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

Quick Facts

• An Acura RDX costs about the same to insure as the average SUV.
• Liability only auto insurance prices for a RDX tend to be about $81 per month, while full coverage usually comes in at around $155 a month.
• Commonwealth Casualty is the most affordable insurance company for a RDX with a national average of just $35 per month for liability only coverage.

---

---

RDX Overview

With 2022 models starting at $41,950, the Acura RDX is a great mid-level SUV for drivers of all types. There are five different trim levels currently offered, so you'll drive off the dealership lot in style.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that Acura RDX auto insurance premiums are about $170 a month, on average. But compared to other vehicles in the market, are RDX car insurance rates higher or lower than those of similar SUVs?

How Much is Car Insurance for an Acura RDX?

In the table above, you'll see that Acura RDX insurance premiums are right around average compared to other vehicles on the road. On average, RDX drivers will pay about $81 monthly for liability insurance, and around $155 a month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other Acura models, the RDX is cheaper, with rates more than 10% lower than the rest of the company's vehicle lineup. However, compared to other vehicles of a similar body style, RDX coverage is higher than average, with both liability only and full coverage insurance averaging more expensive prices than other SUVs.

When compared to all vehicles of any body type, insurance rates for both liability only and full coverage policies run more expensive than average.

---

---

Who has the Cheapest Car Insurance for an Acura RDX?

If you're in the market for a new auto insurance policy for your Acura RDX, you may want to know which carrier offers the cheapest premiums. While there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $26 a month from StateAuto. The runner up for lowest rates is Hugo, with auto insurance policies starting as little as just $30 monthly.

Aspire, Workmens, and Commonwealth Casualty round out the rest of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a range of factors into consideration when calculating monthly prices. The only way to guarantee you find the cheapest rates is to compare quotes from a range of car insurance carriers.

---

---

What Factors Affect Car Insurance Rates for an Acura RDX?

As we mentioned above, there are lots of things that insurance companies look at to calculate how much they charge for a policy -- and each carrier weighs different attributes more heavily than others, so there's not one single company that's the most affordable for every RDX driver.

The following sections show a wide array of variables auto insurance carriers use to decide rates:

Vehicle Age

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

According to the table above, the Acura RDX does not follow this trend, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest RDXs are 2 to 3 years old.

Your Age

Your age is another factor that plays a significant role in how much you pay for insurance. Based on the information above, teenage drivers pay more compared to those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for RDX drivers being 55-64.

Your Gender

You may not know, but men typically pay more for auto insurance than women do. This is because men are more likely to get into collisions and get speeding tickets, which raises the chances of an insurance claim. Surprisingly, for RDX drivers, this trend does not hold, and women pay more for their insurance than men.

Where You Live

It may be obvious that things like what vehicle you drive and how old you are play a role in your auto insurance prices, but you may not realize that where you live can be just as important. Car insurance is regulated on the state level and not nationally, so premiums shift quite a bit depending on what state you live in.

For example, the average Acura RDX owner in New York pays about $176 per month for liability coverage, while on average, the same Californian driver will pay less than half of that price. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change between states.

---

---

Acura RDX Car Insurance Discounts

Regardless of which vehicle you drive, what state you live in, or how old you are, it's always important to take advantage of as many car insurance discounts as possible.

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

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than in monthly installments
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

There are lots of other discounts out there for saving money on your car insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Even though you may not have control of every variable auto insurance companies reference to calculate premiums (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

You've most likely seen ads from car insurance carriers offering large discounts for responsible drivers. And you probably wouldn't be surprised that your auto insurance prices 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.

According to the table above, accidents will usually cost RDX drivers less than tickets, but both will result in higher than average rates. Acura RDX drivers with a single ticket will pay about $121 monthly, while drivers with one accident on their record pay an average of $107 every month (up $26 from the $81/mo. overall average). Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

The amount of miles you drive each year plays a role when it comes to your insurance premiums. Those who drive less often are more likely to go accident-free, so they'll normally get more affordable rates. Based on the table above, you can see that Acura RDX owners who drive fewer than 2,500 miles a year pay about $68 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $69.

If you work from home or drive less often than the average driver, it may be worth reviewing usage-based or pay-per-mile insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

---

---

How Do Acura RDXs Compare to Other Vehicles?

If you're thinking about making an Acura RDX your next purchase, you might want to know how it compares to other cars. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Acura RDX stacks up:

As you can see, the Acura RDX is right on par with the average vehicle price here in the U.S. The RDX's $46,192 base MSRP is right on trend with the national average of $41,950.

Liability insurance for an Acura RDX is, while full coverage is over $50 less per month.

When it comes to usage, Acura RDX owners drive about the same amount annually as the national average, with 11,021 miles each year compared to 11,617 for all vehicles.

Acura RDX Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays for car insurance. If you're considering purchasing a new RDX, knowing what you'll likely pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2021 Acura RDX Car Insurance 2020 Acura RDX Car Insurance 2019 Acura RDX Car Insurance 2018 Acura RDX Car Insurance 2017 Acura RDX Car Insurance 2016 Acura RDX Car Insurance 2015 Acura RDX Car Insurance 2014 Acura RDX Car Insurance 2013 Acura RDX Car Insurance 2012 Acura RDX Car Insurance 2011 Acura RDX Car Insurance 2010 Acura RDX Car Insurance

2021 Acura RDX Car Insurance

2021 Acura RDX drivers can expect to pay an average of $57 monthly for liability or $165 for full coverage.

Mercury offered the lowest policy we found, with rates as little as $34 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

---

---

2020 Acura RDX Car Insurance

It costs around $94 a month for liability or $183 for a full coverage policy for the 2020 RDX.

Looking for the cheapest policy? Hugo offered liability only coverage for as cheap as $20 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

---

---

2019 Acura RDX Car Insurance

You can expect full coverage for a 2019 Acura RDX to run about $237 monthly, while liability only coverage will average around $52 a month.

With prices as cheap as just $20 per month, Aspire offered the most affordable policy we found.

Want to know just how much you'll pay? Just enter your ZIP code below to get a variety of free customized quotes.

---

---

2018 Acura RDX Car Insurance

The average cost to insure a 2018 RDX with liability only coverage is $97 monthly, while full coverage runs about $168 a month.

StateAuto has rates sometimes as little as $26 monthly for the 2018 Acura RDX.

While these are good estimates of what the average driver might pay to insure a 2018 Acura RDX, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

---

---

2017 Acura RDX Car Insurance

On average, drivers who own a 2017 Acura RDX can expect to pay $80 to $159 per month for liability only and full coverage auto insurance, respectively.

We found MetLife offered the lowest policy, with rates as low as just $28 a month.

What will your car insurance rate be? All you need to do is enter your ZIP code below and you'll be on your way to comparing an array of personalized quotes from the nation's top insurance companies.

---

---

2016 Acura RDX Car Insurance

It costs around $73 per month for liability or $136 for a full coverage policy for the 2016 RDX.

If you're looking for the cheapest possible 2016 Acura RDX insurance policy, Shelter Mutual offered the cheapest policy we found, with rates sometimes as cheap as $22 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

---

---

2015 Acura RDX Car Insurance

The average cost to insure a 2015 Acura RDX with liability only coverage is $69 a month, while full coverage runs about $144 per month.

With prices as low as $22 monthly, MetLife offered the most affordable policy we found for the 2015 Acura RDX.

Interested in what your insurance premium will be? Enter your ZIP code below to get several customized quotes for free.

---

---

2014 Acura RDX Car Insurance

You can expect full coverage for a 2014 RDX to run around $141 a month, while liability only coverage will average about $92 per month.

With rates sometimes as low as $20 monthly, MetLife offered the lowest policy we found.

If you want to find the best prices for car insurance for a 2014 Acura RDX, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

---

---

2013 Acura RDX Car Insurance

On average, drivers who own a 2013 Acura RDX can expect to pay $87 to $141 a month for liability only and full coverage auto insurance, respectively.

We found MetLife offered the most affordable policy, with rates as low as just $22 monthly.

These average premiums are a great starting point if you're in the market for a 2013 Acura RDX, but there are a range of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

---

---

2012 Acura RDX Car Insurance

2012 RDX drivers can expect to pay an average of $59 a month for liability or $146 for full coverage.

Looking for the lowest policy? Mercury offered liability only coverage for as low as $22 per month.

Want something more accurate than national averages? Just enter your ZIP code below to get multiple free personalized quotes.

---

---

2011 Acura RDX Car Insurance

You can expect full coverage for a 2011 Acura RDX to run around $162 monthly, while liability only coverage will average about $101 per month.

With rates sometimes as low as $24 a month, MetLife offered the cheapest policy we found for the 2011 Acura RDX.

If you want to find the best premiums for car insurance for a 2011 Acura RDX, enter your ZIP code below and compare several personalized quotes in just a few minutes.

---

---

2010 Acura RDX Car Insurance

It costs around $61 per month for liability or $139 for a full coverage policy for the 2010 RDX.

StateAuto offered the most affordable policy we found, with rates as cheap as just $21 a month.

If you're looking for a more exact figure on what you should pay for insurance for a 2010 Acura RDX, you can get free quotes in minutes by just entering your ZIP code below.

---

---

Acura RDX Insurance FAQs

Is an Acura RDX expensive to insure?

When compared to the national average of all vehicles, the cost of auto insurance is about on par with the cost of insuring the average vehicle. Liability insurance runs an average of $81 monthly, while full coverage will cost you around $155.

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

There's only one way to guarantee you're getting the cheapest rates -- checking prices regularly and comparing quotes from multiple carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a whole range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Acura RDX affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car than cars of other colors before? Well, that's just a myth. Although there are many variables car insurance carriers think about when they calculate how much you'll pay, the color of your Acura RDX is not factored into that equation.

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

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance carrier know beforehand.

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

There are a ton of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your RDX has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance company and ask about their list of discounts, since they vary quite a bit from company to company.