Acura Car Insurance Cost (2026)

Acura full coverage averages $186 a month. Minimum coverage averages $96 a month, a $90 monthly difference. Newer Acura models carry higher comprehensive and collision costs because repair bills after an at-fault accident can reach five figures. MoneyGeek's guide to how much car insurance you need breaks down coverage decisions by vehicle value and financial situation.

The average across both coverage tiers is $141 a month. Acura sits 15% below the national average. The brand's lineup leans toward mainstream SUVs and sedans instead of high-performance models, which keeps rates lower. Insurer-by-insurer Acura rates are available on the cheapest full coverage car insurance page.

Acura ranks 27th out of 59 makes by average monthly premium, based on an analysis of the biggest car brands. That places Acura between Volvo, at $139 a month, and VinFast and Infiniti, both at $144 a month. These figures average across all model years and driver profiles, so individual quotes vary. 

Despite its luxury positioning, Acura's average premium runs lower than many European luxury brands. The NSX skews that average higher, averaging $259 a month for full coverage. Mainstream models like the MDX, RDX and TLX often cost less than the brand-wide figure.

Acura shares engineering and parts with Honda, and that shared network keeps rates moderate. Both brands draw on a wide domestic repair network, unlike European luxury makes that depend on specialized technicians and imported parts. That wider parts availability lowers average claim severity, and insurers price Acura policies accordingly. Compare rates directly on the Honda car insurance page to see how the two brands stack up.

Acura's core lineup leans toward SUVs and sedans built with mainstream active safety technology. That mix carries a lower actuarial risk profile than sport-focused luxury brands. The best car insurance companies page ranks insurers directly, so luxury-make shoppers can see how Acura-specific rates compare.

GEICO offers the lowest full coverage rate for Acura owners at $137 a month. Travelers follows closely at $145 a month. AIG charges $334 a month for full coverage, a figure that reflects AIG's rates on higher-value Acura models and driver profiles rather than a direct like-for-like comparison. That's a $197 monthly difference from GEICO, or $2,364 a year. See how insurers price Acura models in your state on the cheapest car insurance companies page.

These rates average across all Acura models, so your actual quote depends on which vehicle you drive. Owners of higher-value models like the NSX or a new TLX will see rates above these figures with any insurer. TSX and TL drivers usually land below them. Get a quote for your model and year to see where you fall in that range.

Full coverage costs range from $153 a month for the Acura TSX to $259 a month for the Acura NSX, a $106 monthly difference within the same brand. Acura as a whole sits near the middle of the market. The model you choose still changes what you'll pay across the lineup. Average monthly rates for each Acura model appear in the table.

The Acura TSX averages $153 per month for full coverage across all available model years. The TSX was discontinued after 2014, so every year in the table represents an older vehicle with a lower market value. The 2010 is the most affordable year at $107 per month, while the 2014 reaches $191 per month. The TSX's age and broad parts availability through the Honda network keep it among the cheapest Acuras to insure.

The Acura TL averages $154 per month for full coverage, with the 2005 model year as the entry point at $122 per month and the 2011 as the most expensive year at $181 per month. The 2011 marked the launch of the fourth-generation TL, which introduced more powerful trim options, a factor that can push actuarial risk scores higher for that specific model year. Buyers looking at a used TL will find the 2005 through 2009 range offers the lowest insurance costs in the lineup.

The Acura RSX has only five model years of data, as the model was discontinued after 2006. Full coverage ranges from $144 a month for the 2005 to $176 a month for the 2006. For older discontinued models like the RSX, parts availability affects claim costs more than market value alone, since insurers price in the difficulty of sourcing components when the manufacturer no longer supports the line. The 2004 falls in the middle of the range at $163 a month. The 2003 costs $175 a month.

The Acura RDX spans a wide insurance range across model years. A 2019 RDX costs $123 a month for full coverage. A 2025 RDX reaches $249 a month. The RDX holds its resale value well across model years. That resale value keeps replacement cost estimates high even on vehicles that are a few years old. MoneyGeek's guide to how much car insurance you need matches coverage levels to your vehicle's current market value. The 2019 is the most affordable year in the table. The 2020 through 2022 range also costs less than 2023-and-newer models.

The Acura ADX is a new model with only 2025 data available, so the table reflects a single model year at $179 per month for full coverage, in line with the Acura brand average. New models often see rate revisions in the first few years as claims data accumulates and insurers refine their risk models. ADX owners should re-quote annually to catch any adjustments as more real-world claims data enters the market.

The Acura MDX ranges from $139 per month for full coverage on a 2022 to $219 per month on a 2025, an $80 monthly gap before accounting for depreciation differences between those model years. Buyers choosing between a recent used MDX and a brand-new one should factor that insurance difference into the total ownership cost calculation. Driver age also affects MDX premiums alongside model year; our data on average car insurance rates by age shows how much age alone can shift what you pay. Readers who want a deeper MDX-specific breakdown can find model-level insurer comparisons on MoneyGeek's Acura MDX insurance page.

The Acura Integra was relaunched in 2023 after a 22-year production gap, so the table covers two distinct eras of the nameplate. The 2001 is the most affordable year at $145 per month for full coverage, while the 2025 reaches $233 per month. The modern Integra's higher base price and the repair costs associated with its advanced driver assistance sensors explain the premium over the original generation, since ADAS components are expensive to replace after even minor collisions.

The 2018 Acura ILX is the most affordable year in the table at $136 per month for full coverage, but the 2015 through 2017 model years carry rates of $290 to $344 per month, more than double what neighboring years cost. That anomaly makes the ILX one of the most important Acura models to quote by year rather than relying on a model average. Assuming you'll pay the brand or model average for a 2016 ILX would dramatically underestimate your actual premium.

The Acura ZDX is Acura's first all-electric SUV, launched for 2024. Only one model year of data is available, at $197 a month for full coverage. That rate sits mid-range for the Acura lineup. EV insurance rates can shift in early production years as insurers gather real-world claims data on repair costs and battery replacement. ZDX owners should re-quote annually. Rates on new EV models can move more than rates on established gasoline vehicles.

The 2018 Acura RLX is the most affordable year at $153 a month for full coverage. The 2016 and 2017 model years are outliers: $246 a month and $218 a month, both higher than every surrounding year. Used-car buyers often assume older means cheaper to insure. The RLX data doesn't support that within this model line. The RLX was discontinued after 2020, so all available years are used-market vehicles. Check model-year pricing closely before buying, since anomalies like the 2016 and 2017 RLX can break the usual pattern.

The 2020 Acura TLX is the most affordable year at $151 a month for full coverage. The 2025 reaches $324 a month. A five-year-old TLX costs less than half what a brand-new one does to insure. The 2018 is an outlier at $265 a month, priced above both the 2017 ($211) and the 2019 ($228). That pattern matches the ILX anomaly. Quote your TLX model year directly rather than relying on the model average. Year-to-year variation on the TLX is too large to rely on a single average figure.

The 2022 Acura NSX carries a full coverage rate of $367 per month, the highest of any Acura model by a wide margin. The 2002 is the most affordable year at $168 per month, and the gap between them reflects what the NSX actually is: a limited-production hybrid supercar with bespoke components and a narrow repair network that drives claim costs well above any other vehicle in the Acura lineup. The model also has a notable production gap between 2005 and 2017, when it was discontinued and later relaunched, which is visible in the table data. Drivers comparing the NSX against other performance vehicles can find rate comparisons on MoneyGeek's cheapest car insurance for sports cars page.