Compare Acura Car Insurance Rates

The Japanese automotive luxury brand, Acura, was first introduced in the United States in 1986. Since then, the company has become known for its quality vehicles, including the Legend, NSX, and MDX. As the performance division of Honda, Acura has developed a similar reputation for its precision-crafted vehicles that also prioritize safety. 

The company holds several distinctions, including being the first to create in-dash navigation, the first to incorporate multi-valve engines throughout its vehicles, and the first to debut all-aluminum vehicle construction. 

Whether you’re planning to buy your first Acura or want to find a new car insurance company for your current vehicle, understanding Acura car insurance rates can help you to make the decision that’s best for you. Multiple factors can affect your car insurance rates, but that also means that you have some control as you strive to keep your rates as low as possible. 

That’s why it’s best to get a personalized insurance from several insurance companies to see who can offer you the best coverage. We’ll do you one better. Enter your zip code so we can help you compare insurance rates from over 60 companies.

Cost of Acura Insurance

The average cost of insuring a vehicle in the United States is $106 per month. Acura insurance costs are slightly higher, averaging $118 per month. This indicates that it costs an average of 11% more to insure an Acura than it does to insure most other types of cars. 

Remember that those are just average costs, and the quotes that you receive could be higher or lower than $118 per month. Many factors contribute to your car insurance rates, and understanding those factors can help you to find the policy that offers the best value. 

Acura Car Insurance Rates by Model

CL	ILX	Integra
Legend	MDX	NSX
RDX	RL	RLX
RSX	TL	TLX
TSX

While Acura car insurance might average $118 per month, those rates will vary depending on the model of your vehicle. More expensive Acura models will naturally cost more to insure, while less expensive models may come in below that $118 price point. If you’re thinking of buying an Acura but haven’t yet decided which model is right for you, you might want to consider how your model choice can affect your car insurance rates. 

Here are the average monthly premiums for some of the most popular Acura models. 

MDX 

With room for six to seven people, the Acura MDX is an excellent choice for busy families. It’s available in a gas or sport hybrid version, and offers plenty of space for gear. This compact SUV is also capable of light towing. MDX monthly insurance premiums average $118.

TL 

Acura TL production was discontinued in 2014, but there are still many available in the used car market. This luxury sedan is powered by a V-6 engine and is available in front- or all-wheel drive models. It costs an average of $117 per month to insure. 

TSX 

The Acura TSX is a luxury vehicle ideal for families. It was manufactured through 2014 and was available as a wagon or sedan. The vehicle came equipped with many high-end features, and was offered in manual and automatic options. Insuring the TSX costs an average of $122 per month. 

ILX 

The Acura ILX is a luxury sedan with seating for five. It features a sporty look and a 201-horsepower four-cylinder engine for plenty of power. The eight-speed dual-clutch automatic transmission gives the driver optimal control. Plan to spend about $179 per month insuring the ILX. 

RDX 

A sporty and agile SUV, the Acura RDX offers decent fuel economy, thanks to the turbocharged four-cylinder engine that comes standard. It’s equipped with a 10-speed automatic transmission, and it offers seating for five. Insurance premiums for this model average $132 per month. 

TLX 

With its five seats and luxurious build, the Acura TLX is a top choice for families. This sedan is available in a four- and six-cylinder engine, and both are turbocharged for optimal power. TLX insurance prices average $179 per month. 

Integra 

The Acura Integra was a popular model that was produced until 2001. It was available as a coupe or sedan and was one of the more economical vehicles that Acura manufactured. Insuring the Integra today will cost an average of $81 per month. 

RSX 

An entry-level sports Coupe, the Acura RSX was manufactured until 2006. It was available in manual and automatic options and looked like it was ready for racing. Insurance costs an average of $98 per month for the RSX.

RL 

The Acura RL was last produced in 2012. This luxury sedan came standard with all-wheel drive and was a six-speed automatic. Insurance premiums average $92 per month. 

Acura Car Insurance Rates by Insurance Company

Car insurance companies use algorithms to calculate your rates and monthly premium, and those algorithms vary from company to company. As a result, you could receive different quotes for the same exact vehicle from different companies, and your car insurance prices can vary significantly. Coverage limits and deductibles can also affect the prices that you’ll pay. 

We’ve included Acura car insurance quotes from five different insurance companies below to give you a sense of just how much those quotes can vary. 

Across the five insurance companies above, monthly premiums vary by more than $30. During the span of a year, that could amount to a difference of more than $360, depending on the insurance company that you choose. 

At $63 per month, Commonwealth Casualty has the lowest premiums by far. Mercury comes in next at $81 per month, which is $18 more than Commonwealth Casualty. 

Mercury, Mile Auto, and Clearcover all have monthly premiums in the $81 to $89 range. However, Gainsco comes in well above all of the other quotes, at $94 per month. 

In the case of Acura car insurance, taking the time to get quotes from these five companies could help you to save nearly $400 per year on your car insurance. That’s time well spent, and a site like Compare.com makes it easy and fast to gather multiple quotes from different companies so you can find the best deal. 

Acura Features That Impact Insurance Cost

While your vehicle model can affect your insurance premiums, auto insurance companies also consider many other factors to calculate your costs. Being aware of everything that goes into your insurance costs can help you to keep your premiums at a minimum. 

Model Trim: Most Acura vehicles are available in multiple trims, including a base trim. That base trim usually includes standard features and engine components, while upgrading to a higher trim level will get you larger engines, luxury features, and aesthetic enhancements. Those higher trim models have higher prices, so your insurance premiums will increase, too. 

Safety Equipment: Safety equipment, like collision prevention systems, anti-theft devices, and airbags, help to minimize the risk of accidents and the severity of the damage that could occur during accidents. Many car insurance companies will give you discounts when your vehicle is equipped with these devices. 

Vehicle Age: Older vehicles that have depreciated in value are more affordable to replace. Insuring an older Acura will cost less than if you were to insure a newer vehicle of that same model. 

Size of Your Auto Loan: If you’re buying a new or pre-owned Acura but will be taking out a large auto loan to complete the sale, you’ll likely need to buy gap insurance. Gap insurance ensures that you won’t be left paying on an auto loan for a vehicle that’s been totaled in an accident, but this extra policy can increase your insurance costs until you pay down that loan. 

If you’re shopping for a new car, consider all of these factors, especially if you haven’t yet decided on the model that you want. Buying a used car that’s still equipped with safety features will often save you money over the cost of buying a new car with an upgraded trim level. 

The best way to know just how much these safety features will save you is to compare the insurance rates of different companies. You can get started by entering your zip code below.

Strategies to Keep Your Acura Car Insurance Costs Down

Some elements of your car insurance costs are well within your control. Taking the following actions can help to reduce your monthly premiums. 

Carefully Choose Your Policy: The type of the coverage that you take out on your Acura will also affect your premiums. Combining multiple policies will give you better coverage and increased peace of mind, but at a higher monthly cost. Don’t forget that the limits and deductibles on each policy also affect what you’ll pay monthly. If you agree to a higher deductible, you’ll pay less monthly, but if you ever need to file a claim, you’ll be responsible for that larger payment. 

Improve Your Driving History: If you have a history of at-fault accidents or speeding tickets, an insurance company will view you as a higher risk driver and increase your policy costs to account for that increased risk. Focusing on good driving and obeying traffic laws can help to improve your history and reduce your rates. 

Improve Your Credit Score: Some insurance companies consider having a poor credit score to be an indicator of a high-risk driver, so you might pay more because you have bad credit. Improving your credit takes time, but focus on making all of your payments on time and using as little of your available credit as possible to improve your score. 

Take Advantage of Car Insurance Discounts

If you already have an Acura or want to splurge on a more expensive model, you can still keep your car insurance rates down by looking for discounts. As you compare quotes from different companies, be sure to also look into the discounts that each company offers, since these can quickly add up. 

Multi-Vehicle and Multi-Policy Discounts: When you insure multiple vehicles at the same company, or take out multiple types of insurance, like renters or homeowners insurance, you may qualify for discounts on your auto insurance. 

Low-Mileage Discounts: If you drive minimally, you might be eligible for a discount because of the decreased risk that comes with spending less time on the road. An insurance company might track your driving with an app for a period, or go off of your odometer readings to determine if you qualify for this discount. 

Good Driver Discounts: Some insurance companies offer discounts for maintaining a clean driving record, or they might ask you to track your driving habits with a smartphone app. Demonstrating safe driving habits can earn you a discount on your premiums, since the insurance company will see you as less of a risk to insure. 

These are just a few of the discounts that insurance companies often offer. If you qualify for multiple discounts, you could reduce your policy cost and save money on your Acura insurance. 

FAQs About Acura Car Insurance

Are Acura cars more expensive to insure?

Insuring an Acura costs an average of 11% more than what you’ll pay to insure another type of vehicle. Those higher premiums are due to the fact that Acuras are luxury vehicles with higher base costs than other makes. The higher cost of replacement parts can also factor into the increased cost of insurance. 

Does Acura have their own car insurance?

Acura does not currently offer their own traditional car insurance, but the company does offer gap insurance. The Acura Care GAP coverage will pay the difference of what you owe on your auto loan and what your car insurance covers if your vehicle is ever stolen or totaled. If you have a large car loan, you’ll need to budget for gap insurance.

How much does Acura insurance cost?

Acura insurance premiums will vary depending on the model and age of the vehicle you drive, the insurance company you choose, and the type of coverage you select. There are many other factors that can affect your premiums, too, including your driving history and any discounts you may be eligible for. 

Since insurance premiums vary between insurance companies, it’s important to request quotes from multiple companies to ensure that you’re getting the best deal. Compare.com can make this easy, allowing you to receive up to 65 quotes at a time. Get started with Compare.com to find the insurance company and policy that’s best for your needs.