The Acura MDX is a mid-size luxury crossover SUV. It offers ample cargo and cabin space with its three-row design. No matter which specific model of MDX you drive, it needs to be protected with the right car insurance.
If you're ready to shop for Acura MDX insurance, an independent insurance agent can help you find the best car insurance policy. They'll get you matched to the coverage that provides affordability without sacrificing quality. But first, here's a breakdown of how much it costs to insure an Acura MDX by model year and top-rated insurance company in 2026.
Key Takeaways - Acura MDX Car Insurance
Acura MDX insurance costs average between $1,200 and $2,000 per year for full coverage in 2026.
Acura MDXs are, on average, cheaper to insure than many other popular luxury SUVs.
Nationwide, Progressive, and American Family are the cheapest carriers for 2025 Acura MDX insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Acura MDX model.
What Is Acura MDX Insurance?
Acura MDX insurance combines the standard protections included in a regular car insurance policy with custom coverages tailored to your Acura MDX. As a luxury SUV, your MDX may require more types of insurance than other vehicles in its class. Fortunately, Acura MDX insurance is fairly affordable.
Recommended coverage options for Acura MDX drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for an Acura MDX:
- Acura warranty insurance: This can extend Acura's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- 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.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Acura parts during the repair process.
- Gap insurance: If you have a new or financed Acura vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Most states require you to have at least minimum car insurance by law. A local independent insurance agent can help you satisfy local car insurance requirements and secure any additional coverage you need for your Acura MDX.
How Much Does Acura MDX Insurance Cost?
The average cost of full coverage car insurance for an Acura MDX in 2026 ranges from $1,200 to $2,000 per year. However, several factors can influence the cost of Acura insurance, including:
- The specific type of MDX you drive
- Your location
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your driving history
- Your claims history
An independent insurance agent can help you find cheap Acura MDX insurance near you.
Acura MDX Insurance Costs by Model Year
Next, we'll break down several model years of the Acura MDX and the insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Acura MDX | $1,966 |
| 2025 Acura MDX | $1,399 |
| 2024 Acura MDX | $1,397 |
| 2023 Acura MDX | $1,271 |
| 2022 Acura MDX | $888 |
| 2021 Acura MDX | $887 |
| 2020 Acura MDX | $921 |
| 2019 Acura MDX | $887 |
| 2018 Acura MDX | $914 |
| 2017 Acura MDX | $729 |
| 2016 Acura MDX | $587 |
| 2015 Acura MDX | $622 |
| 2014 Acura MDX | $579 |
| 2013 Acura MDX | $715 |
| 2012 Acura MDX | $518 |
| 2011 Acura MDX | $610 |
| 2010 Acura MDX | $621 |
Cheapest Acura MDX Car Insurance Companies for 2026
Some car insurance companies offer cheaper Acura MDX insurance rates than others. The following top-rated carriers offer the cheapest model-year 2025 Acura MDX car insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,597 |
| Nationwide | $1,705 |
| American Family | $1,716 |
| USAA | $1,943 |
| Erie | $2,096 |
| Allstate | $3,885 |
Acura MDX Car Insurance Rates by State and Driver Profile
The cost of Acura MDX insurance can vary widely depending on your location, credit, and driving record. Here are some average rates for Acura MDX car insurance by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,460 | $3,580 | $4,570 |
| Alaska | $2,050 | $2,830 | $2,750 |
| Arizona | $2,310 | $3,350 | $4,910 |
| Arkansas | $2,540 | $4,000 | $4,380 |
| California | $2,820 | $5,000 | $2,820 |
| Colorado | $2,630 | $3,700 | $4,670 |
| Connecticut | $3,370 | $5,200 | $6,620 |
| Delaware | $2,780 | $3,710 | $4,770 |
| Florida | $3,320 | $4,600 | $5,980 |
| Georgia | $2,700 | $4,040 | $4,070 |
| Hawaii | $1,080 | $1,470 | $1,080 |
| Idaho | $1,870 | $2,480 | $3,030 |
| Illinois | $1,960 | $2,970 | $3,380 |
| Indiana | $2,010 | $3,090 | $3,460 |
| Iowa | $1,600 | $2,190 | $2,580 |
| Kansas | $2,120 | $3,100 | $3,620 |
| Kentucky | $3,080 | $4,520 | $5,330 |
| Louisiana | $3,950 | $5,970 | $6,470 |
| Maine | $1,490 | $2,060 | $3,050 |
| Maryland | $2,420 | $3,520 | $3,910 |
| Massachusetts | $1,930 | $3,380 | $1,930 |
| Michigan | $4,680 | $7,120 | $11,240 |
| Minnesota | $1,920 | $2,570 | $3,610 |
| Mississippi | $2,320 | $3,320 | $3,340 |
| Missouri | $2,190 | $3,130 | $4,110 |
| Montana | $2,230 | $3,110 | $3,620 |
| Nebraska | $1,880 | $2,780 | $3,030 |
| Nevada | $3,100 | $4,600 | $4,860 |
| New Hampshire | $2,160 | $3,410 | $4,320 |
| New Jersey | $2,380 | $3,730 | $4,880 |
| New Mexico | $2,430 | $3,610 | $3,750 |
| New York | $2,250 | $2,830 | $4,730 |
| North Carolina | $1,400 | $2,400 | $1,710 |
| North Dakota | $1,900 | $2,900 | $3,430 |
| Ohio | $1,700 | $2,620 | $2,690 |
| Oklahoma | $2,710 | $3,900 | $4,380 |
| Oregon | $2,470 | $3,320 | $3,960 |
| Pennsylvania | $2,080 | $3,060 | $3,580 |
| Rhode Island | $3,480 | $5,100 | $5,740 |
| South Carolina | $2,360 | $3,270 | $4,520 |
| South Dakota | $2,120 | $3,050 | $3,520 |
| Tennessee | $2,490 | $3,670 | $4,890 |
| Texas | $2,510 | $3,630 | $4,510 |
| Utah | $2,140 | $3,000 | $4,120 |
| Vermont | $1,640 | $2,530 | $2,680 |
| Virginia | $1,550 | $2,380 | $2,340 |
| Washington | $2,050 | $2,780 | $3,320 |
| West Virginia | $2,060 | $2,950 | $3,700 |
| Wisconsin | $2,060 | $3,210 | $3,670 |
| Wyoming | $1,920 | $2,690 | $2,860 |
Average Acura MDX Insurance Rates by Age and Driver Profile
Car insurance prices for the Acura MDX can also vary considerably based on a driver's age. Here are some average Acura MDX insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,320 | $10,800 | $12,610 |
| 20 | $5,700 | $8,290 | $9,800 |
| 25 | $3,300 | $4,850 | $5,700 |
| 30 | $2,600 | $3,800 | $4,450 |
| 35 | $2,400 | $3,550 | $4,150 |
| 40 | $2,330 | $3,400 | $4,000 |
| 45 | $2,300 | $3,300 | $3,900 |
| 55 | $2,090 | $3,050 | $3,600 |
| 65 | $2,150 | $3,200 | $3,700 |
Best Acura MDX Insurance Discounts: How to Lower Your Acura MDX Insurance Premiums
Many car insurance carriers offer several Acura MDX coverage discounts you can take advantage of. There are also a few easy steps you can take to potentially reduce your Acura MDX insurance rates, such as the following.
- Ask about Acura MDX insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Acura MDX insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about telematics programs: Your insurance company or Acura may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Acura MDX insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest Acura MDX policies in your area and also help you possibly lower your costs even further.
An Independent Insurance Agent Can Help You Get the Best Acura MDX Insurance Quotes
Working together with a local independent insurance agent is a great way to save as much money as possible on car insurance for your Acura MDX. These agents shop and compare quotes from many different local car insurance carriers for you, then present you with only the results that offer the best blend of coverage and cost. Better yet, down the road, they're available to help you file claims and update your coverage, too.
FAQs About Acura MDX Insurance
How much does Acura MDX insurance cost?
The average cost of Acura MDX insurance ranges from $1,200 to $2,000 per year for full coverage. Your policy's costs may vary based on the specific type of MDX you drive and other factors.
What factors affect Acura MDX insurance rates?
Several factors can influence Acura MDX insurance costs, including your driving history, age, location, coverage needs, and more.
Are Acuras expensive to insure?
Compared to many other car brands, yes, Acuras can be expensive to insure. However, the MDX's insurance rates are actually lower, on average, than those for many other luxury SUVs.
What are the best carriers for Acura MDX insurance?
We found that Progressive, Nationwide, and American Family are the best and cheapest car insurance companies for model-year 2025 Acura MDX insurance this year.
Sources
https://www.insuranceopedia.com/auto-insurance/acura-mdx-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/acura/mdx/