Best Car Insurance for Acura 2022

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Car Insurance for Acura

On average, Acura drivers pay $1,764 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Integra SE costs $1,187 more more per year to insure than a Mdx.
Debuting in the 1980s, Acura acts as the luxury and performance division of Honda. Their vehicles are well-loved for their high-performance, safety, and luxury styling. Acuras are a solid option for drivers looking to drive smoothly, stylishly, and reliably.
If you do settle on an Acura, you’ll need to be sure you have the correct auto insurance.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles.
Here are some real quotes from Jerry customers who saved money when insuring their Acura.
Quote DateCarLocationZip CodeNameAgeCarrier
Before Jerry
After Jerry
April 7, 2022Acura TsxLadson, SC29456Sean H.34Safeco$185/mo.$86/mo.
March 31, 2022Acura MDX AdvanceRaleigh, NC27617Frank M.39National General$119/mo.$93/mo.
April 7, 2022Acura TsxMacon, GA31211Effie S.31Safeco$175/mo.$105/mo.
April 4, 2022Acura TsxWilmington, DE19808Roy H.53Progressive$200/mo.$125/mo.
April 7, 2022Acura TLEllenwood, GA30294Anthony R.35Mercury$235/mo.$182/mo.
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Insurance for Acura models

While they may all have the same make, insurance premiums for Acuras can vary substantially based on the car’s age and model.

Insurance for Acura based on the year of the car

New automobiles are fantastic, but if you want the best insurance rates, you’ll want to go for an older Acura (thanks, depreciation).
A new car loses 23.5 percent of its worth in the first year and 60 percent of its value in the first five years, according to Edmunds. If you need to make a claim, the less your car is worth, the less it will cost to repair or replace it. This equals lower insurance premiums for you.
Drivers of newer cars are more likely to lease or loan their vehicles, necessitating the purchase of full-coverage insurance. You’ll always pay more for complete coverage than the state’s obligatory minimum insurance requirement.
According to Jerry’s internal data, the cheapest years for Acuras are 1991 and 1998.
The most expensive years for Acuras are 2018 and 2017.
Year
Average Cost
Annual Savings with Jerry
2022$3,273$1,239Compare Prices
2021$3,249$1,081Compare Prices
2020$3,112$804Compare Prices
2019$3,108$836Compare Prices
2018$3,985$1,192Compare Prices
2017$3,482$1,074Compare Prices
2016$3,176$843Compare Prices
2015$3,447$1,120Compare Prices
2014$3,303$1,150Compare Prices
2013$3,057$982Compare Prices
2012$2,739$882Compare Prices
2011$2,582$822Compare Prices
2010$2,927$1,011Compare Prices
2009$3,104$1,191Compare Prices
2008$2,698$803Compare Prices
2007$2,940$900Compare Prices
2006$2,301$732Compare Prices
2005$2,465$842Compare Prices
2004$2,442$781Compare Prices
2003$2,192$739Compare Prices
2002$2,418$971Compare Prices
2001$2,909$1,033Compare Prices
2000$2,795$1,251Compare Prices
1999$1,787$538Compare Prices
1998$3,780$2,561Compare Prices
1997$3,164$965Compare Prices
1996$2,097$566Compare Prices
1995$2,329$866Compare Prices
1994$2,213$512Compare Prices
1992$1,830$543Compare Prices
Key Takeaway Older Acuras typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.
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Insurance for different models of Acura based on model

Because Acuras are considered premium vehicles, their insurance costs can be high due to the high cost of replacement parts and repairs. However, not all Acuras are made equal when it comes to car insurance.
In general, more expensive cars need larger payouts from insurers, resulting in higher insurance premiums for you.
For example, insuring a midsize SUV like the MDX will be more expensive than insuring a subcompact sedan like the ILX. This is owing to its higher initial cost, larger size, and steeper maintenance costs.
If you want to learn more about car insurance costs for some of the most popular Acura models, check out the links below.
Key Takeaway The model of your car has an impact on your insurance rates. When a vehicle is more expensive, insurance usually costs more.
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Full coverage vs. minimum coverage for your Acura

The majority of states have mandatory minimum insurance requirements that drivers must meet before driving. The coverage you select will determine the cost of your Acura’s insurance.
Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver.
If you live in a no-fault state, your state may also mandate you to get personal injury protection (PIP).
It’s usually advisable to buy more than the necessary minimum coverage if you can afford it. Even a minor collision can cost you thousands of dollars in property damage and medical bills. If you’re at fault but don’t have enough insurance, you’ll be responsible for covering the costs yourself.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for an Acura is $1,661 per year for minimum car insurance and $2,292 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,627 per year for minimum car insurance and $2,297 for full-coverage insurance.
Here’s what it costs to insure an Acura with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Acura$2,472$1,679$2,202$1,417$2,713$1,877
Acura
All Coverage Before Jerry
$2,472
All Coverage After Jerry
$1,679
Minimum Coverage Before Jerry
$2,202
Minimum Coverage After Jerry
$1,417
Full Coverage Before Jerry
$2,713
Full Coverage After Jerry
$1,877
A more expensive car, like most makes, will be more expensive to insure. Because Acura is Honda’s premium division, it is more expensive to insure than its more affordable counterparts.
However, when compared to rival luxury manufacturers like Infiniti and Lexus, Acura insurance costs are comparable, if not lower.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Acura

While some basic insurance costs are determined by the car’s model, age, and type of insurance, carriers will also consider your unique demographics and other criteria when determining your rates.

The model of Acura you drive

Most models are offered with different trim levels—versions of the same model that includes different features—and a higher trim can come with pricier insurance premiums.
The RDX, for example, is available in three different packages: Technology, A-Spec, and Advance. Each package adds features and upgrades worth a few thousand dollars to the car’s purchase price. As a result, your insurance premiums will rise.

Your insurance company

Since each insurance company uses its own formula to calculate premiums, the same coverage can have vastly different prices depending on which provider you choose.
Remember that with insurance, cheaper isn’t always better. Sacrificing coverage you need to save a few dollars a month can leave you in a tricky financial situation if you get into an accident.
To find the best policy and premium, it’s a good idea to compare quotes from multiple insurance providers.
Make it easy on yourself and comparison shop with Jerry, instead.
Jerry will provide you with quotes from 50+ insurance companies in less than a minute. Swapping is just as simple since Jerry takes care of the paperwork and even cancels your old policy on your behalf. And did we mention that it’s free to use?
Here’s what Acura drivers paid for car insurance before and after switching with Jerry:
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Your age

When it comes to determining your insurance premiums, one of the most important elements that insurers consider is your age.
Young drivers, on average, pay substantially more for insurance than senior drivers. Insurance companies frequently perceive younger drivers with less driving experience to be high-risk drivers, and therefore raise premiums depending on the possibility of a claim.

Your driving record

When determining expenses, insurance companies also consider traffic offenses.
Your insurance costs may rise slightly if you have a minor speeding ticket or a failure to stop on your record. The most serious offenses, including DUI and reckless driving, have a much greater impact on your rates and can stay on your record for years.
Fortunately, your rates are likely to drop if you change your driving habits and have a clean driving record in the future.
Here are some common insurance premiums for Acura drivers with previous infractions:
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Where you live

Another thing to consider is your location. You might expect your insurance premiums to rise if you move from a rural or suburban region to a big city, for example.
It all boils down to how much risk your insurance provider is willing to take on to cover your car. You should expect to spend extra on your insurance if your city has a lot of car thefts or a high rate of collisions.
Furthermore, if your region is prone to severe weather events such as tornadoes or hurricanes, your insurance rates will almost certainly increase due to the likelihood of filing weather-related property damage claims.
According to our data, there is a high percentage of Acura drivers in cities including Philadelphia (PA), Atlanta (GA), Charlotte (NC), Houston (TX) and Bronx (NY).
The cheapest car insurance for Acura for Jerry users is in Menlo-Park (CA) and Cary (NC).
The most expensive car insurance for Acura for Jerry users is in Saint-Albans (NY) and Lodi (NJ).
Jerry can help you find the finest car insurance pricing no matter where you live, your demographics, or the Acura model you drive.
Go to Jerry if you need affordable vehicle insurance quotes fast. The Jerry app, which is a registered broker that provides end-to-end service, gathers reasonable rates, assists you in switching plans, and will even help you cancel your old policy.

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