Acura Insurance Cost: Average Rates & What Drives Them

Acura is Honda's luxury brand, and that parentage shows up in insurance. The cars share engineering and a broad repair network with Honda models, and most of the lineup is made of SUVs and sedans rather than exotic sports cars. Premiums for the brand tend to sit nearer a mainstream average than a European luxury average.

The figures here are averages across many drivers, and a single quote can differ sharply. Use them to see how an Acura compares across models, insurers and states, then ask for quotes tied to your own record.

The model matters more than the badge. The compact RDX crossover is the cheapest of the four shown below, the MDX three-row SUV and the Integra sedan land close together, and the TLX sedan costs more.

Older and discontinued models can look different again. The source for these figures also lists models such as the TSX and TL, and those older cars are less costly to insure largely because they are worth less. Whatever you drive, the exact year and trim will change the quote.

The same Acura can draw very different quotes from different insurers. The table below shows full coverage averages across the lineup.

GEICO and Travelers are close to each other at the low end, and State Farm is higher. Smaller or regional insurers may beat all three for some drivers, so include them when you compare. Remember that an average across models says little about the price of one car. Quote the vehicle you actually own or plan to buy.

It does. Traffic, weather, theft, repair labor rates and local claim costs vary by place, and insurers price those differences directly.

North Carolina sits far below California and Texas in this comparison. These state numbers come from a different publisher than the model and insurer tables, so compare states with one another and not against the figures above.

Two comparison sites publish Acura brand averages for full coverage, and they are close but not identical. Different sample drivers, deductibles and quote data explain small gaps like this.

When two independent sources agree this closely, you can plan around the range with some confidence. A quote for your own driver profile still outranks both.

• The model and trim, since a performance trim usually costs more to insure.
• Model year, because newer cars are worth more to replace.
• Your age, record and years of experience.
• Your coverage level and deductible.
• Your ZIP code and where the car is parked overnight.
• How many miles you drive each year.

Safety features and anti-theft equipment may earn a discount with some insurers, but the rules vary by company and state. Ask each one what applies.

An older car with a low market value may cost more to cover with collision and comprehensive than the car is worth if it is totaled. The source for the model figures makes the same point about older models. Whether to keep full coverage on a high mileage car depends on your loan, savings and tolerance for a repair bill, and a licensed insurance agent can walk through those trade offs.