The Acura RDX is a subcompact luxury crossover SUV. Thanks to its 272-HP turbocharged 2.0-liter four-cylinder engine and all-wheel drive, it blends power with a smooth ride. However, no matter what model of RDX you drive, it needs to be protected with the right car insurance.
If you're ready to shop for Acura RDX insurance, an independent insurance agent can help you find the best coverage. They know which carriers offer quality Acura RDX insurance at a great rate in your area. But first, here's a closer look at how much it costs to insure an Acura RDX by model year and top-rated insurance company in 2026.
Key Takeaways - Acura RDX Car Insurance
Acura RDX insurance costs an average of $2,083 per year, or approximately $174 per month, for full coverage in 2026.
Nationwide, Progressive, and American Family are the cheapest carriers for model-year 2025 Acura RDX insurance this year.
Acura RDXs are, on average, cheaper to insure than many other popular luxury SUVs and other Acura vehicles.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Acura RDX model.
What Is Acura RDX Insurance?
Acura RDX insurance begins with a standard car insurance policy and finishes with custom coverages tailored to this unique vehicle. Since the RDX is a luxury SUV, it needs more protection than other vehicles in its class. Luckily, Acura RDX insurance premiums are actually more affordable than those for other Acura models and other SUVs.
Recommended coverage options for Acura RDX drivers:
- 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.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- 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.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for an Acura RDX:
- Acura warranty insurance: This can extend Acura's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- 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.
- 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.
You're likely required by law to carry at least a minimum car insurance policy in your state to avoid penalties like fines and more. A local independent insurance agent can help you satisfy your state's Acura RDX insurance requirements.
How Much Does Acura RDX Insurance Cost?
The average cost of full coverage car insurance for an Acura RDX in 2026 is $2,083 per year, or approximately $174 per month. However, several factors can influence the cost of Acura insurance, including:
- The specific type of RDX you drive
- The types and amount of coverage you need
- Your driving history
- Your location
- Your credit score (where allowed)
- Your claims history
An independent insurance agent can help you find the most affordable Acura RDX insurance in your town.
Is the Acura RDX Expensive to Insure Compared to Other Models?
No, the Acura RDX is actually cheaper to insure than other models by Acura. In fact, the RDX is actually cheaper to insure, on average, than all other vehicle brands in its class.
| Car | Average Monthly Cost of Full Coverage |
| Acura RDX | $167 |
| Other Vehicle Brands | $175 |
| Other Acura Vehicles | $183 |
Acura RDX Insurance Costs by Model Year
Next, we'll break down several model years of the Acura RDX and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Acura RDX | $1,699 |
| 2025 Acura RDX | $1,965 |
| 2024 Acura RDX | $1,913 |
| 2023 Acura RDX | $1,095 |
| 2022 Acura RDX | $851 |
| 2021 Acura RDX | $981 |
| 2020 Acura RDX | $833 |
| 2019 Acura RDX | $741 |
| 2018 Acura RDX | $691 |
| 2017 Acura RDX | $704 |
| 2016 Acura RDX | $741 |
| 2015 Acura RDX | $643 |
| 2014 Acura RDX | $646 |
| 2013 Acura RDX | $516 |
| 2012 Acura RDX | $748 |
| 2011 Acura RDX | $697 |
| 2010 Acura RDX | $720 |
Cheapest Acura RDX Car Insurance Companies for 2026
You can find cheap Acura RDX insurance from some top-rated carriers near you if you know where to start looking. These outstanding carriers offer the cheapest model-year 2025 Acura RDX car insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $1,506 |
| Progressive | $1,530 |
| American Family | $1,646 |
| Erie | $1,807 |
| USAA | $1,984 |
| Allstate | $3,470 |
Acura RDX Car Insurance Rates by State and Driver Profile
Acura RDX insurance prices can vary quite a bit depending on your location and driving record. Depending on where you live, your credit score may also impact your coverage premiums. Here are some average rates for Acura RDX car insurance by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $1,734 | $2,523 | $3,198 |
| Alaska | $1,435 | $2,002 | $1,946 |
| Arizona | $1,620 | $2,357 | $3,462 |
| Arkansas | $1,793 | $2,778 | $3,082 |
| California | $1,963 | $3,488 | $1,989 |
| Colorado | $1,857 | $2,570 | $3,302 |
| Connecticut | $2,346 | $3,673 | $4,656 |
| Delaware | $1,945 | $2,605 | $3,358 |
| Florida | $2,314 | $3,224 | $4,216 |
| Georgia | $1,915 | $2,830 | $2,864 |
| Hawaii | $767 | $1,024 | $744 |
| Idaho | $1,325 | $1,727 | $2,135 |
| Illinois | $1,389 | $2,090 | $2,391 |
| Indiana | $1,437 | $2,149 | $2,431 |
| Iowa | $1,113 | $1,546 | $1,823 |
| Kansas | $1,474 | $2,169 | $2,544 |
| Kentucky | $2,160 | $3,152 | $3,744 |
| Louisiana | $2,757 | $4,172 | $4,561 |
| Maine | $1,047 | $1,461 | $2,123 |
| Maryland | $1,694 | $2,461 | $2,723 |
| Massachusetts | $1,374 | $2,364 | $1,368 |
| Michigan | $3,277 | $4,995 | $7,879 |
| Minnesota | $1,357 | $1,782 | $2,528 |
| Mississippi | $1,633 | $2,311 | $2,343 |
| Missouri | $1,524 | $2,213 | $2,895 |
| Montana | $1,565 | $2,180 | $2,525 |
| Nebraska | $1,332 | $1,971 | $2,121 |
| Nevada | $2,193 | $3,222 | $3,420 |
| New Hampshire | $1,497 | $2,378 | $3,020 |
| New Jersey | $1,688 | $2,628 | $3,422 |
| New Mexico | $1,701 | $2,556 | $2,635 |
| New York | $1,588 | $1,989 | $3,324 |
| North Carolina | $998 | $1,682 | $1,205 |
| North Dakota | $1,347 | $2,043 | $2,396 |
| Ohio | $1,186 | $1,843 | $1,870 |
| Oklahoma | $1,918 | $2,738 | $3,060 |
| Oregon | $1,721 | $2,347 | $2,779 |
| Pennsylvania | $1,482 | $2,154 | $2,522 |
| Rhode Island | $2,444 | $3,568 | $4,017 |
| South Carolina | $1,668 | $2,278 | $3,153 |
| South Dakota | $1,497 | $2,123 | $2,468 |
| Tennessee | $1,767 | $2,562 | $3,440 |
| Texas | $1,752 | $2,529 | $3,184 |
| Utah | $1,496 | $2,100 | $2,889 |
| Vermont | $1,168 | $1,780 | $1,886 |
| Virginia | $1,099 | $1,677 | $1,615 |
| Washington | $1,451 | $1,968 | $2,329 |
| West Virginia | $1,441 | $2,055 | $2,599 |
| Wisconsin | $1,460 | $2,248 | $2,552 |
| Wyoming | $1,350 | $1,901 | $2,002 |
Average Acura RDX Insurance Rates by Age and Driver Profile
Your age can also greatly impact the cost of your Acura RDX insurance. Here are some average Acura RDX insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,795 | $9,953 | $11,645 |
| 20 | $5,292 | $7,735 | $9,045 |
| 25 | $3,096 | $4,527 | $5,285 |
| 30 | $2,402 | $3,511 | $4,082 |
| 35 | $2,202 | $3,248 | $3,840 |
| 40 | $2,150 | $3,167 | $3,700 |
| 45 | $2,094 | $3,037 | $3,600 |
| 55 | $1,920 | $2,800 | $3,354 |
| 65 | $2,019 | $2,947 | $3,434 |
Best Acura RDX Insurance Discounts: How to Lower Your Acura RDX Insurance Premiums
Acura RDX insurance is already fairly affordable, but there are ways you can reduce your premiums even further. Follow any of these tips to potentially lower your Acura RDX insurance rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Acura RDX insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Acura RDX insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about Acura RDX 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.
- 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.
When you work with an independent insurance agent, you'll automatically be matched to the best Acura RDX insurance rates in your area. Your agent can also help you apply any car insurance discounts you qualify for and recommend additional ways you can reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Acura RDX Insurance Quotes
When it's time to find the most affordable Acura RDX insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Acura RDX insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates 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 RDX Insurance
How much does Acura RDX insurance cost?
The average cost of Acura RDX insurance is $2,083 per year, or approximately $174 per month, for full coverage. The cost of your policy can vary depending on your age, location, and other factors.
What factors affect Acura RDX insurance rates?
Several factors can impact Acura RDX insurance costs, including your specific vehicle model year, 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 RDX's insurance rates are actually lower, on average, than those for many other luxury SUVs.
What are the best carriers for Acura RDX insurance?
We found that Nationwide, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Acura RDX insurance this year.
Is the Acura RDX expensive to insure compared to other Acura models?
No, the Acura RDX is actually cheaper to insure than other Acura models.
Sources
https://www.insuranceopedia.com/auto-insurance/acura-rdx-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/acura/rdx/
https://www.caranddriver.com/acura/rdx