Cheap Acura Auto Insurance (2024)
Acura auto insurance averages $164/mo, though rates vary. For example, Acura RDX insurance costs $129/mo, making it one of the cheapest Acuras for car insurance. Below, you can learn how to find the best insurance for Acura vehicles that offers the affordable rates and coverage options you need.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
UPDATED: Apr 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- As a luxury brand, Acuras come with higher car insurance rates than standard vehicles, primarily because they cost more to repair and replace
- While insurance costs more for an Acura, some models are more expensive than others — the NSX has the most expensive rates
- The average Acura driver pays about $164 a month for full coverage, 38% more than the national average of $119
Acura auto insurance averages $164 monthly for full coverage auto insurance. When looking for the best auto insurance for luxury cars, you’ll pay more than you would with a standard policy.
Luxury car insurance is more expensive for several reasons, but repair and replacement costs are the main reason you spend more on your coverage. While Acuras are luxury vehicles, they tend to have slightly more affordable rates than similar brands.
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.
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
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.
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Acura Auto Insurance Cost
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:
| Acura Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Acura TLX | $32 | $67 | $42 | $156 |
| 2023 Acura RLX | $38 | $76 | $42 | $171 |
| 2023 Acura RDX | $31 | $53 | $32 | $129 |
| 2023 Acura NSX | $57 | $125 | $42 | $239 |
| 2023 Acura MDX | $38 | $56 | $37 | $147 |
| 2023 Acura ILX | $31 | $55 | $42 | $143 |
As you can see, there’s significant variation between rates 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 cost is relatively affordably, at $143 and $129, respectively. The ILX and RDX are some of Acura’s cheapest models to buy, which accounts for the low coverage rates.
Comparison of Acura Vehicle
Analyzing safety ratings across midsize luxury SUVs, this comparative study delves into the performance of Acura vehicles in ensuring driver and passenger security.
| Acura Vehicle Comparison |
|---|
| Midsize Luxury SUVs Safety Ratings |
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.
While the model you purchase is an important factor that affects your auto insurance rates, 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. Compare auto insurance rates by vehicle make and model to find the best deal on your Acura car insurance policy.
- 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.
Although it costs more, full coverage is probably a better bet for a new Acura than buying less coverage.
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.
Consider the following tips to save on your Acura insurance:
- 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 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.
- Find discounts: When shopping for coverage, you should consider the number of auto insurance discounts a company offers before signing up. Finding the right discounts can significantly reduce your Acura auto insurance rates.
- 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.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.
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While there are many ways to save on Acura car insurance, comparing auto insurance quotes is the best way to find affordable coverage. 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.
Frequently Asked Questions
Is an Acura expensive to insure?
Luxury auto insurance costs more standard coverage, but Acura insurance tends to run on the more affordable side. The average Acura driver pays about $164 monthly for a full coverage car insurance policy, which can be much lower than other luxury brands like Mercedes-Benz.
Why is Acura insurance so expensive?
Acura insurance costs are higher because they’re luxury vehicles that have a higher value than standard cars. In addition, Acuras have a higher theft risk as luxury vehicles.
Is insurance high on an Acura TL?
Acura TLX auto insurance costs around $156 monthly, a little cheaper than the overall Acura average.
Is Acura MDX expensive to insure?
Acura MDX auto insurance costs $143 a month on average, making it one of the cheapest Acuras to insure. However, there are various factors that affect auto insurance rates, such as driving record, demographics, and coverage options, which impact your Acura auto insurance quotes.
Why do I need auto insurance for my Acura vehicle?
Auto insurance is essential for any vehicle, including your Acura, because it provides financial protection in case of accidents, theft, or other unforeseen events. It helps cover the cost of repairs, medical expenses, and potential liabilities.
What types of auto insurance coverage are available for my Acura?
Various types of auto insurance coverage are available for your Acura, including:
- Liability coverage: Covers bodily injury and property damage to others if you’re at fault in an accident.
- Collision coverage: Pays for repairs or replacement if your Acura is damaged in a collision.
- Comprehensive coverage: Protects against non-collision incidents like theft, vandalism, or natural disasters.
- Personal injury protection (PIP): Covers medical expenses for you and your passengers regardless of fault.
- Uninsured/underinsured motorist coverage: Provides coverage if you’re in an accident with a driver who doesn’t have enough insurance or any insurance.
How can I determine the right coverage limits for my Acura?
Choosing appropriate coverage limits depends on various factors including your state’s minimum requirements, your Acura’s value, your budget, and your personal preferences. It’s recommended to have coverage limits that adequately protect your assets and provide sufficient financial security in case of an accident. Ask an insurance agent to determine the right coverage limits for your needs.
Is an Acura ILX expensive to insure?
Auto insurance for an Acura ILX averages $143/mo, making it one of the cheapest Acura models to insure.
What does Acura Care cover?
The Acura Care extended warranty helps cover costly repair bills after your factory warranty expires. Vehicle parts covered include drivetrain, electronics, chassis, air, and factory accessories.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.