Estimates, not quotes

Acura RDX vs Volvo XC60 Insurance Cost

The Acura RDX is cheaper to insure by about $45 a year for full coverage by our estimate ($1,230 vs. $1,275), and cheaper in 50 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAcura RDXVolvo XC60Difference
State minimum$470$435+$35
Standard (100/300/100)$680$630+$50
Full coverage$1,230$1,275−$45

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = RDX minus XC60.

Why one costs more to insure

FactorAcura RDXVolvo XC60
SegmentLuxury SUVLuxury SUV
PowertrainsGasolineGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)7280
HLDI comprehensive7493
HLDI property damage liability6965
HLDI bodily injury liability6247
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)35

Collision losses are the biggest swing factor: the Volvo XC60 has 8 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Acura RDX.

RDX vs XC60 insurance by state

StateRDXXC60Difference
Alabama$1,075$1,130−$55
Alaska$1,075$1,120−$45
Arizona$1,290$1,335−$45
Arkansas$1,090$1,160−$70
California$1,205$1,250−$45
Colorado$1,410$1,490−$80
Connecticut$1,300$1,330−$30
Delaware$1,365$1,380−$15
District of Columbia$1,550$1,610−$60
Florida$1,745$1,750−$5
Georgia$1,515$1,540−$25
Hawaii$845$880−$35
Idaho$835$870−$35
Illinois$1,070$1,120−$50
Indiana$875$920−$45
Iowa$845$915−$70
Kansas$995$1,070−$75
Kentucky$1,035$1,075−$40
Louisiana$1,705$1,760−$55
Maine$785$825−$40
Maryland$1,380$1,415−$35
Massachusetts$1,210$1,250−$40
Michigan$1,340$1,395−$55
Minnesota$1,035$1,100−$65
Mississippi$1,185$1,250−$65
Missouri$1,125$1,185−$60
Montana$995$1,070−$75
Nebraska$995$1,070−$75
Nevada$1,400$1,400—
New Hampshire$875$915−$40
New Jersey$1,475$1,485−$10
New Mexico$1,110$1,160−$50
New York$1,645$1,670−$25
North Carolina$925$980−$55
North Dakota$800$875−$75
Ohio$880$925−$45
Oklahoma$1,120$1,190−$70
Oregon$1,100$1,120−$20
Pennsylvania$1,080$1,135−$55
Rhode Island$1,480$1,505−$25
South Carolina$1,315$1,345−$30
South Dakota$960$1,060−$100
Tennessee$1,025$1,080−$55
Texas$1,465$1,545−$80
Utah$1,110$1,130−$20
Vermont$805$855−$50
Virginia$1,060$1,100−$40
Washington$1,070$1,090−$20
West Virginia$1,035$1,100−$65
Wisconsin$845$895−$50
Wyoming$980$1,080−$100

By driver profile (full coverage)

DriverRDXXC60
Teen driver (18, own policy)$3,385$3,510
Young adult (22)$1,970$2,045
Adult in their 30s$1,230$1,275
Adult in their 50s$1,135$1,175
Senior (72)$1,380$1,430
30s, one at-fault accident$1,785$1,850
30s, DUI on record$2,280$2,360

More comparisons

Frequently asked questions

Is the Acura RDX or the Volvo XC60 cheaper to insure?

By our estimate the Acura RDX is cheaper, by about $45 a year for full coverage ($1,230 vs. $1,275) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Acura RDX and Volvo XC60?

Mostly because of insurance-loss history: HLDI collision indices of 72 vs. 80 and comprehensive indices of 74 vs. 93 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page