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The average cost of Acura car insurance is $2,958 per year. But the exact cost of Acura insurance varies based on your model, driving record, and location—and your insurance company.
So you’re looking for cheap car insurance to protect your Acura? Well, the right policy for you—and how much it will cost—depends on a myriad of factors. In addition to your demographics, driving record, and driving habits, the type of Acura you drive has a big effect.
That’s right: Your 2015 Acura TLX will come with very different insurance costs than your brand-new Acura MDX. So how can you be sure you’re finding the perfect policy at the very best price?
The answer is simple. Shop with the licensed insurance broker and all-around super appJerry! Jerry does the hard work of collecting customized quotes and presents you with the very best ones. All you have to do is choose a policy, and Jerry does the rest.
In this article, we’ll discuss some tips for securing the best rates on Acura car insurance.
How much does Acura car insurance cost?
The average annual cost of car insurance for an Acura vehicle is $2,958 But insurance premiums for Acura drivers vary among models. Your driving history, coverage limits, and location play a role as well.
In general, Acura insurance could get a bit pricey. This is because Acura designs premium vehicles that can be expensive to repair.(Acura is the luxury and performance division of the Japanese automaker, Honda, after all!)
Fortunately, Acura takes pride in receiving top safety ratings for all of the brand's sedans and SUVs. Acura's cars are also among the most reliable vehicles on the road. These two factors can help keep your car insurance rates a bit more affordable.
Your vehicle will affect your Acura insurance rates as well. For example, if you own an older Acura with lots of mileage, a very high trim level, or a model with a lot of custom upgrades, it may be harder to find replacement parts, raising your average rates.
On the other hand, opting for upgraded safety features on your new car can potentially lower your auto insurance rates.
So how can you be sure you’re getting the best rates out there? You have to comparison-shop, which involves comparing multiple quotes from different companies.
Fortunately, you don’t have to do it alone. Just download Jerry, and within 45 seconds, the super app will compare rates from over 55 car insurance companies and provide you with fully customized quotes. You’ll never have to deal with a confusing customer service agent or pushy salesperson, either!
But don’t just take our word for it—take a look at the cold, hard numbers. Here are some examples of Acura insurance quotes you could get from Jerry.
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| April 28, 2022 | Acura MDX | $209/mo. | $179/mo. | Kissimmee, FL | 34759 | Rena S. | 42 | Mercury |
| July 26, 2021 | Acura Rl | $245/mo. | $184/mo. | San Francisco, CA | 94112 | Frederick G. | 27 | Clearcover |
| May 28, 2021 | Acura TLX Advance | $300/mo. | $190/mo. | Long Beach, CA | 90813 | Wesley W. | 32 | Allstate |
| June 11, 2020 | Acura MDX Technology | $425/mo. | $78/mo. | Charlotte, NC | 28208 | Don R. | 38 | Nationwide |
| May 16, 2020 | Acura Integra LS | $121/mo. | $88/mo. | Norcross, GA | 30092 | Alfred F. | 35 | Progressive |
How much insurance do you need for an Acura?
Your insurance needs will depend on several factors, such as the age of your Acura and which state it’s registered in.
You should always use your state’s minimum required car insurance as a jumping-off point. Most states require a specified amount of liability coverage (which includes bodily injury liability and property damage liability) as a way to ensure that you won’t need to pay out of pocket for other drivers’ expenses if you happen to cause an accident.
Some states require additional types of coverage, as well. Here are some common ones.
- Uninsured/underinsured motorist coverage ensures you’re covered even if you end up colliding with a driver who lacks sufficient liability insurance.
- Personal injury protection (PIP) pays for medical expenses, rehabilitation, and even funeral costs for you and your passengers. PIP is generally required in no-fault states.
- Medical payments (MedPay) coverage is another type of coverage that applies to medical expenses for you and your passengers.
Legally, you don’t need anything more than your state’s minimum liability insurance, but you’ll probably want to invest in additional coverage for your luxury vehicle. We recommend a full coverage car insurance policy, which includes both collision and comprehensive coverage.
With this added coverage, your Acura model will be covered in the event of an accident, vandalism, theft, inclement weather, and more. If you financed your vehicle, opting for full-coverage insurance may be required by your lender. Auto loan companies also often require gap insurance to cover the difference between your car’s value and the amount left on your loan.
Acura car insurance rates by model
There is an array of Acura models to choose from, and this choice has a major effect on your car insurance rates. Generally, you can expect smaller and more affordable models like the Acura Integra and the Acura TLX will offer lower insurance rates. Meanwhile, the Acura NSX Type S supercar will be much more expensive to insure.
Still, variations in trim level, options, and more can further dictate your insurance costs. To get a better idea of the average rates, let’s take a look at the typical premiums for some of the most loved Acura models.
How much does Acura Integra insurance cost?
This small and sporty four-door sedan is making a comeback for the 2023 model year to replace the Acura ILX as the brand’s entry-level option. Acura Integra car insurance costs will likely be lower than other Acura models thanks to its compact size and relatively low starting MSRP.
But the Integra comes in three trims, and opting for a more well-equipped model—or even adding on standalone options like the Technology package—will cause your rates to rise.
Below, discover how annual premiums for the Integra may vary based on coverage options and vehicle trim.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2020 Acura Integra Ls | $1,355 | $1,782 |
| 2019 Acura Integra Ls | $2,242 | $2,761 |
| 2018 Acura Integra Ls | $4,169 | $1,662 |
| 2017 Acura Integra Ls | $2,832 | $2,290 |
| 2016 Acura Integra Ls | $3,996 | $1,404 |
How much does Acura TLX insurance cost?
The Acura TLX is a sexy midsize sports sedan that rivals luxury brands like Audi, BMW, and Lexus—but at a considerably lower sticker price. While it won’t be as affordable to insure as a modest Honda, the TLX may not come with coverage that’s quite as expensive as other vehicles in its class.
Choose between 272-hp, turbocharged 2.0-liter, four-cylinder engine or a 355-hp, turbo 3.0-liter V-6. Remember that moving up trims will once again cause your premiums to grow.
So how much will you pay to insure your TLX? To get a better idea of what you’ll pay, check out the table below, which compares full and minimum coverage rates for various TLX model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2020 Acura Tlx | $1,776 | $2,410 |
| 2019 Acura Tlx | $4,055 | $1,286 |
| 2018 Acura Tlx | $1,514 | $1,318 |
| 2017 Acura Tlx | $2,814 | $2,230 |
| 2015 Acura Tlx | $4,619 | $1,576 |
For more information, check out our in-depth guide to Acura TLX car insurance.
How much does Acura RDX insurance cost?
Are you looking for a vehicle that allows your whole family to ride in the lap of luxury? The Acura RDX is a great option. This compact crossover boasts a roomy and comfortable interior and is still sporty and fun to drive.
Keep in mind, however, that SUVs and crossovers tend to be more expensive to insure. Here’s the breakdown of the average yearly premiums for RDX owners.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2020 Acura Rdx | $1,355 | $1,782 |
| 2019 Acura Rdx | $2,242 | $2,761 |
| 2018 Acura Rdx | $4,169 | $1,662 |
| 2017 Acura Rdx | $2,832 | $2,290 |
| 2016 Acura Rdx | $3,996 | $1,404 |
Want more details? Check out our in-depth guide to Acura RDX insurance costs.
How much does Acura MDX insurance cost?
The three-row Acura MDX takes it up one more notch, making it the carmaker’s biggest SUV. But when it comes to cost, size matters!
The MDX is one of Acura’s most expensive options to purchase. It's also one of the most expensive Acura vehicles to insure.
Take a closer look at how that breaks down.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2020 Acura Mdx | $1,355 | $1,782 |
| 2019 Acura Mdx | $2,242 | $2,761 |
| 2018 Acura Mdx | $4,169 | $1,662 |
| 2017 Acura Mdx | $2,832 | $2,290 |
| 2016 Acura Mdx | $3,996 | $1,404 |
To learn more, check out our in-depth guide to Acura MDX insurance costs.
How much does Acura ILX insurance cost?
The Acura ILX is the company's smallest subcompact luxury vehicle, and it's one of the best deals on the market for a subcompact luxury car. Though it's lacking in performance, the vehicle handles well, and drivers can rest easy with a 5-star NHTSA rating and an impressive slew of safety features.
An affordable price and good safety ratings usually spell out agreeable ILX insurance costs. Take a look:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2020 Acura Ilx | $1,355 | $1,782 |
| 2019 Acura Ilx | $2,242 | $2,761 |
| 2018 Acura Ilx | $4,169 | $1,662 |
| 2017 Acura Ilx | $2,832 | $2,290 |
| 2016 Acura Ilx | $3,996 | $1,404 |
Compare Acura car insurance quotes
The internet is full of car insurance quotes, but how can you be sure that they’re real, accurate, and tailored to your personal vehicle and driver profile?
Just use Jerry! The super app only takes a minute to find you customized quotes from the very best insurance companies for Acura owners (more on that below!).
Best car insurance companies for your Acura
Acura owners might find great rates with companies like USAA, State Farm, and GEICO—but you’re not stuck with any single company when it comes to unlocking the cheapest rate for your Acura.
Every auto insurance company uses a different algorithm to calculate insurance premiums. One company might consider Acura’s top-notch safety features, while another might offer discounts that suit your unique demographic.
Comparing multiple rates from different companies is the only way to find the best policy for you and your specificAcura. Fortunately, Jerry can provide real-time quotes from over 55 different companies, meaning comparison shopping doesn’t have to be a headache.
Take a look at what different providers quote for Acuras and how much you could save by shopping with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| State Auto | $2,901 | $1,058 | |
| National General | $2,893 | $1,036 | |
| Nationwide | $2,946 | $1,006 | |
| Clearcover | $2,703 | $979 | |
| Dairyland | $3,035 | $977 | |
| Safeco | $3,033 | $903 | |
| Progressive | $2,892 | $895 | |
| Allstate | $2,752 | $890 | |
| Kemper | $2,377 | $830 | |
| Travelers | $2,796 | $755 | |
| Compare Prices | |||
Acura auto insurance cost by driving record
In addition to your vehicle, the biggest factor that affects your car insurance rates is you. Or, more specifically, your driving record.
As a rule of thumb, safe drivers pay less for auto insurance. Even minor violations—like speeding tickets—can cause your rates to rise, while severe violations will cause more significant increases.
Acura owners with a DUI conviction typically pay $2,958 more per year for car insurance, but even a simple speeding ticket can add an average of $1,797 to your annual premium!
The table below estimates how much you can save on Acura car insurance by improving your driving record.
Acura car insurance cost by location
The final major factor that affects your car insurance rates is your geographic location. The cost of living between New York City and a small, rural town in Iowa obviously differs—and car insurance premiums are no exception.
Take a look at the table below to discover state-by-state averages for Acura insurance.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,068 | $980 | |
| Charlotte | $2,420 | $824 | |
| Dallas | $2,066 | $522 | |
| Ellenwood | $2,847 | $830 | |
| Henrico | $3,633 | $1,831 | |
| Houston | $3,053 | $1,012 | |
| Jacksonville | $2,932 | $857 | |
| Kingston | $6,663 | $2,275 | |
| Philadelphia | $2,685 | $829 | |
| San Antonio | $2,093 | $460 | |
| Compare Prices | |||
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
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