Acura Insurance Cost
Across 5 current Acura models, full coverage averages about $1,522 a year by our estimate — −4% versus the average vehicle ($1,590).
Acura insurance profile
Acura is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 4 luxury suvs and 1 luxury car. HLDI collision losses for its models average 91 (100 = all-vehicle average).
Every Acura model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| RDX | Luxury SUV | 2007–2026 | 72 | $1,230 | −23% |
| MDX | Luxury SUV | 2005–2026 | 82 | $1,270 | −20% |
| Integra | Luxury car | 2023–2026 | 120 | $1,640 | +3% |
| ADX | Luxury SUV | 2025–2026 | — | $1,735 | +9% |
| ZDX | Luxury SUV | 2010–2026 | — | $1,735 | +9% |
Older and discontinued Acura models
What makes Acura insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 3 models range from 72 to 120, so the model you pick matters as much as the brand.
- Segment mix: 4 luxury suv, 1 luxury car.
Average Acura insurance cost by state
Average full-coverage estimate across current Acura models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,006 | −34% |
| North Dakota | $1,044 | −31% |
| Vermont | $1,045 | −31% |
| Idaho | $1,062 | −30% |
| Wisconsin | $1,083 | −29% |
| Hawaii | $1,088 | −29% |
| Iowa | $1,096 | −28% |
| Indiana | $1,119 | −26% |
| New Hampshire | $1,123 | −26% |
| Ohio | $1,127 | −26% |
| North Carolina | $1,195 | −21% |
| South Dakota | $1,254 | −18% |
| Kansas | $1,280 | −16% |
| Wyoming | $1,280 | −16% |
| Montana | $1,282 | −16% |
| Nebraska | $1,284 | −16% |
| Kentucky | $1,307 | −14% |
| Tennessee | $1,316 | −14% |
| Minnesota | $1,324 | −13% |
| West Virginia | $1,331 | −13% |
| Washington | $1,333 | −12% |
| Virginia | $1,342 | −12% |
| Illinois | $1,365 | −10% |
| Oregon | $1,367 | −10% |
| Alaska | $1,372 | −10% |
| Alabama | $1,378 | −9% |
| Pennsylvania | $1,386 | −9% |
| Utah | $1,386 | −9% |
| New Mexico | $1,410 | −7% |
| Arkansas | $1,411 | −7% |
| Missouri | $1,432 | −6% |
| Oklahoma | $1,436 | −6% |
| Mississippi | $1,510 | −1% |
| Massachusetts | $1,536 | +1% |
| California | $1,547 | +2% |
| Arizona | $1,624 | +7% |
| Connecticut | $1,630 | +7% |
| South Carolina | $1,632 | +7% |
| Delaware | $1,690 | +11% |
| Michigan | $1,708 | +12% |
| Nevada | $1,720 | +13% |
| Maryland | $1,732 | +14% |
| Colorado | $1,786 | +17% |
| New Jersey | $1,826 | +20% |
| Rhode Island | $1,849 | +21% |
| Texas | $1,870 | +23% |
| Georgia | $1,881 | +24% |
| District of Columbia | $1,975 | +30% |
| New York | $2,045 | +34% |
| Florida | $2,141 | +41% |
| Louisiana | $2,141 | +41% |
Frequently asked questions
How much does it cost to insure a Acura?
Across 5 current Acura models, our full-coverage estimate averages $1,522 a year for a driver in their 30s with a clean record, 4% less than the average vehicle ($1,590).
What is the cheapest Acura to insure?
The Acura RDX has the lowest estimate at about $1,230 a year for full coverage; the Acura ZDX is the most expensive at about $1,735.
Are Acura repairs expensive for insurers?
HLDI collision-loss data for 3 Acura models averages 91 (100 = average of all vehicles), which is better than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Acura?
By our estimates, Maine is the cheapest state (about $1,006 a year on average across current models) and Louisiana the most expensive (about $2,141).
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.