Cheapest Acura Car Insurance (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
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 9573 Acura drivers save an average of $1,928 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 9573 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.

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:
can help).
Here’s how real Acura drivers rated some popular insurance companies—check out their ratings below. 

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Liberty Mutual

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.

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!
So far everything is good
Progressive is a great insurance company. Very pleased so far
I am very excited to have progressive as my first auto insurance, very low rate and great coverage

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

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

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
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.

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.

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.

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.

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.

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.

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.


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.


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

R.E. Fulton
Expert Insurance Writer and Editor
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.
Lina Zhang
Licensed Insurance Agent
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.
Josh Damico
Head Of Insurance Operations
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.