So, auto insurance rates by ZIP code can vary significantly.
• Vehicle Make and Model: You saw above that Acura models come with different rates, and the primary reasons behind this are repair and replacement costs, safety ratings, and crash statistics.
• Age and Gender: Average auto insurance rates by age and gender vary. Men and young drivers are more likely to file claims, get into accidents, and drive recklessly, so they pay higher rates.

While these factors play an important role in your rates, the amount of coverage you want to buy also affects monthly prices. For example, the minimum auto insurance requirements in your state will cost less than full coverage.

If you want full coverage at a cheaper price, read on to learn how to save on Acura insurance.

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How to Save Money on Acura Auto Insurance

While luxury cars cost more to insure, Acura insurance is on the lower end of the price scale. While Acura insurance is more affordable than many other luxury cars, there are still ways to find lower rates, such as looking for discounts at the cheapest companies.

When shopping for insurance for Acuras, you should consider the number of auto insurance discounts a company offers before signing up. Finding the right Acura insurance discounts can significantly reduce your Acura auto insurance rates.

Some other tips to get the cheapest Acura auto insurance possible include:

• Add Security: Most insurance companies offer discounts if you install security systems in your car, including protections like audible alarms, GPS tracking, and engine killswitches.
• Enroll in a Telematics Program: Many companies offer cheap usage-based auto insurance to help remote workers and other low-mileage drivers save money. Safe drivers can save up to 40%, depending on the company.
• Keep Your Record Clean: Infractions will increase your car insurance rates until they drop off your record. Therefore, you should avoid adding new infractions to your record to maintain cheap Acura car insurance coverage.

These tips are great options to keep your Acura auto insurance rates low, but comparing quotes is the best way to find affordable coverage. Since companies use unique formulas to determine their rates, looking at multiple quotes is the only way to find the best insurance for Acura vehicles.

Finding the Affordable Acura Auto Insurance Quotes

Luxury auto insurance always comes at a higher price than standard policies, but Acuras tend to come with more affordable rates for a high-end vehicle. At an average rate of $164 monthly, Acuras generally come with low insurance rates. However, you can see much higher Acura car insurance rates, depending on the model, so make sure to compare auto insurance rates by vehicle make and model to find the best deal on your Acura car insurance policy.

While there are many ways to save on Acura car insurance, comparing auto insurance quotes is the best way to find the cheapest Acura auto insurance. Looking at as many quotes as possible is the best way to find the most affordable coverage for an Acura, no matter which model you purchase. Use our free tool to find affordable Acura insurance today.

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