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

Quick Facts

• An Acura TSX costs about the same to insure as the average car.
• Liability insurance for a TSX tends to be around $99 monthly, while full coverage usually comes in at about $179 per month.
• The lowest auto insurance company for a TSX is Hugo, who offers liability only coverage for sometimes as little as $35 a month, on average.

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TSX Overview

With base prices starting at just $30,635 for 2014 models, the Acura TSX is a great car for all budgets. With three different trim levels currently offered, there's something there for every driver.

We ran through thousands of car insurance quotes on Compare.com, and we've found that Acura TSX auto insurance prices average out to around $155 per month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for an Acura TSX?

You'll see in the table above that compared to other vehicles on the road, Acura TSX insurance rates are about average. On average, TSX owners will pay around $99 monthly for liability insurance, and about $179 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When you compare it to other models, the TSX is on par with the other vehicle types offered by Acura. However, compared to other vehicles of a similar body style, TSX coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other cars.

When compared to all vehicles of any body type, the TSX has more expensive prices than average for both full coverage and liability only insurance.

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Who has the Cheapest Car Insurance for an Acura TSX?

If you're searching for a new auto insurance policy for your Acura TSX, you're probably most interested in which carrier offers the most affordable premiums. Although there will never be one company that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $35 a month from Hugo. With car insurance as cheap as $39 per month, Aspire is the next most affordable car insurance carrier.

AnswerFinancial, Arrowhead, and NationalGeneral 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.

Car insurance companies use a whole range of things and complex formulas to calculate rates. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from an array of auto insurance carriers.

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What Factors Affect Car Insurance Rates for an Acura TSX?

As we mentioned above, there are several factors that insurance companies take a look at to calculate how much they charge -- and each company weighs certain attributes more than others, so there's not just one carrier that's the cheapest for everyone.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Acura TSX has been around for a while -- that means vehicle age can make a big difference in what you end up paying for car insurance. Normally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually get lower.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the TSX. However, as you can see in the table above, the cheapest Acura TSXs to insure are those that are 2 to 3 years old, while the most expensive models are TSXs that are 15 years old or more, on average.

Your Age

Age is another factor that plays a role in how much you pay for auto insurance. As you can see above, drivers who are under 18 pay more for car insurance than older TSX drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for TSX drivers being 65 years and older.

Your Gender

Did you know men tend to pay more for insurance than women? This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim. The Acura TSX follows this convention, and men pay around $104 monthly for auto insurance, while women pay about $92.

Where You Live

It may seem like common sense that factors like what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live matters just as much? Since insurance is regulated on a state-by-state basis, premiums shift quite a bit from state to state.

For example, the average Acura TSX driver in New York pays around $241 a month for liability coverage, while on average, the same Californian owner will pay only a quarter of that price. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Acura TSX Car Insurance Discounts

Regardless of your age, your car, or your home state, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

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

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance
• Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments

But these aren't the only discounts insurance carriers offer to their customers. 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.

While you can't control every variable auto insurance companies consider to calculate premiums (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the things you can use to your advantage when it comes to saving money:

Your Driving Record

You've probably heard ads from car insurance carriers promoting large discounts for responsible drivers. It shouldn't come as a surprise that if you get a speeding ticket or get into a collision, insurance rates will increase. But you still might be left wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost TSX drivers more than tickets, but both will result in above average rates. Acura TSX drivers with a single ticket will pay about $106 per month, while drivers with one accident on their record pay an average of $132 each month (up $33 from the $99/mo. overall average). Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

How much you drive plays a big role when it comes to your car insurance prices. Those who are on the roads less often are less likely to get into collisions, so they'll normally end up spending less on auto insurance. In the table above, you can see that Acura TSX owners who drive more than 10,000 miles every year pay about $90 monthly for insurance, while those who put between 2,500 and 5,000 miles on their cars pay $105.

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

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How Do Acura TSXs Compare to Other Vehicles?

If you're thinking about making an Acura TSX your next purchase, you might want to know how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Check out the table below to see how the Acura TSX compares:

Overall, the Acura TSX has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle MSRP is $39,832, and the TSX comes in close to that at $30,635. And since it's been awhile since a new TSX model has been on the market, used prices will be even cheaper.

Although the TSX has a pretty average price, auto insurance premiums run slightly below average when compared to other vehicles on the market. Liability insurance for an Acura TSX is about $2 per month more than average, while full coverage is $13 less a month.

When it comes to usage, Acura TSX owners drive about the same amount annually as the national average, with 11,617 miles a year for all vehicles compared to the TSX's 11,765 per year.

Acura TSX Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays for insurance. But if you're considering buying a new TSX, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices.

Choose Your Model

2014 Acura TSX Car Insurance 2013 Acura TSX Car Insurance 2012 Acura TSX Car Insurance 2011 Acura TSX Car Insurance 2010 Acura TSX Car Insurance 2009 Acura TSX Car Insurance 2008 Acura TSX Car Insurance 2007 Acura TSX Car Insurance 2006 Acura TSX Car Insurance 2005 Acura TSX Car Insurance 2004 Acura TSX Car Insurance

2014 Acura TSX Car Insurance

The average cost to insure a 2014 Acura TSX with liability only coverage is $83 per month, while full coverage runs around $156 monthly.

MetroMile has premiums sometimes as cheap as $19 per month for the 2014 Acura TSX.

While these are good estimates of what the average driver might pay to insure a 2014 Acura TSX, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Acura TSX Car Insurance

It costs about $91 a month for liability or $177 for a full coverage policy for the 2013 TSX.

MetroMile offered the most affordable policy we found, with rates as low as just $26 monthly.

Want something more accurate than national averages? Enter your ZIP code below to get several free personalized quotes.

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2012 Acura TSX Car Insurance

On average, drivers who own a 2012 Acura TSX can expect to pay $97 to $176 per month for liability only and full coverage insurance, respectively.

Looking for the lowest policy? Good2Go offered liability only coverage for as little as $220/mo a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2011 Acura TSX Car Insurance

2011 TSX drivers can expect to pay an average of $107 monthly for liability or $181 for full coverage.

We found Elephant offered the cheapest policy, with rates sometimes as low as $21 per month.

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

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2010 Acura TSX Car Insurance

You can expect full coverage for a 2010 Acura TSX to run around $182 monthly, while liability only coverage will average about $96 a month.

With rates as cheap as just $20 monthly, Workmens offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2009 Acura TSX Car Insurance

The average cost to insure a 2009 TSX with liability only coverage is $99 per month, while full coverage runs around $167 a month.

If you're looking for the cheapest possible 2009 Acura TSX insurance policy, Hugo offered the cheapest policy we found, with rates as little as just $18 monthly.

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

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2008 Acura TSX Car Insurance

You can expect full coverage for a 2008 Acura TSX to run about $179 a month, while liability only coverage will average around $87 per month.

With premiums as low as $19 monthly, Mapfre offered the lowest policy we found for the 2008 Acura TSX.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get lots of free customized quotes.

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2007 Acura TSX Car Insurance

2007 TSX drivers can expect to pay an average of $111 a month for liability or $220 for full coverage.

StateAuto has prices sometimes as little as $20 per month for the 2007 Acura TSX.

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

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2006 Acura TSX Car Insurance

It costs about $97 a month for liability or $189 for a full coverage policy for the 2006 Acura TSX.

With rates as low as $23 monthly, Workmens offered the most affordable policy we found.

If you want to find the best premiums for insurance for a 2006 Acura TSX, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2005 Acura TSX Car Insurance

On average, drivers who own a 2005 TSX can expect to pay $102 to $181 per month for liability only and full coverage car insurance, respectively.

We found StateAuto offered the cheapest policy, with rates as little as $17 a month.

Interested in what your auto insurance rate will be? Enter your ZIP code below to get a variety of free customized quotes.

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2004 Acura TSX Car Insurance

It costs around $100 monthly for liability or $166 for a full coverage policy for the 2004 Acura TSX.

Oasis offered the lowest policy we found, with rates as low as just $17 per month.

These average prices are a great starting point if you're in the market for a 2004 Acura TSX, but there are a range of 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.

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Acura TSX Insurance FAQs

Is an Acura TSX expensive to insure?

The cost of insurance for the Acura TSX is about the same as insuring the average vehicle. Liability insurance runs an average of $99 a month, while full coverage will cost you around $179.

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

The only way to confirm you're getting the most affordable price on auto insurance is to regularly shop around and compare quotes from lots of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

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

You may have heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not the case. There are quite a few things car insurance companies look at when they calculate how much you'll pay, but the color of your vehicle is not one of them.

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

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) TSX off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your insurance carrier know ahead of time.

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

There are a variety of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the car you drive, but if your TSX has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance company and ask about their list of discounts.