Acura Car Insurance Cost (2026)

Acura full coverage averages $186 per month ($2,229 per year), while minimum coverage averages $96 per month ($1,149 per year), a $90-per-month gap that carries real weight for Acura owners. Many Acura drivers are behind the wheel of newer luxury models where comprehensive and collision protection is worth the added cost, since a single at-fault accident on an uninsured vehicle could mean absorbing a five-figure repair bill. If you're weighing how much protection to carry, MoneyGeek's guide to how much car insurance you need walks through the decision by vehicle value and financial situation.

The average across both coverage tiers is $141 per month ($1,689 per year). Acura sits 15% below the national average, which reflects the brand's mix of mainstream SUVs and sedans rather than high-performance exotics. Drivers focused on keeping costs down can review options for the cheapest full coverage car insurance page to see how Acura rates compare across insurers.

Acura ranks 27th out of 59 makes by average monthly premium based on an analysis of the biggest car brands, placing it squarely in the middle of the market, just above Volvo at $139 per month and just below VinFast and Infiniti at $144 per month. These benchmark figures are averages across all model years and driver profiles, so individual quotes may differ. Acura carries the luxury badge without carrying the insurance burden of European luxury brands. One caveat worth knowing before reading the brand average as your personal benchmark: the NSX, at $259 per month for full coverage on average, pulls the brand figure upward. Drivers of mainstream Acura models like the MDX, RDX, or TLX will likely pay less than the headline average suggests.

Part of what keeps Acura rates moderate is the brand's shared engineering and parts network with Honda. Acura and Honda car insurance both benefit from a wide domestic repair network, which holds down claim costs relative to European luxury makes that rely on specialized technicians and imported components. Broader parts availability means insurers price in lower average claim severity when underwriting Acura policies.

Acura's core lineup skews toward SUVs and sedans with mainstream active safety technology, which produces a lower actuarial risk profile than sport-focused luxury brands. Drivers shopping across luxury makes should compare the best car insurance companies to see how Acura-specific rates stack up against broader insurer rankings.

GEICO offers the lowest full coverage rate for Acura owners at $137 per month, with Travelers close behind at $145 per month. The spread across insurers is the more important number: AIG charges $334 per month for full coverage, a figure that reflects AIG's rates on specific higher-value Acura models and driver profiles rather than a direct like-for-like comparison. That $197 monthly gap versus GEICO, equal to $2,364 per year, is the clearest argument for comparing quotes before committing to a policy. Comparing the cheapest car insurance companies can help you identify which insurers price Acura models most competitively in your state.

These rates are averages across all Acura models, so your actual quote will shift based 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, while TSX and TL drivers will likely land below them. Quoting your specific model and year is the only way to get an accurate read on where you'll actually land in the range.

Full coverage costs range from $153 per month for the Acura TSX to $259 per month for the Acura NSX, a $106-per-month difference within the same brand. While Acura as a whole sits near the middle of the market, the model you choose still creates a meaningful insurance gap across the lineup. The table below shows average monthly rates for each Acura model.

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 per month for the 2005 to $176 per 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 and 2003 fall in the middle of the range at $163 and $175 per month, respectively.

The Acura RDX spans a wide insurance range: a 2019 costs $123 per month for full coverage, while a 2025 reaches $249 per month. The RDX holds strong resale value across model years, which keeps replacement cost estimates high even on vehicles that are a few years old. If you're deciding how much coverage to carry on a newer RDX, our guide to how much car insurance you need can help you match your coverage level to your vehicle's current market value. The 2019 is the most affordable year in the table, and the 2020 through 2022 range also offers lower rates than the 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 specific 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, with only one model year of data available at $197 per month for full coverage. That rate sits mid-range for the Acura lineup, though EV insurance rates often shift in early production years as insurers gather real-world claims data on repair costs and battery replacement. ZDX owners should re-quote annually, since 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 per month for full coverage, but the 2016 and 2017 model years are counterintuitive outliers at $246 and $218 per month, respectively, both higher than every surrounding year. Used-car buyers often assume older means cheaper to insure, but the RLX data shows that's not always true within a specific model line. The RLX was discontinued after 2020, so all available years are used-market vehicles where model-year-specific pricing anomalies are worth checking before purchase.

The 2020 Acura TLX is the most affordable year at $151 per month for full coverage, while the 2025 reaches $324 per month, meaning a five-year-old TLX costs less than half what a brand-new one does to insure. The 2018 is worth noting as an outlier at $265 per month, sitting above both the 2017 ($211) and 2019 ($228) in a pattern consistent with the ILX anomaly. Quote your specific TLX model year directly rather than relying on the model average, since the year-to-year variation here is too large to ignore.

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.