Acura RDX Insurance Cost

Full coverage for a Acura RDX costs about $1,230 a year ($103/month) by our estimate — ▼ −23% versus the average vehicle, ranking 13th cheapest of 310 current models.

Acura RDX exterior (photo from Wikimedia Commons) — Photo: Mr.choppers, 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 RDX insurance cost at a glance

Full coverage

$1,230

$103/mo · $1,010–$1,455

Minimum liability

$470

$39/mo

Segment

Luxury SUV

Gasoline

HLDI collision losses

Much 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 2007–2026 model years of the Acura RDX.

Estimated Acura RDX 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.	$470	$39	$385–$555
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$680	$57	$560–$805
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,230	$103	$1,010–$1,455

What drives the cost of insuring a Acura RDX

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 RDX's results put our vehicle factor at 0.77× for liability, 0.82× for collision and 0.82× for comprehensive.

HLDI relative insurance losses — Acura RDX 4dr 4WD (Midsize Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	72	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	74	Much 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	62	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	92	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	63	Much better than average	Injuries to occupants of this car (claim frequency)

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: 3 NHTSA recall campaigns and 42 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Acura RDX 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.)
RDX AWD	AWD	2.0L 4-cyl Turbo	23
RDX AWD A-SPEC	AWD	2.0L 4-cyl Turbo	23

Acura RDX 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	2.0L 4-cyl Turbo	AWD	23	$1,230
2025	2.0L 4-cyl Turbo	AWD	23	$1,205
2024	2.0L 4-cyl Turbo	AWD	23	$1,180
2023	2.0L 4-cyl Turbo	AWD, FWD	23–24	$1,155
2022	2.0L 4-cyl Turbo	AWD, FWD	23–24	$1,130
2021	2.0L 4-cyl Turbo	AWD, FWD	23–24	$1,100
2020	2.0L 4-cyl Turbo	AWD, FWD	23–24	$1,075
2019	2.0L 4-cyl Turbo	4WD, FWD	23–24	$1,050
2018	3.5L 6-cyl	AWD, FWD	22–23	$1,025
2017	3.5L 6-cyl	AWD, FWD	22–23	$1,000
2016	3.5L 6-cyl	AWD, FWD	22–23	$970
2015	3.5L 6-cyl	AWD, FWD	22–23	$970
2014	3.5L 6-cyl	AWD, FWD	22–23	$970
2013	3.5L 6-cyl	AWD, FWD	22–23	$970
2012	2.3L 4-cyl Turbo	AWD, FWD	19–21	$970
2011	2.3L 4-cyl Turbo	AWD, FWD	19–21	$970
2010	2.3L 4-cyl Turbo	AWD, FWD	19–21	$970
2009	2.3L 4-cyl Turbo	4WD/AWD	19	$970
2008	2.3L 4-cyl Turbo	4WD/AWD	19	$970
2007	2.3L 4-cyl Turbo	4WD/AWD	19	$970

Acura RDX 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 RDX page for that state.

State	Full coverage	Minimum	vs. national	RDX page
Alabama	$1,075	$365	−13%	RDX in AL
Alaska	$1,075	$480	−13%	RDX in AK
Arizona	$1,290	$505	+5%	RDX in AZ
Arkansas	$1,090	$345	−11%	RDX in AR
California	$1,205	$440	−2%	RDX in CA
Colorado	$1,410	$500	+15%	RDX in CO
Connecticut	$1,300	$545	+6%	RDX in CT
Delaware	$1,365	$615	+11%	RDX in DE
District of Columbia	$1,550	$570	+26%	RDX in DC
Florida	$1,745	$825	+42%	RDX in FL
Georgia	$1,515	$665	+23%	RDX in GA
Hawaii	$845	$335	−31%	RDX in HI
Idaho	$835	$305	−32%	RDX in ID
Illinois	$1,070	$380	−13%	RDX in IL
Indiana	$875	$310	−29%	RDX in IN
Iowa	$845	$235	−31%	RDX in IA
Kansas	$995	$310	−19%	RDX in KS
Kentucky	$1,035	$405	−16%	RDX in KY
Louisiana	$1,705	$605	+39%	RDX in LA
Maine	$785	$325	−36%	RDX in ME
Maryland	$1,380	$575	+12%	RDX in MD
Massachusetts	$1,210	$455	−2%	RDX in MA
Michigan	$1,340	$585	+9%	RDX in MI
Minnesota	$1,035	$360	−16%	RDX in MN
Mississippi	$1,185	$405	−4%	RDX in MS
Missouri	$1,125	$390	−9%	RDX in MO
Montana	$995	$300	−19%	RDX in MT
Nebraska	$995	$310	−19%	RDX in NE
Nevada	$1,400	$665	+14%	RDX in NV
New Hampshire	$875	$310	−29%	RDX in NH
New Jersey	$1,475	$715	+20%	RDX in NJ
New Mexico	$1,110	$400	−10%	RDX in NM
New York	$1,645	$710	+34%	RDX in NY
North Carolina	$925	$345	−25%	RDX in NC
North Dakota	$800	$210	−35%	RDX in ND
Ohio	$880	$310	−28%	RDX in OH
Oklahoma	$1,120	$360	−9%	RDX in OK
Oregon	$1,100	$480	−11%	RDX in OR
Pennsylvania	$1,080	$325	−12%	RDX in PA
Rhode Island	$1,480	$630	+20%	RDX in RI
South Carolina	$1,315	$560	+7%	RDX in SC
South Dakota	$960	$240	−22%	RDX in SD
Tennessee	$1,025	$345	−17%	RDX in TN
Texas	$1,465	$530	+19%	RDX in TX
Utah	$1,110	$500	−10%	RDX in UT
Vermont	$805	$245	−35%	RDX in VT
Virginia	$1,060	$480	−14%	RDX in VA
Washington	$1,070	$450	−13%	RDX in WA
West Virginia	$1,035	$335	−16%	RDX in WV
Wisconsin	$845	$285	−31%	RDX in WI
Wyoming	$980	$250	−20%	RDX in WY

Acura RDX insurance by driver profile

Estimated annual Acura RDX premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,290	$1,875	$3,385	$282
Young adult (22)	$750	$1,090	$1,970	$164
Adult in their 30s	$470	$680	$1,230	$103
Adult in their 50s	$430	$625	$1,135	$95
Senior (72)	$525	$765	$1,380	$115
30s, one at-fault accident	$680	$990	$1,785	$149
30s, DUI on record	$870	$1,260	$2,280	$190

Acura RDX vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Acura RDX	$1,230	72	74	—
Cadillac XT5	$1,405	86	69	Compare
Volvo XC60	$1,275	80	93	Compare
Audi Q3	$1,440	97	85	Compare

Estimate Acura RDX 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
MDX $1,270/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 RDX?

We estimate about $1,230 a year ($103 a month) for full coverage and $470 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 23% less than the average vehicle.

Is the Acura RDX expensive to insure?

HLDI insurance-loss data rates it at 72 for collision and 74 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Acura RDX?

Maine has the lowest estimate (about $785 a year for full coverage) and Florida the highest (about $1,745).

What is the Acura RDX's NHTSA safety rating?

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

Is the Acura RDX cheaper to insure than the Cadillac XT5?

By our estimate the Acura RDX costs about $1,230 a year versus $1,430 for the Cadillac XT5, making it the cheaper of the two to insure.

How much is Acura RDX insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,385 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