Newer Acura MDXs cost more to insure than older models, with model year affecting your premiums. Monthly rates run from $112 for 2025 models down to $71 for older MDXs as vehicles depreciate over time.
Acura MDX Insurance Cost
Updated: January 29, 2026
Key Takeaways
GEICO offers the most affordable rates for Acura MDX insurance, with full coverage averaging $137 monthly. Premiums vary based on your model year and chosen company. Read more
SUVs cost more to insure due to higher repair costs and theft rates, placing the MDX at 106th out of 256 SUVs for affordability. This makes it middle-tier among SUVs but more expensive than average vehicles overall. Read more
Check rates for your MDX's model year to get accurate insurance costs. Read more.
How Much Is Acura MDX Insurance?
Costs vary by model year and company. Acura MDX minimum coverage ranges from $63 monthly with GEICO to $150 with UAIC, while full coverage spans $137 with GEICO to higher rates with other insurers.
Rate variations exceeding $87 for minimum coverage and $195 for full coverage demonstrate why MDX owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $105 | $217 |
| AIG | $133 | $332 |
| Allstate | $124 | $239 |
| Amica | $116 | $237 |
| Chubb | $126 | $249 |
| Farmers | $137 | $240 |
| Geico | $63 | $137 |
| Kemper | $97 | $199 |
| Nationwide | $95 | $165 |
| Progressive | $91 | $171 |
| State Farm | $89 | $185 |
| The Hartford | $99 | $169 |
| Travelers | $79 | $145 |
| UAIC | $150 | $188 |
Is Acura MDX Expensive to Insure?
SUVs like the Acura MDX require careful cost comparison to understand their insurance affordability. MoneyGeek compared Acura MDX costs to the other 256 SUVs in our rate database and found that it ranked 106th in affordability, meaning there are 105 SUVs that are cheaper to insure. It costs a few dollars per month more than a Cadillac SRX and a few dollars cheaper per month than a Buick Envista.
That's middle of the pack, but SUVs are expensive to insure overall. Of the 827 total cars in our database, the Acura MDX ranks 416th, placing it in the lower half for affordability across all vehicle types. By comparison, the cheapest SUV to insure is the Isuzu Amigo, while the most expensive is the Audi SQ8 e-tron.
| Acura ADX | $136 | 103 |
| Mazda CX-9 | $136 | 104 |
| Cadillac SRX | $136 | 105 |
| Acura MDX | $137 | 106 |
| Buick Envista | $138 | 107 |
| BMW X5 | $138 | 108 |
| Subaru Ascent | $138 | 109 |
Several factors affect what you'll pay for Acura MDX insurance:
- Average Repair or Replacement Costs: The Acura MDX ranks as the 7th most affordable model to maintain among Acura's nine vehicles, with repair costs averaging $953 annually, keeping maintenance expenses relatively manageable.
- Vehicle Trim, Features and Accessories: With horsepower ranging from 290 to 355, depending on trim level, the MDX's powerful performance capabilities directly impact insurance premiums. Higher-performance trims cost more to insure due to increased horsepower output.
- Driver Profile:Â Most Acura MDX drivers fall between 35 and 55 years old, with a median age of around 45. While this demographic enjoys lower rates due to higher income, the MDX's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Acura MDXs for young drivers.
Acura MDX Insurance Cost by State
Car insurance for an Acura MDX ranges from $37 monthly in Wyoming to $180 in Louisiana for minimum coverage, depending on your state. These dramatic differences reflect your area's risk characteristics and insurance regulations rather than anything about the vehicle itself.
| Alabama | $78 | $147 |
| Alaska | $66 | $140 |
| Arizona | $109 | $203 |
| Arkansas | $77 | $172 |
| California | $87 | $175 |
| Colorado | $89 | $212 |
| Connecticut | $126 | $217 |
| Delaware | $130 | $217 |
| Florida | $119 | $276 |
| Georgia | $137 | $227 |
| Hawaii | $48 | $108 |
| Idaho | $50 | $102 |
| Illinois | $83 | $156 |
| Indiana | $59 | $116 |
| Iowa | $53 | $128 |
| Kansas | $68 | $159 |
| Kentucky | $113 | $193 |
| Louisiana | $180 | $383 |
| Maine | $49 | $101 |
| Maryland | $142 | $240 |
| Massachusetts | $96 | $203 |
| Michigan | $149 | $287 |
| Minnesota | $77 | $160 |
| Mississippi | $83 | $164 |
| Missouri | $112 | $224 |
| Montana | $69 | $163 |
| Nebraska | $68 | $155 |
| Nevada | $165 | $299 |
| New Hampshire | $65 | $115 |
| New Jersey | $150 | $247 |
| New Mexico | $75 | $168 |
| New York | $112 | $201 |
| North Carolina | $75 | $148 |
| North Dakota | $58 | $126 |
| Ohio | $68 | $133 |
| Oklahoma | $87 | $194 |
| Oregon | $110 | $193 |
| Pennsylvania | $81 | $190 |
| Rhode Island | $113 | $202 |
| South Carolina | $93 | $174 |
| South Dakota | $50 | $155 |
| Tennessee | $72 | $146 |
| Texas | $117 | $239 |
| Utah | $99 | $168 |
| Vermont | $43 | $103 |
| Virginia | $87 | $142 |
| Washington | $83 | $154 |
| West Virginia | $80 | $164 |
| Wisconsin | $60 | $133 |
| Wyoming | $37 | $114 |
Acura MDX Costs by Model Year and Insurance Company
A 35- to 55-year-old driver pays around $195 monthly for full coverage on a 2015 Acura MDX compared to $243 for a 2025 model, showing how newer vehicles command higher premiums. Insurance costs for your Acura MDX may change greatly depending on your model year and by the age of the drivers on your policy. Young drivers in their teens and early twenties will pay much more to insure across all model years.
Travelers offers the lowest rates across all Acura MDX model years and could save certain drivers hundreds of dollars per month versus the average rate.Â
Older models (2015 to 2019):
Cost of Car Insurance for 2025 Acura MDX
| Geico | $85 | $185 |
| Travelers | $89 | $164 |
| National General | $90 | $185 |
| Nationwide | $95 | $164 |
| Progressive | $99 | $185 |
| State Farm | $106 | $222 |
| Kemper | $120 | $247 |
| AAA | $125 | $260 |
| The Hartford | $129 | $220 |
| Amica | $135 | $276 |
| Allstate | $148 | $285 |
| Chubb | $157 | $311 |
| AIG | $160 | $401 |
| UAIC | $180 | $227 |
| Farmers | $181 | $317 |
Cost of Car Insurance for 2024 Acura MDX
| Geico | $81 | $177 |
| Travelers | $85 | $157 |
| National General | $86 | $177 |
| Nationwide | $91 | $157 |
| Progressive | $94 | $177 |
| State Farm | $102 | $213 |
| Kemper | $115 | $237 |
| AAA | $120 | $249 |
| The Hartford | $124 | $211 |
| Amica | $129 | $264 |
| Allstate | $142 | $273 |
| Chubb | $150 | $297 |
| AIG | $153 | $383 |
| UAIC | $172 | $217 |
| Farmers | $173 | $303 |
Cost of Car Insurance for 2023 Acura MDX
| Geico | $63 | $138 |
| Travelers | $66 | $122 |
| National General | $67 | $137 |
| Nationwide | $71 | $122 |
| Progressive | $73 | $137 |
| State Farm | $79 | $165 |
| Kemper | $89 | $184 |
| AAA | $93 | $193 |
| The Hartford | $96 | $164 |
| Amica | $100 | $205 |
| Allstate | $110 | $212 |
| Chubb | $116 | $231 |
| AIG | $119 | $298 |
| UAIC | $134 | $169 |
| Farmers | $134 | $235 |
Cost of Car Insurance for 2022 Acura MDX
| Geico | $54 | $118 |
| Travelers | $56 | $104 |
| National General | $57 | $117 |
| Nationwide | $60 | $105 |
| Progressive | $63 | $117 |
| State Farm | $68 | $141 |
| Kemper | $76 | $157 |
| AAA | $80 | $165 |
| The Hartford | $82 | $140 |
| Amica | $86 | $176 |
| Allstate | $94 | $181 |
| Chubb | $100 | $198 |
| AIG | $102 | $255 |
| UAIC | $114 | $145 |
| Farmers | $115 | $201 |
Cost of Car Insurance for 2020 Acura MDX
| Geico | $61 | $133 |
| National General | $86 | $176 |
| Travelers | $87 | $161 |
| Progressive | $88 | $166 |
| State Farm | $95 | $199 |
| The Hartford | $105 | $178 |
| Kemper | $113 | $232 |
| Nationwide | $115 | $200 |
| AAA | $116 | $241 |
| Allstate | $132 | $255 |
| Amica | $133 | $273 |
| Chubb | $144 | $288 |
| Farmers | $147 | $259 |
| UAIC | $149 | $187 |
| AIG | $149 | $377 |
Cost of Car Insurance for 2019 Acura MDX
| Geico | $53 | $115 |
| National General | $74 | $151 |
| Travelers | $78 | $143 |
| Progressive | $85 | $159 |
| State Farm | $91 | $191 |
| Nationwide | $94 | $162 |
| The Hartford | $95 | $162 |
| Kemper | $97 | $197 |
| AAA | $102 | $212 |
| Allstate | $114 | $221 |
| Amica | $115 | $236 |
| Chubb | $128 | $255 |
| Farmers | $128 | $226 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
Cost of Car Insurance for 2018 Acura MDX
| Geico | $57 | $124 |
| National General | $75 | $153 |
| Travelers | $80 | $148 |
| Progressive | $96 | $179 |
| State Farm | $96 | $200 |
| Kemper | $97 | $198 |
| The Hartford | $98 | $168 |
| Nationwide | $100 | $173 |
| AAA | $108 | $224 |
| Amica | $116 | $239 |
| Allstate | $120 | $232 |
| Chubb | $128 | $254 |
| Farmers | $132 | $233 |
| AIG | $137 | $344 |
| UAIC | $143 | $179 |
Cost of Car Insurance for 2017 Acura MDX
| Geico | $71 | $153 |
| National General | $83 | $169 |
| Travelers | $91 | $168 |
| Kemper | $106 | $217 |
| State Farm | $112 | $233 |
| The Hartford | $113 | $192 |
| Nationwide | $123 | $213 |
| Progressive | $125 | $235 |
| AAA | $129 | $267 |
| Amica | $130 | $266 |
| Chubb | $137 | $272 |
| Allstate | $143 | $276 |
| Farmers | $152 | $267 |
| AIG | $159 | $394 |
| UAIC | $169 | $209 |
Cost of Car Insurance for 2016 Acura MDX
| Geico | $64 | $139 |
| National General | $75 | $153 |
| Travelers | $82 | $152 |
| Kemper | $96 | $196 |
| State Farm | $101 | $211 |
| The Hartford | $102 | $174 |
| Nationwide | $111 | $193 |
| Progressive | $113 | $212 |
| AAA | $117 | $242 |
| Amica | $117 | $241 |
| Chubb | $124 | $246 |
| Allstate | $130 | $250 |
| Farmers | $138 | $242 |
| AIG | $144 | $357 |
| UAIC | $153 | $190 |
Cost of Car Insurance for 2015 Acura MDX
| Geico | $58 | $127 |
| National General | $68 | $140 |
| Travelers | $75 | $139 |
| Kemper | $87 | $179 |
| State Farm | $92 | $192 |
| The Hartford | $93 | $158 |
| Nationwide | $101 | $176 |
| Progressive | $103 | $194 |
| AAA | $107 | $221 |
| Amica | $107 | $220 |
| Chubb | $113 | $224 |
| Allstate | $118 | $228 |
| Farmers | $126 | $221 |
| AIG | $131 | $326 |
| UAIC | $140 | $173 |
Acura MDX Insurance Cost by Trim
Insurance costs for your Acura MDX vary by trim, from $72 monthly for minimum coverage on Base W/Technology Pkg models to $262 for full coverage on Type S W/Advance Pkg variants. Performance features, rarity, and market value determine where each trim falls in this range.
| Base W/Technology Pkg Sport Utility 4d | $72 | $140 |
| Advance & Entertainment Pkgs Sport Utility 4d | $79 | $153 |
| Sh-Awd W/A-Spec Pkg Sport Utility 4d | $79 | $155 |
| Sport Utility 4d | $84 | $163 |
| Advance Pkg Sport Utility 4d | $85 | $165 |
| Type S Sport Utility 4d | $88 | $171 |
| Sh-Awd W/Advance & Entertainment Pkgs Sport Utility 4d | $88 | $172 |
| Technology Pkg Sport Utility 4d | $88 | $172 |
| Sh-Awd Sport Utility 4d | $89 | $173 |
| Sh-Awd W/Technology & A-Spec Pkgs Sport Utility 4d | $91 | $176 |
| Mdx | $91 | $178 |
| Type S W/Advance Pkg Sport Utility 4d | $93 | $181 |
| Sh-Awd W/Technology Pkg Sport Utility 4d | $93 | $181 |
| Sh-Awd W/Advance Pkg Sport Utility 4d | $94 | $183 |
| Sh-Awd | $96 | $187 |
| Touring Sport Utility 4d | $96 | $185 |
| Sh-Awd Pmc Edition Sport Utility 4d | $99 | $192 |
| Base W/Technology Pkg | $100 | $195 |
| Sh-Awd W/Technology & Entertainment Pkgs Sport Utility 4d | $101 | $196 |
| Sh-Awd W/Technology Pkg | $105 | $204 |
| Sh-Awd W/A-Spec Pkg | $111 | $215 |
| Sh-Awd W/Advance Pkg | $117 | $229 |
| Technology & Entertainment Pkgs Sport Utility 4d | $122 | $236 |
| Type S | $123 | $239 |
| Sh-Awd W/A-Spec Advanced Pkg | $124 | $242 |
| Type S W/Advance Pkg | $135 | $262 |
How to Lower the Cost of Acura MDX Insurance
We've compiled proven strategies that'll help you find better rates on your Acura MDX insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Acura MDX based on your ownership situation. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for luxury SUVs. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs for your vehicle class helps you identify genuine savings opportunities when comparing quotes from different insurers in your area.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes alone. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage options or slower customer service when you need assistance most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation and vehicle. Acura MDX owners qualify for safety features discounts, multi-vehicle savings, bundling discounts and good driver rewards. Many insurers also offer discounts for anti-theft systems, defensive driving courses and professional affiliations that can reduce your annual premiums.
- 5Consider alternative car insurance types
Acura MDX owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These plans track your driving habits and deliver premium reductions for safe behaviors. If you drive fewer miles annually, pay-per-mile options could provide substantial savings compared to traditional coverage.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting the best deal. Your current insurer doesn't notify you when competitors lower their prices, so regular comparisons could save up to 24% on your Acura MDX insurance. Set a calendar reminder to shop rates before your policy renewal date.
Acura MDX Insurance Cost: Bottom Line
Acura MDX insurance runs about average compared to other vehicles, though you can still secure decent rates. Compare quotes from multiple insurers and maximize available discounts to find your best pricing.
Acura MDX Insurance Rates: FAQ
What is the average cost of car insurance for a Acura MDX?
Insurance for an Acura MDX costs $1,116 annually for state minimum coverage and $2,165 yearly for full coverage. Monthly premiums average $93 for minimum and $180 for comprehensive protection.
What company has the cheapest car insurance for a Acura MDX?
GEICO provides the most affordable auto insurance for an Acura MDX at $755 annually for minimum coverage. Full coverage seekers also get the best rates with Geico at $1,639 per year.
Are Acura MDXs expensive to insure?
No, Acura MDX insurance is not more expensive than most vehicles. Among SUVs, this model places 106th out of 256 for affordability, while ranking 416th out of 827 across all vehicle types we track.
What factors affect insurance costs for Acura MDXs?
Multiple factors affect your Acura MDX insurance rates. Luxury parts make repairs more expensive, though advanced safety features help reduce accident risk. Your driving record, credit score, and coverage selections impact your premium, alongside the vehicle's moderate theft rates.
How can I lower Acura MDX insurance costs?
Compare quotes from multiple insurers since Acura MDX pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance, and maintain a clean driving record to secure better rates.
How We Determined Acura MDX Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Acura MDX insurance costs.
Who We Based These Rates On
These Acura MDX rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.