Services
Insurance
Loans
Repairs
Advice
About

Cheapest Acura Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Acura.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Acura car insurance cost? 

On the US market since 2006, Acura is the luxury nameplate made by Honda. Acura’s unique styling and updated features are perfect for drivers who want Honda’s reliability but with a sleeker appearance.
 The average Acura driver can expect to pay $1,236 per year for
auto insurance
—but you’re not the average Acura driver, are you?
Your zip code, specific Acura model, and driving history all affect the price you pay for coverage. That’s why we can’t generalize about an average
auto insurance quote
for all Acuras. However, we can share some of our research about Acura drivers and their insurance costs. In fact, Jerry has helped 10381 Acura drivers save an average of $1,922 on their car insurance. That’s pretty nifty! 

How to find the cheapest Acura car insurance quote? 

Jerry conducted a groundbreaking survey to help drivers understand what affects their insurance. This data comes from hours poring over data, analyzing 10381 Acura insurance quotes from Jerry customers in the last 12 months.
Let’s look at some real data, shall we? Jerry has provided Acura car insurance quotes to real drivers. Here are some of their costs with providers listed beside.
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 15, 2024
Acura MDXAAA
$185
• State Minimum Liability
• Comp / Collision
July 12, 2024
Acura 3.2TLNationwide
$96
• 50,000/100,000 Liability
• Comp / Collision
July 5, 2024
Acura TLAllstate
$222
• 100,000/300,000 Liability
• Comp / Collision
June 30, 2024
Acura MDXProgressive
$116
• 100,000/300,000 Liability
• Comp / Collision
June 29, 2024
Acura RDXTravelers
$220
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 15, 2024

Best car insurance companies for Acura drivers

You’ve probably never heard someone say that they love
shopping for car insurance
—but what’s not to love about finding the perfect policy for you and your Acura? 
Firstly, remember that there is no “best” insurance company for all Acura drivers. There is a best company out there for you and your specific coverage needs, however. You just have to hunt down that magical company (hint:
Jerry
can help).
Here’s how real Acura drivers rated some popular insurance companies—check out their ratings below. 

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Lower my car insurance too!

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Bristol West
Reliable insurance, great customer service!
Anthony
Progressive
So far everything is good
George
Progressive
Progressive is a great insurance company. Very pleased so far
Julie
Progressive
I am very excited to have progressive as my first auto insurance, very low rate and great coverage
Mohammed

Are Acuras more expensive to insure?

Acuras cost 1% more to insure compared to the average cost of other cars. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Smart
$65
$146
GEO
$73
$90
Dodge
$95
$189
Hummer
$95
$165
Acura
$103
$186

Cheapest Acuras to insure

If you’re looking to save money on insurance, try the 2022 Acura RDX. It’s the cheapest Acura model to insure. Expect to pay an average monthly premium of $31 for state minimum coverage and an average of $180 for full coverage. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2022 Acura RDX
$93
$180
2014 Acura RDX
$93
$183
2011 Acura MDX
$93
$161
2019 Acura ILX
$93
$197
2013 Acura TL
$93
$222

Most expensive Acuras to insure

The most expensive Acura model to insure on average is 2016 Acura TLX. The average driver of this model can expect to spend $190 per month for state minimum coverage or an average of $185 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$159
$203
2016 Acura TLX
$173
$190
2018 Acura ILX
$164
$175
2018 Acura RDX
$157
$250
2019 Acura RDX
$148
$188
Don’t let the average costs confuse you. You could pay more or less, depending on your personal driving history and zip code—even if you drive the same model! Get free quotes for your specific model and driver profile to get a better idea of what you should be paying. Cheap insurance is possible, but to find the best rates you have to put in the work.

What factors affect Acura car insurance rates?

Let’s take a closer look at some of the various factors that affect
how car insurance is calculated
. All auto insurance companies have their own unique formulas, weighing some factors more or less than other providers. Regardless, here are the factors that might affect your Acura car insurance rates:
  • Vehicle cost: If you spent a lot of money on the car, it will cost a lot of money to replace it if you get into an accident. That’s why collision and comprehensive coverage cost more for high-performance and luxury vehicles 
  • Vehicle age: Newer cars tend to have newer technology—which will cost more to repair or replace. That’s why older cars typically cost less to insure.
  • Cost of parts: If you drive a rare model or if the vehicle includes a hybrid powertrain, replacement parts can be tricky to locate. That’s a higher risk for the car insurance companies, so you’ll be charged a higher rate for coverage. 
  • Your age: Drivers over 70 years old will pay higher-than-average costs for insurance, as will drivers under the age of 25. Both groups face unique and elevated risks on the road. 
  • Your driving record and claims history: A clean driving record will unlock the lowest rates, but speeding tickets and other traffic violations can hike up your rates. 
  • Where you keep your car: If you live in a zip code with a very dense population, you might spend more for insurance. That’s because of the elevated risk of accidents with other cars and pedestrians.
Here are a few specific factors that impact auto insurance rates for Acura:
  • Imports: While Acura is an imported model, it’s a very popular brand. Replacement parts are not overly expensive or hard to find.
  • Safety: Honda and Acura get peak ratings in safety assessments, and safer vehicles are cheaper to insure.
  • Reliability: Acuras benefit from Honda’s top-notch reputation for reliability. This helps bring down insurance costs immensely. 

Acura insurance cost for young drivers

Young drivers don’t have as much experience on the road. As a result,
teen drivers
aged 16 to 19 can expect to pay the highest insurance rates of all drivers. They have less experience and probably a low credit score. After the age of 25, the cost of car insurance starts to decrease.
Teen drivers who own a newer vehicle should consider full coverage with collision coverage, since young folks face higher accident rates.

card cover
Chester (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$272
per month
card cover
Carl (24 years old)
coverageCoverage
State Minimum
carAcura MDX
$124
per month
card cover
Jane (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carAcura MDX Technology
$292
per month
card cover
Jeffrey (24 years old)
coverageCoverage
State Minimum
carAcura TLX
$261
per month
card cover
Elnora (23 years old)
coverageCoverage
State Minimum
carAcura RDX
$237
per month

Acura insurance cost for senior drivers

Like young drivers, older drivers face unique risks on the road. Drivers over 70 tend to get into more car accidents—and the costs associated with recovering from an accident can be higher. To compensate for these elevated costs,
car insurance rates for seniors
tend to be higher than average with most insurance providers.

card cover
Charlotte (84 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$123
per month
card cover
Curtis (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carAcura 3.5RL
$81
per month
card cover
Mildred (65 years old)
coverageCoverage
State Minimum
carAcura TL
$63
per month
card cover
Maggie (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carAcura TLX
$126
per month
card cover
Kate (77 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carAcura RDX
$148
per month

Acura insurance cost for drivers with driving violations 

Some violations have a bigger impact on your rate than others, but any violation can be a red flag for an insurance company. It’s a sign that you might commit another violation in the future—and this could cost the company money.
Acura drivers with no violations will pay the lowest rates. If you have any of these incidents on your record within the last three to five years, you could face higher rates:
  • Speeding tickets
  • DUIs
  • At fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Acura drivers with speeding ticket

In addition to the fine for speeding, you’ll notice a bump in your insurance premium after a ticket. A single ticket isn’t worth losing sleep, but repeated offenses should be avoided at all costs.
Jerry has helped Acura drivers with speeding tickets who need to find affordable coverage.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Acura TLState Auto
$142
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Acura TSX
Clearcover
$199
• 15,000/30,000 Liability
Speeding 11-15
Acura TLXMercury
$155
• State Minimum Liability
Speeding 16-20
Acura TSXBristol West
$410
• 30,000/60,000 Liability
Speeding 21+
Acura TLX AdvanceTravelers
$302
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 14, 2024

Cheapest car insurance for Acura drivers with a DUI record

No matter what car you drive, a
DUI conviction
is a serious offense. It carries major penalties and it can make it very difficult to find car insurance. Some companies will refuse to insure a driver with a DUI, whereas others will simply charge very high rates for the extreme risk of insuring you.
If you have a DUI on your record, you definitely need to shop around to compare rates at different companies. It’s the only way to find out what the lowest rate is for your situation.
Jerry has helped other Acura drivers with DUis in their search for affordable auto insurance.

card cover
Lulu (51 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carAcura TL
$120
per month
card cover
Josie (44 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carAcura MDX Technology
$146
per month
card cover
Ricardo (27 years old)
DUI
coverageCoverage
State Minimum
carAcura TSX
$114
per month
card cover
Stephen (28 years old)
DUI
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carAcura 3.2TL
$91
per month
card cover
Agnes (45 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
$251
per month

Cheapest car insurance for Acura drivers after an accident

An at-fault accident is a clear indicator that you’re a risky driver. Unfortunately, a single at-fault accident can raise your rates tremendously.
Jerry can help Acura drivers with accidents on their records find car insurance. Here are some examples of real drivers Jerry has helped.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Acura TLNationwide
$274
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Acura MDX TechnologyAllstate
$209
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Acura MDX TechnologyAAA
$317
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Acura RDXTravelers
$220
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Acura MDX TechnologyMercury
$140
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 16, 2024

Cheapest car insurance for Acura drivers with other driving violations on their record

Violations like reckless driving and
driving on a suspended license
are also serious offenses that insurers will notice. A single offense at this level can trigger a rate hike.
Check out this list of common driving violations and how much each violation could impact your Acura insurance costs.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Acura TLProgressive
$185
• State Minimum Liability
Defective Equipment
Acura Integra GSSafeco
$122
• 50,000/100,000 Liability
Failure to Obey Signal
Acura TLXAAA
$268
• 25,000/50,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Acura TLX TechBristol West
$292
• 100,000/300,000 Liability
• Comp / Collision
Cell Phone
Acura TSXNational General
$105
• State Minimum Liability
Careless Driving
Acura ILX Base Watch PlusTravelers
$167
• 250,000/500,000 Liability
• Comp / Collision
Driving on Sus. License
Acura 2.3CLProgressive
$227
• State Minimum Liability
Failure to Obey Signal
Acura RDX TechnologyMercury
$265
• 100,000/300,000 Liability
• Comp / Collision
Seat Belt
Acura ILX PremiumSafeco
$175
• 100,000/300,000 Liability
• Comp / Collision
Improper Passing
Acura TSX
Clearcover
$114
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

How can I lower the cost of my Acura car insurance?

To lower your costs as an Acura owner, try some of these expert tips: 
  • Shop around:
    Shopping around for insurance coverage
    is the only way to uncover the best possible rate for your unique driver profile. Get quotes from multiple companies to see who offers the lowest price for your needs—an
    insurance comparison app
    like Jerry makes the process easy.
  • Opt for a smaller model: If you don’t need a high-performance speedster, stick with a smaller model. You’ll save even more money on insurance costs if you buy used instead of new. 
  • Bundle your insurance policies:
    Bundling your home and auto insurance
    with the same company can amount to a lower overall bill. 
  • Ask about discounts: Almost all insurance companies offer a variety of
    car insurance discounts
    . Some are easy to unlock (like the eStatement discount) whereas others you have to earn (like the safe driver discount).
  • Reduce your coverage: If the value of your vehicle is relatively low (like on many older vehicles), you can lower your monthly premium by
    reducing coverage
    . Consider your coverage options carefully before you commit.

FAQs

Your driver history has a big impact on your rates, so it’s a little difficult to generalize. But you can expect to pay anywhere between $60 and $100 per month to insure a 2002 Acura TL. Remember to shop around to find the lowest rate.
Acura is the luxury nameplate of Honda, and luxury vehicles cost more to insure. That being said, Acura is one of the more affordable luxury brands. Insurance costs for Acuras are actually much lower than the average insurance cost for other luxury brands. 
Sometimes. Acuras get great safety ratings which can help with reducing insurance costs. However, Acura is a luxury brand. If you opt for a top-trim compact SUV from Acura, you can expect peak insurance costs.
As a top-trim offering from Acura, the Type S TL is one of the more expensive Acura models to insure. We can’t generalize about rates because your premium depends heavily on your location and your driving history, but the
Type S
may cost over $3,000 per year to insure.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.