Acura MDX Insurance Cost

Full coverage for a Acura MDX costs about $1,270 a year ($106/month) by our estimate — ▼ −20% versus the average vehicle, ranking 17th cheapest of 310 current models.

Acura MDX exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

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

Acura MDX insurance cost at a glance

Full coverage

$1,270

$106/mo · $1,040–$1,495

Minimum liability

$460

$38/mo

Segment

Luxury SUV

Gasoline, Hybrid

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Acura MDX.

Estimated Acura MDX premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$460	$38	$375–$540
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$665	$55	$545–$785
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,270	$106	$1,040–$1,495

What drives the cost of insuring a Acura MDX

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Acura MDX's results put our vehicle factor at 0.75× for liability, 0.90× for collision and 0.89× for comprehensive.

HLDI relative insurance losses — Acura MDX 4dr (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	82	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	82	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	69	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	56	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	86	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	92	Better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Acura MDX 4dr	82	82	69	56
Acura MDX 4dr 4WD	88	111	71	57

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 4 NHTSA recall campaigns and 153 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Acura MDX trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
MDX AWD	AWD	3.5L 6-cyl	21
MDX AWD Type-S	AWD	3.0L 6-cyl Turbo	19
MDX FWD	FWD	3.5L 6-cyl	22

Acura MDX insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	3.0L 6-cyl Turbo, 3.5L 6-cyl	AWD, FWD	19–22	$1,270
2025	3.0L 6-cyl Turbo, 3.5L 6-cyl	AWD, FWD	19–22	$1,240
2024	3.0L 6-cyl Turbo, 3.5L 6-cyl	AWD, FWD	19–22	$1,210
2023	3.0L 6-cyl Turbo, 3.5L 6-cyl	AWD, FWD	19–22	$1,185
2022	3.0L 6-cyl Turbo, 3.5L 6-cyl	AWD, FWD	19–22	$1,155
2020	3.0L 6-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	21–27	$1,100
2019	3.0L 6-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	21–27	$1,070
2018	3.0L 6-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	21–27	$1,040
2017	3.0L 6-cyl Hybrid, 3.5L 6-cyl	AWD, FWD	21–27	$1,015
2016	3.5L 6-cyl	AWD, FWD	21–23	$985
2015	3.5L 6-cyl	AWD, FWD	21–23	$980
2014	3.5L 6-cyl	AWD, FWD	21–23	$980
2013	3.7L 6-cyl	AWD	18	$980
2012	3.7L 6-cyl	AWD	18	$980
2011	3.7L 6-cyl	AWD	18	$980
2010	3.7L 6-cyl	AWD	18	$980
2009	3.7L 6-cyl	4WD/AWD	17	$980
2008	3.7L 6-cyl	4WD/AWD	17	$980
2007	3.7L 6-cyl	4WD/AWD	17	$980
2006	3.5L 6-cyl	4WD/AWD	17	$980

Acura MDX insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the MDX page for that state.

State	Full coverage	Minimum	vs. national	MDX page
Alabama	$1,115	$360	−12%	MDX in AL
Alaska	$1,115	$465	−12%	MDX in AK
Arizona	$1,325	$495	+4%	MDX in AZ
Arkansas	$1,135	$335	−11%	MDX in AR
California	$1,250	$430	−2%	MDX in CA
Colorado	$1,455	$485	+15%	MDX in CO
Connecticut	$1,335	$530	+5%	MDX in CT
Delaware	$1,390	$600	+9%	MDX in DE
District of Columbia	$1,600	$555	+26%	MDX in DC
Florida	$1,770	$805	+39%	MDX in FL
Georgia	$1,545	$650	+22%	MDX in GA
Hawaii	$880	$325	−31%	MDX in HI
Idaho	$865	$300	−32%	MDX in ID
Illinois	$1,105	$370	−13%	MDX in IL
Indiana	$910	$300	−28%	MDX in IN
Iowa	$885	$230	−30%	MDX in IA
Kansas	$1,035	$300	−19%	MDX in KS
Kentucky	$1,065	$395	−16%	MDX in KY
Louisiana	$1,750	$590	+38%	MDX in LA
Maine	$815	$320	−36%	MDX in ME
Maryland	$1,415	$565	+11%	MDX in MD
Massachusetts	$1,245	$440	−2%	MDX in MA
Michigan	$1,385	$570	+9%	MDX in MI
Minnesota	$1,075	$350	−15%	MDX in MN
Mississippi	$1,225	$395	−4%	MDX in MS
Missouri	$1,165	$385	−8%	MDX in MO
Montana	$1,035	$295	−19%	MDX in MT
Nebraska	$1,035	$300	−19%	MDX in NE
Nevada	$1,420	$650	+12%	MDX in NV
New Hampshire	$910	$300	−28%	MDX in NH
New Jersey	$1,500	$700	+18%	MDX in NJ
New Mexico	$1,145	$390	−10%	MDX in NM
New York	$1,680	$695	+32%	MDX in NY
North Carolina	$960	$335	−24%	MDX in NC
North Dakota	$840	$205	−34%	MDX in ND
Ohio	$915	$300	−28%	MDX in OH
Oklahoma	$1,160	$355	−9%	MDX in OK
Oregon	$1,125	$470	−11%	MDX in OR
Pennsylvania	$1,120	$320	−12%	MDX in PA
Rhode Island	$1,515	$615	+19%	MDX in RI
South Carolina	$1,340	$550	+6%	MDX in SC
South Dakota	$1,010	$235	−20%	MDX in SD
Tennessee	$1,065	$340	−16%	MDX in TN
Texas	$1,520	$515	+20%	MDX in TX
Utah	$1,135	$490	−11%	MDX in UT
Vermont	$840	$240	−34%	MDX in VT
Virginia	$1,090	$470	−14%	MDX in VA
Washington	$1,090	$440	−14%	MDX in WA
West Virginia	$1,075	$325	−15%	MDX in WV
Wisconsin	$880	$280	−31%	MDX in WI
Wyoming	$1,030	$245	−19%	MDX in WY

Acura MDX insurance by driver profile

Estimated annual Acura MDX premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,260	$1,830	$3,490	$291
Young adult (22)	$735	$1,065	$2,030	$169
Adult in their 30s	$460	$665	$1,270	$106
Adult in their 50s	$420	$610	$1,165	$97
Senior (72)	$515	$745	$1,420	$118
30s, one at-fault accident	$665	$965	$1,840	$153
30s, DUI on record	$850	$1,230	$2,345	$195

Acura MDX vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Acura MDX	$1,270	82	82	—
Volvo XC90	$1,410	92	110	Compare
Volvo XC60	$1,275	80	93	Compare
Audi Q3	$1,440	97	85	Compare

Estimate Acura MDX insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Acura models

ADX $1,735/yr
Integra $1,640/yr
RDX $1,230/yr
ZDX $1,735/yr
TLX $2,025/yr
ILX $1,580/yr
NSX $1,920/yr
RLX $1,495/yr
TL $1,345/yr
TSX $1,345/yr
RL $1,345/yr
RSX $1,345/yr

All Acura insurance costs →

Frequently asked questions

How much is insurance for a Acura MDX?

We estimate about $1,270 a year ($106 a month) for full coverage and $460 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 20% less than the average vehicle.

Is the Acura MDX expensive to insure?

HLDI insurance-loss data rates it at 82 for collision and 82 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Acura MDX?

Maine has the lowest estimate (about $815 a year for full coverage) and Florida the highest (about $1,770).

What is the Acura MDX's NHTSA safety rating?

The 2026 Acura MDX earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Acura MDX cheaper to insure than the Volvo XC90?

By our estimate the Acura MDX costs about $1,270 a year versus $1,410 for the Volvo XC90, making it the cheaper of the two to insure.

How much is Acura MDX insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,490 a year at national-average rates by our estimate.

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