Acura debuted its first model in the U.S. in 1986, and over the years, the brand has developed a reputation for producing high-quality, luxurious vehicles that feature some of the most advanced safety features and interior amenities. Regardless of the Acura model you drive, it needs to be protected by the right coverage. Our Acura car insurance guide breaks down cost, coverage, and your best insurance options.
An independent insurance agent can help you find the right car insurance policy for your Acura. They'll get you matched to the policy that's right for you. But for starters, here's a breakdown of Acura insurance costs by model.
Key Takeaways - Acura Car Insurance
Acura insurance costs an average of $2,095 per year, or approximately $175 per month.
Acura insurance refers to a car insurance policy specifically designed to cover this luxury vehicle brand, often including many of the same coverages as standard auto policies.
Acura is actually less expensive to insure and maintain, on average, than most other luxury car brands.
The Acura NSX is the most expensive model to insure of those we compared, costing an average of $5,680 per year, or approximately $473 per month.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Acura model.
What Is Acura Insurance?
Acura insurance is a specific type of car insurance policy tailored to owners of Acura vehicles. However, you'll likely find many of the same types of coverage in an Acura insurance policy as you would in a standard auto policy.
Recommended coverage options for Acura drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses related to bodily injury or personal property damage you cause to third parties with your vehicle.
- Uninsured/underinsured motorist insurance: This covers expenses after an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if you break down on the side of the road.
- Medical payments coverage: This covers the cost of your injuries and injuries to your passengers after an accident, regardless of fault.
- Personal injury protection: This covers the cost of your injuries and injuries to your passengers, as well as lost wages after an accident, regardless of fault.
Depending on your location, some of these types of coverage may be required by law. An independent insurance agent can help you build a complete Acura auto insurance policy.
How Much Does Acura Insurance Cost?
Many Acura owners pay an average of $2,095 per year, or approximately $175 per month, for car insurance. Acura car insurance rates can be influenced by many factors, including the car model, your location, driving record, and the vehicle's safety features. The cost to insure an Acura can be considerably higher than that of a non-luxury vehicle, but Acura insurance rates are still cheaper, on average, than those of other luxury brands, including Lexus, Infiniti, and Audi.
Acura Insurance Costs by Popular Models
Your Acura's model can heavily impact car insurance rates. Depending on the type of Acura you buy, your Acura car insurance price may be completely different from that of a similar model. We've compared average rates for just a handful of popular Acuras to provide a range of car insurance costs.
| Model | Average Annual Car Insurance Cost | Average Monthly Car Insurance Cost |
|---|---|---|
| Acura RDX | $1,702 | $142 |
| Acura MDX | $1,856 | $155 |
| Acura TLX | $2,196 | $183 |
| Acura Integra | $2,600 | $217 |
| Acura NSX | $5,680 | $473 |
Acura MDX insurance costs are slightly more expensive than Acura RDX insurance rates, yet considerably cheaper than Acura TLX insurance. No matter which model of Acura you drive, an independent insurance agent in your town can help you find the best possible price for Acura car insurance.
Are Acuras Expensive to Insure Compared to Other Brands?
No, Acuras tend to be less expensive, on average, to insure than other popular luxury car brands. The manufacturer's reputation for reliability and safety favorably impacts Acura car insurance rates when compared to brands such as Lexus, BMW, Audi, and Infiniti.
Acura's true cost of ownership vs. other luxury brands
Overall, Acuras tend to have a much lower cost of ownership score than most of these brands, as well. This score factors in the cost of maintenance and repairs over a set number of years. The table below compares the cost of Acura ownership to other luxury brands.
| Car Brand | 10-Year Maintenance and Repair Costs |
|---|---|
| Lexus | $7,400 |
| Acura | $7,725 |
| Infiniti | $10,020 |
| BMW | $11,000 |
| Audi | $11,350 |
What Other Factors Affect Acura Insurance Rates?
Acura car insurance premium rates are influenced by many different factors, including your claims and driving history. Besides the vehicle make and model, these factors impact car insurance costs:
- Driver age, gender, and marital status
- Driver accident history
- Annual mileage
- Location
- Coverage types and amounts chosen
- Deductible amounts chosen
- Repair costs and parts availability
- Vehicle theft rates
Acura's advanced safety systems, such as AcuraWatch and crash mitigation braking, can help reduce the brand's car insurance rates by granting you an Acura safety features discount.
The auto insurance company you choose also influences the cost of coverage. Bundling your auto coverage with another type of coverage, such as home insurance, through the same carrier can often help you earn car insurance discounts on both. An independent insurance agent can easily assist you in finding the right coverage for your Acura at an affordable rate.
Add-On Protections Worth Considering for Your Acura
Your Acura car insurance policy might not be complete without adding more types of coverage beyond the standard recommendations. Talk with your agent about adding some or all of the following to your Acura auto policy:
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Acura parts during the repair process. Acura OEM parts insurance is essential for maintaining the integrity of luxury repairs.
- Gap insurance for new or financed Acuras: This can cover the gap between the amount still owed on a loan or lease for a new vehicle and what your insurance pays out for your car after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Acura extended warranty insurance: This can extend your Acura's manufacturer warranty to cover future repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid facing higher car insurance premiums after you get into an accident.
An independent insurance agent can help you add any additional coverage you desire to your Acura insurance policy.
Best Car Insurance Companies for Acura Owners
When you're ready to insure your Acura, it's best to focus on insurers that are known for offering robust OEM parts coverage and that have a reputation for providing affordable, yet dependable protection for luxury imports. Here are some of our top recommendations for the best Acura auto insurance companies.
| Car Insurance Company | Star Rating |
|---|---|
| Progressive |
|
| Nationwide |
|
| Travelers |
|
| USAA |
|
| American Family |
|
How to Save Money on Acura Insurance
Though Acura insurance rates aren't as expensive as many other luxury brands', there are still ways you can reduce your premiums.
- Compare quotes from multiple insurers: It's helpful to shop and compare policy options and quotes from several car insurance companies to find the cheapest Acura insurance. An independent insurance agent can do this for you.
- Ask about safety features discounts: Acura is known for providing many safety features in its vehicles. If your specific model has any safety features, you could earn a sizeable discount on your auto premiums.
- Increase your deductible: Choosing a higher deductible amount for your auto policy could lead to lower premium rates. However, be aware that you'll have to pay more out of pocket if you need to file a claim.
- Ask about telematics programs: You might be able to sign up for usage-based or driver habit tracking telematics programs through Acura or your insurance company, which could lead to savings.
- Work with an independent insurance agent: These agents have access to multiple Acura insurance discounts, including those for loyalty, multi-driver, and multi-vehicle savings.
A local independent insurance agent knows where to find affordable Acura insurance that offers the best discounts and savings options.
An Independent Insurance Agent Can Help You Get the Best Acura Insurance Quotes
Working together with an independent insurance agent can be your best bet at saving the most money possible on Acura insurance. An independent insurance agent can shop and compare policies from many different local Acura car insurance carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring those rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Acura Insurance
Why is Acura insurance so expensive?
Acura insurance is more expensive than coverage for other car brands because luxury cars are more valuable and have more expensive parts. However, Acura's insurance rates are cheaper than most other luxury brands, such as BMW and Infiniti.
What's the cheapest Acura model to insure?
We found that the Acura RDX is the cheapest model to insure of those we compared, at an average cost of $1,702 annually, or approximately $142 per month.
Is Acura considered a luxury brand for insurance?
Yes, Acura is considered a luxury car brand by insurance companies. As such, policies often come with higher rates than for other, non-luxury vehicles.
Are Acura repairs expensive for insurers?
Yes, Acura repairs can be expensive for insurance companies, leading to higher policy rates than for non-luxury vehicles. However, Acura's repairs cost less, on average, than many other luxury brands, including Audi, Infiniti, and BMW.
Do Acura safety features lower insurance rates?
Yes, Acura's safety features can lead to lower insurance premiums. The brand's reputation for quality and safety contributes to its lower average rates than many other luxury brands'.
Sources
https://www.thezebra.com/auto-insurance/vehicles/acura/
https://www.consumerreports.org/cars/car-maintenance/the-cost-of-car-ownership-a1854979198/
https://clearsurance.com/blog/best-car-insurance-companies-for-acuras