Volvo XC90 vs Acura MDX Insurance Cost
The Acura MDX is cheaper to insure by about $140 a year for full coverage by our estimate ($1,410 vs. $1,270), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Volvo XC90 | Acura MDX | Difference |
|---|---|---|---|
| State minimum | $470 | $460 | +$10 |
| Standard (100/300/100) | $685 | $665 | +$20 |
| Full coverage | $1,410 | $1,270 | +$140 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XC90 minus MDX.
Why one costs more to insure
| Factor | Volvo XC90 | Acura MDX |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 92 | 82 |
| HLDI comprehensive | 110 | 82 |
| HLDI property damage liability | 76 | 69 |
| HLDI bodily injury liability | 56 | 56 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 4 |
Collision losses are the biggest swing factor: the Volvo XC90 has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Acura MDX.
XC90 vs MDX insurance by state
By driver profile (full coverage)
| Driver | XC90 | MDX |
|---|---|---|
| Teen driver (18, own policy) | $3,885 | $3,490 |
| Young adult (22) | $2,260 | $2,030 |
| Adult in their 30s | $1,410 | $1,270 |
| Adult in their 50s | $1,300 | $1,165 |
| Senior (72) | $1,580 | $1,420 |
| 30s, one at-fault accident | $2,045 | $1,840 |
| 30s, DUI on record | $2,610 | $2,345 |
More comparisons
Frequently asked questions
Is the Volvo XC90 or the Acura MDX cheaper to insure?
By our estimate the Acura MDX is cheaper, by about $140 a year for full coverage ($1,410 vs. $1,270) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Volvo XC90 and Acura MDX?
Mostly because of insurance-loss history: HLDI collision indices of 92 vs. 82 and comprehensive indices of 110 vs. 82 (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.