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
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?
Calculate Acura MDX Car Insurance by State and Coverage Level
Select your state and coverage level to view average auto insurance premiums in your area, specific to your vehicle. Rates are calculated based on a driver profile age 40, good credit, and a clean driving history.
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Model year and company both affect the number. Minimum coverage on an Acura MDX runs as low as $63 a month with GEICO and climbs to $150 with UAIC. Full coverage starts at $137 with GEICO and moves higher with other insurers from there.
An $87 gap on minimum coverage and a $195 gap on full coverage make the case for shopping around on their own. Every insurer has its own risk calculations for this model, resulting in the 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?
257 SUVs arew in MoneyGeek's rate database, and the Acura MDX lands at 106th among them, which puts 105 SUVs ahead of it on price. A few dollars a month separate it in both directions: a bit more than a Cadillac SRX, a bit less than a Buick Envista.
Middle of the pack for SUVs still means expensive overall. Stack the MDX against all 827 vehicles in the database and it drops to 416th, landing it in the lower half for affordability across every vehicle type MoneyGeek tracks. The cheapest SUV in that same database is the Isuzu Amigo. 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 |
Three things move what an Acura MDX costs to insure:
- Average repair or replacement costs: $953 a year in average repair costs keeps maintenance manageable, and that's the seventh most affordable spot among Acura's nine models.
- Vehicle trim, features and accessories: 290 to 355 horsepower, depending on trim, is the range that pushes premiums up. The more horsepower a trim carries, the more it costs to insure.
- Driver profile: 35 to 55 years old, median around 45, describes most MDX drivers. Higher income in that demographic pulls rates down, but the MDX's performance reputation pulls the other way, and insurers price in the risk-taking behavior that reputation invites. 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.
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 |
Does Upgrading Your Trim Increase Acura MDX Insurance Costs?
If two trims are already close in price and you're on the fence, the insurance difference could tip the scales.
Moving from a Base trim to an SH-AWD adds around $25 a month — roughly $300 a year — which won't move the needle much. Step up to a Type S, and you're looking at an extra $65 a month, or $780 a year, on top of the higher sticker price.
If you've already decided on a Type S, factor in the extra annual cost into your budget before you sign.
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
Ownership situation decides how much coverage to buy for an Acura MDX. Owning the vehicle outright opens the door to state minimum liability plus comprehensive and collision at a $1,000 deductible, which keeps premiums lower. Enhanced protection means moving to 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing takes that same 100/300/100 setup and adds gap insurance on top, still at the $500 deductible.
- 2Research costs and cheap companies
Average auto insurance costs for luxury SUVs set the benchmark for what a fair MDX quote looks like. That number is also what makes shopping for cheapest car insurance companies worthwhile, since a quote only reads as a deal or a ripoff once the typical cost for this vehicle class is known. Local quotes get compared against that baseline, not against a guess.
- 3Look for more than just low rates
A quote alone doesn't guarantee car insurance quality. J.D. Power satisfaction ratings, forum feedback on how claims actually get handled, Better Business Bureau complaints, and AM Best's financial stability rating round out the picture.
- 4Explore discounts you qualify for
Car insurance discounts that fit an MDX owner's actual situation are worth looking up. Safety features, multiple vehicles, bundling, and a clean driving record all qualify on their own. Anti-theft systems, defensive driving courses, and professional affiliations open up further discounts at many insurers, and any one of them can chip away at the annual premium.
- 5Consider alternative car insurance types
Usage-based insurance programs like Progressive Snapshot or Allstate Drivewise track actual driving habits and cut premiums for safe behavior behind the wheel. Fewer miles driven each year tips the math further in favor of pay-per-mile, which can beat traditional coverage by a wide margin for a low-mileage MDX owner.
- 6Check rates every year
Nobody's current insurer calls to say a competitor dropped its prices. Car insurance quotes from multiple companies, gathered once a year, are what actually catches that. A calendar reminder set for renewal time is the easiest way to make the comparison a habit instead of a one-time thing.
Acura MDX Insurance Cost: Bottom Line
Acura MDX insurance is average compared to other vehicles. Decent rates are still very much on the table. Quotes from multiple insurers, stacked against every available discount, are what gets to the best price.
Acura MDX Insurance Rates: FAQ
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.
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.
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.
Luxury parts push repair costs up. Advanced safety features pull accident risk back down. Between those two, driving record, credit score and coverage selections do the rest of the work in setting the premium, alongside the vehicle's moderate theft rate.
Pricing swings enough between companies that comparing quotes from multiple insurers is worth the time on its own. Usage-based programs that track driving behavior add another lever. Available discounts, a bundled home or renters policy and a clean driving record round out the rest of what actually moves the rate down.
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.
An average driver profile sets the baseline for these rates:
- Age 40, unmarried male
- Clean record, no tickets or crashes
- A credit score in a good range
- No insurance claims on record
- About 12,000 miles a year on the odometer
- A valid license with no suspensions
Coverage Definitions
- Minimum coverage: state-required liability limits
- Full coverage: 100/300/100 liability plus comprehensive and collision, with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.