Acura NSX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Acura NSX is more expensive to insure than the average car.
• Liability only car insurance rates for a NSX run around $68 monthly, while full coverage usually averages about $320.
• TSC is the most affordable auto insurance carrier for a NSX.

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NSX Overview

The Acura NSX is a high-end car on the more expensive end of the spectrum, with base prices starting at $157,500 for 2020 models.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Acura NSX car insurance prices average out to around $307 a month. But compared to other vehicles in the market, are NSX insurance premiums higher or lower than those of similar cars?

How Much is Car Insurance for an Acura NSX?

Looking at the table above, you'll find that Acura NSX insurance prices are more expensive than average compared to other vehicles. NSX owners can expect to pay about $320 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $68 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other models, the NSX is more expensive, with rates more than 10% higher than Acura's other vehicle offerings. Compared to offerings from other brands, auto insurance for a NSX runs close to average, with full coverage insurance premiums coming in at $143 higher than other cars and liability insurance rates at $15 cheaper.

Compared to all vehicles, regardless of model, body style, or make, full coverage prices are more expensive for the NSX, but a liability only policy is on the lower side.

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Who has the Cheapest Car Insurance for an Acura NSX?

Are you looking for an auto insurance policy for your Acura NSX? You may be wondering which company offers the lowest premiums. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $35 per month from Hugo. With car insurance as little as just $42 per month, Safeco is the next lowest car insurance carrier.

Completing the top 5 companies are MetroMile, Mercury, and DirectGeneral. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take multiple different factors into consideration when calculating how much to charge you. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from a variety of auto insurance carriers.

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What Factors Affect Car Insurance Rates for an Acura NSX?

There are an array of variables that insurance companies examine to choose how much they charge you for car insurance -- and every company uses a different formula, so there's not just one carrier that's the lowest for each driver.

The sections below show a whole range of variables insurance carriers use to decide rates:

Vehicle Age

Acura has been making the NSX for quite some time -- and that means the car's age may make a difference in how much you'll pay for car insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

As you can see in the table above, the Acura NSX does not follow this trend, as the most expensive models to insure are those that are 11 to 14 years old, while on average, the cheapest NSXs are 2 to 3 years old.

Your Age

Age makes a significant difference in how much auto insurance companies will charge you for a policy. As you can see above, older NSX drivers have cheaper premiums compared to younger drivers. Acura NSX drivers between 18 and 24 actually pay $45 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for NSX drivers being 45-54.

Your Gender

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. The Acura NSX sticks to the norm, where women pay around $24 less than men a month for car insurance.

Where You Live

It may be obvious that things like how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live has just as much of an impact? Because auto insurance is regulated at the state level, premiums change quite a bit from state to state.

For example, the average Acura NSX owner from New York pays about $49 monthly for liability coverage, while the same Californian driver will pay -3 less than that price, on average.

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Acura NSX Car Insurance Discounts

Whatever how old you are, what car you drive, or where you live, it's always in your best interest to take advantage of as many car insurance discounts as possible.

Not every insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution

These are just a few of the discounts auto insurance carriers offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

You obviously can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but you can influence some of it. Below are just a few of the ones you can use in your favor when it comes to saving cash:

Your Driving Record

It's no secret that insurance companies offer the most affordable rates to drivers with a history of responsible driving. It checks out that your auto insurance premiums will increase if you get speeding tickets or get into a collision. But you still might be left wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost NSX drivers less than tickets, but both will result in above average rates. Acura NSX drivers with one ticket will pay an average of $90 per month, while drivers with a single accident on their record pay about $87 per month (up $19 from the $68/mo. overall average). The rates only go up the more collisions you have or tickets you get.

How Much You Drive

The total distance you drive annually impacts your car insurance prices. Those who drive less often are more likely to go accident-free, so they'll typically be offered less expensive rates. In the above table, you can see that Acura NSX owners who drive between 5,000 and 7,500 miles a year pay an average of $57 monthly for insurance, while those who put less than 2,500 miles on their cars pay $89.

If you work from home or drive less often than the average driver, you might consider a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Acura NSXs Compare to Other Vehicles?

If you're considering buying a new car and an Acura NSX is on your shortlist, you might want to know how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth considering carefully.

Review the table below to see how the Acura NSX compares:

Overall, the Acura NSX is on the more expensive side when it comes to price, with an MSRP that's a quarter more than the going rate for a new vehicle. The NSX has a base price of $157,500, a bit more expensive than the national average vehicle price of $46,547.

Full coverage insurance for an Acura NSX is around $172 per month more than average, while liability only coverage is over $40 less a month.

When it comes to usage, Acura NSX owners drive fewer miles annually than the national average, with 11,617 miles for all vehicles each year compared to the NSX's 9,918 every year.

Acura NSX Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays for insurance. If you're considering buying a new NSX, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

Choose Your Model

2020 Acura NSX Car Insurance 2019 Acura NSX Car Insurance 2018 Acura NSX Car Insurance 2017 Acura NSX Car Insurance

2020 Acura NSX Car Insurance

It costs about $37 per month for liability or $341 for a full coverage policy for the 2020 NSX.

Looking for the cheapest policy? Mercury offered liability only coverage for sometimes as low as $37 a month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2019 Acura NSX Car Insurance

The average cost to insure a 2019 Acura NSX with liability only coverage is $72 monthly, while full coverage runs around $536 per month.

We found Safeco offered the most affordable policy, with rates as little as $28 monthly.

If you're looking for a more exact figure on what you should pay for car insurance for a 2019 Acura NSX, you can get free quotes in minutes by just entering your ZIP code below.

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2018 Acura NSX Car Insurance

2018 NSX drivers can expect to pay an average of $62 per month for liability or $213 for full coverage.

With prices as low as $43 a month, MetroMile offered the lowest policy we found for the 2018 Acura NSX.

If you want to know exactly how much you can expect to pay for your NSX, just enter your ZIP code below and get free quotes in minutes.

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2017 Acura NSX Car Insurance

You can expect full coverage for a 2017 Acura NSX to run about $376 per month, while liability only coverage will average around $81 monthly.

If you're looking for the cheapest possible 2017 Acura NSX insurance policy, Safeco offered the cheapest policy we found, with rates as low as just $48 a month.

What could your auto insurance rate look like? Enter your ZIP code below to get multiple personalized quotes for free.

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Acura NSX Insurance FAQs

Is an Acura NSX expensive to insure?

Liability insurance runs an average of $68 per month, while full coverage will cost you around $320. The Acura NSX is relatively expensive to insure compared to the average car.

How can I get the best price on car insurance for my Acura NSX?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and comparing quotes from lots of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a wide array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Acura NSX affect my insurance premiums?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not true. Even though there are many variables insurance carriers use when they offer you a premium, the color of your vehicle is not factored into that equation.

Do I need to have insurance before I buy an Acura NSX?

Before you can legally drive your new (or new to you) Acura NSX off the dealership lot, you'll need to have valid car insurance for it. Some dealerships will offer you one during the purchase process, but your best bet is letting your insurance company know ahead of time.

What car insurance discounts can I get for my Acura NSX?

You will find a ton of discounts out there for auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your NSX has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. To learn more about which discounts you may qualify for, get in touch with your insurance carrier and ask about their list of discounts, since they differ quite a bit from carrier to carrier.