Best Acura MDX Car Insurance in 2024 (Your Guide to the Top 10 Companies)

State Farm, AAA, and Farmers lead the way in offering the best Acura MDX car insurance, with State Farm emerging as the top choice for its competitive rates starting at $133 per month.

These providers stand out for their comprehensive coverage options, financial stability, and strong customer service. State Farm excels with its affordable premiums and robust range of benefits tailored to the Acura MDX.

Our Top 10 Company Picks: Best Acura MDX Car Insurance

For a blend of great coverage and value, exploring these options will ensure you find the ideal insurance for your vehicle. You can start comparing quotes for Acura MDX car insurance rates from some of the best car insurance companies by using our free online tool now.

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#1 – State Farm: Top Overall Pick

Pros

• Affordable Rates: State Farm offers competitive premiums tailored for the Acura MDX, considering its advanced safety features and lower risk profile. Their rates are especially favorable for experienced Acura MDX drivers with clean records, making it a top choice for those looking to save on insurance costs without compromising on coverage.
• Extensive Coverage Options: State Farm provides a comprehensive range of coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Additionally, Acura MDX owners can benefit from add-ons such as rental car reimbursement, emergency roadside assistance, and rideshare insurance, ensuring that all aspects of Acura MDX vehicle protection are covered.
• Safe Driving Discounts: State Farm offers discounts for good driving records, especially for Acura MDX owners who maintain safe driving habits. Programs like the Drive Safe & Save program can lead to significant savings, as highlighted in the State Farm car insurance review.

Cons

• Limited Discounts: While State Farm offers various discounts, they may not be as extensive or as easily accessible as those offered by some other insurers. For example, discounts for bundling home and Acura MDX auto insurance may not be as substantial, potentially leading to higher overall costs.
• Average Online Tools: While State Farm has a solid online presence, its digital tools and mobile app may not be as user-friendly or feature-rich as those offered by competitors like Geico or Progressive, which could affect the overall experience for Acura MDX owners.

#2 – AAA: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: AAA provides a broad array of coverage options that are particularly beneficial for Acura MDX owners, including extensive collision and comprehensive coverage. Their policies are designed to cover various risks, such as theft, vandalism, and natural disasters, making them a solid choice for protecting a high-value vehicle like the Acura MDX.
• Good Driver Discounts: AAA offers substantial discounts for safe drivers, making it an attractive option for Acura MDX owners who prioritize safety. These discounts can be further enhanced with programs like AAA’s OnBoard telematics, which tracks driving behavior and rewards safe driving practices.
• Member Benefits: Beyond car insurance, AAA members can access a wide range of additional benefits, including discounts on travel, hotels, and car rentals. This makes AAA an appealing choice for Acura MDX owners who frequently travel or use their vehicles for road trips, as mentioned in the AAA car insurance review.

Cons

• Higher Premiums: AAA’s premiums tend to be on the higher side, particularly for full coverage options, which might be a drawback for Acura MDX owners looking for more budget-friendly insurance solutions.
• Regional Variability: AAA’s insurance offerings and rates can vary significantly depending on the region, which might lead to inconsistencies in pricing and available coverage options for Acura MDX owners across different states.

#3 – Farmers: Best for 

Pros

• Customizable Policies: Farmers Insurance is known for offering highly customizable policies that allow Acura MDX owners to tailor their coverage to their specific needs. Whether you need more liability coverage, higher limits for medical payments, or additional protections like glass repair or new car replacement, Farmers offers a range of options to suit various Acura MDX preferences.
• Accident Forgiveness: Farmers’ accident forgiveness program ensures that your premium won’t increase after your first at-fault accident, which is a significant benefit for Acura MDX owners who want to avoid sudden rate hikes after an unfortunate event.
• Multi-Policy Discounts: Farmers encourages bundling by offering discounts when you combine your Acura MDX auto insurance with other policies, such as homeowners or renters insurance, providing Acura MDX owners with an opportunity to save on their overall insurance costs.

Cons

• Average Customer Service: While Farmers is generally reliable, their customer service ratings are average compared to other top insurers. Some Acura MDX owners might experience longer wait times or less personalized service, which could be a drawback for those who value exceptional customer support.
• Higher Rates for Younger Drivers: Farmers tends to charge higher premiums for younger Acura MDX drivers, which might make it less appealing for families with teenage drivers or younger policyholders who are looking for more affordable options, as noted in the Farmers car insurance review.

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#4 – Allstate: Best for New Car Replacement

Pros

• New Car Replacement: Allstate’s new car replacement option is a standout feature for Acura MDX owners, as it ensures that if your Acura MDX is totaled within the first two model years, Allstate will pay to replace it with a brand-new vehicle. This is particularly valuable for Acura MDX drivers who want to maintain the value of their investment.
• Safe Driving Discounts: Allstate rewards Acura MDX owners for safe driving through its Drivewise program, which monitors driving habits and offers discounts based on performance. Additionally, Allstate provides discounts for Acura MDX drivers who have anti-theft devices or maintain a clean driving record.
• Bundling Discounts: Allstate offers substantial discounts when bundling Acura MDX auto insurance with other policies, such as home, renters, or life insurance. This can lead to significant savings for Acura MDX owners who choose Allstate for multiple insurance needs, as noted in the Allstate car insurance review.

Cons

• Premium Costs: Allstate’s premiums can be higher compared to other insurers, particularly for comprehensive coverage, which might be a concern for Acura MDX owners looking for more cost-effective solutions.
• Telematics Concerns: Although Allstate’s Drivewise program offers discounts, some Acura MDX owners may be hesitant to use telematics devices due to privacy concerns or the potential for rate increases based on driving behavior.

#5 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program: Progressive’s Snapshot program is a significant advantage for Acura MDX owners who practice safe driving. This telematics-based program tracks driving habits and rewards policyholders with discounts based on their performance, which can lead to substantial savings.
• Affordable Rates: Progressive is known for offering competitive rates, particularly for Acura MDX drivers with clean records. Acura MDX owners can benefit from these lower premiums, especially when opting for basic coverage.
• Multi-Car Discounts: Progressive offers discounts for insuring multiple vehicles, which can be advantageous for Acura MDX owners who have more than one car in their household, as highlighted in the Progressive Car Insurance Discounts.

Cons

• Customer Service: While Progressive offers robust digital tools, their customer service experience can be inconsistent, with some Acura MDX owners reporting issues with claim handling or long wait times when seeking assistance.
• Rate Increases: Progressive is known for potential rate increases after an accident or moving violation, which could lead to higher costs for Acura MDX owners who have a blemish on their driving record.

#6 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide’s Vanishing Deductible program is a standout feature that benefits Acura MDX owners by reducing their deductible by $100 for each year of safe driving, up to a maximum reduction. This can lead to significant savings in the event of a claim.
• Accident Forgiveness: Nationwide offers accident forgiveness, ensuring that Acura MDX owners won’t see their rates increase after their first at-fault accident, which is a valuable feature for those who want to avoid sudden premium hikes.
• Multi-Policy Discounts: Nationwide offers significant discounts for bundling Acura MDX auto insurance with other policies, such as homeowners, renters, or life insurance, making it easier for Acura MDX owners to manage all their insurance needs in one place and save money.

Cons

• Premium Costs: Nationwide’s premiums can be higher than average, particularly for comprehensive coverage, which may not be ideal for Acura MDX owners looking for the most affordable option.
• Limited Discounts: While Nationwide offers some discounts, they may not be as extensive or as easily accessible as those offered by competitors like Progressive or State Farm, potentially leading to higher overall costs for Acura MDX owners, as highlighted in the Nationwide Car Insurance Discounts.

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#7 – Liberty Mutual: Best for New Car Replacement

Pros

• New Car Replacement: Liberty Mutual’s new car replacement coverage is particularly advantageous for Acura MDX owners. If your Acura MDX is totaled within the first year or 15,000 miles, Liberty Mutual will pay to replace it with a brand-new model, which is a significant benefit for those who want to maintain the value of their investment.
• RightTrack Program: Liberty Mutual offers the RightTrack program, a telematics-based discount program that rewards safe driving with lower premiums. Acura MDX owners who demonstrate safe driving habits can save up to 30% on their insurance, according to Liberty Mutual car insurance review.
• Comprehensive Coverage Options: Liberty Mutual offers a wide range of coverage options, including liability, collision, and comprehensive coverage, as well as additional protections like accident forgiveness and deductible fund programs. Acura MDX owners can customize their policy to fit their specific needs.

Cons

• Higher Premiums: Liberty Mutual’s premiums tend to be higher than average, particularly for Acura MDX owners seeking full coverage, which could be a drawback for those looking for more affordable insurance options.
• Inconsistent Customer Service: Liberty Mutual’s customer service reviews are mixed, with some Acura MDX owners reporting long wait times or dissatisfaction with claim resolution, which could impact the overall experience.

#8 – Geico: Best for Competitive Rates

Pros

• Competitive Rates: Geico is known for offering some of the most competitive rates in the industry, making it a top choice for Acura MDX owners looking for affordable insurance without sacrificing coverage quality, as highlighted in the Geico car insurance review.
• User-Friendly Online Tools: Geico provides a highly intuitive online platform and mobile app, allowing Acura MDX owners to easily manage their policies, file claims, and track discounts. This is particularly appealing to tech-savvy drivers who prefer a digital-first experience.
• Multi-Policy Discounts: Geico offers significant discounts for bundling Acura MDX auto insurance with other types of insurance, such as homeowners, renters, or motorcycle insurance, providing an opportunity for Acura MDX owners to save money by consolidating their insurance needs.

Cons

• Rate Increases: Some Acura MDX owners have reported unexpected rate increases after filing claims or after their policy renews, which could lead to higher costs over time.
• Average Coverage Options: While Geico offers standard coverage options, their offerings may not be as extensive or customizable as those from competitors like State Farm or Allstate, which might be a consideration for Acura MDX owners seeking more specialized coverage.

#9 – Erie: Best for Comprehensive Coverage Options

Pros

• Comprehensive Coverage Options: Erie Insurance offers a wide range of coverage options, including collision, comprehensive, liability, and uninsured/underinsured motorist coverage. Acura MDX owners can also benefit from additional protections like personal injury protection (PIP) and new car replacement coverage, ensuring that all aspects of Acura MDX vehicle protection are covered.
• Competitive Rates: Erie is known for offering competitive rates, especially for Acura MDX drivers with clean driving records. This makes Erie a strong contender for those looking to save on insurance costs without sacrificing coverage quality.
• First Accident Forgiveness: Erie’s first accident forgiveness program is a significant benefit for Acura MDX owners, as it prevents your premium from increasing after your first at-fault accident. This is especially valuable for Acura MDX drivers who want to avoid sudden rate hikes after an unfortunate event.

Cons

• Higher Premiums for Younger Drivers: Erie tends to charge higher premiums for younger Acura MDX drivers, which might make it less appealing for families with teenage drivers or younger policyholders who are looking for more affordable options, as detailed in the Erie car insurance review.
• Limited Online Tools: While Erie offers some online tools, their digital offerings may not be as advanced or user-friendly as those provided by larger national insurers, which could be a drawback for tech-savvy Acura MDX owners.

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#10 – USAA: Best for Military-Specific Benefits

Pros

• Military-Specific Benefits: USAA offers unique benefits for military members and their families, such as deployment discounts, which can provide additional savings for Acura MDX owners who are active-duty military personnel, as detailed in the USAA car insurance review.
• Competitive Rates: USAA is known for offering highly competitive rates, especially for Acura MDX drivers who are members of the military or their families. This makes USAA an attractive option for those looking to save on insurance costs while enjoying comprehensive coverage.
• Comprehensive Coverage Options: USAA provides a wide range of coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Acura MDX owners can also benefit from additional protections like rental car reimbursement, roadside assistance, and new car replacement coverage, ensuring that all aspects of Acura MDX vehicle protection are covered.

Cons

• Eligibility Requirements: USAA is only available to military members, veterans, and their families, which limits access to their competitive rates and benefits for Acura MDX owners who do not meet these criteria.
• Telematics Privacy Concerns: Although USAA’s SafePilot program offers discounts, some Acura MDX owners may have privacy concerns about the use of telematics devices to monitor driving behavior.

Insurance Pricing for Acura MDX

Finding the right insurance for your Acura MDX involves balancing coverage and cost. State Farm stands out as the top choice, offering competitive rates starting at $133 while delivering extensive coverage options.

With a strong reputation for financial stability and local agent support, State Farm is an excellent option for Acura MDX owners seeking both affordability and reliability in their insurance policy. Discover our comprehensive guide to “How do you get cheaper car insurance quotes?”  for additional insights.

Acura MDX Car Insurance Monthly Rates by Coverage Level & Provider

The average car insurance costs for a Acura MDX are $1,468 a year or $122 a month.

Choosing the best insurance for your Acura MDX ensures you’re protected without overpaying. State Farm leads the way with its attractive rates and comprehensive coverage, providing peace of mind for your valuable vehicle. Explore your options with State Farm to secure the best insurance plan for your Acura MDX today.

High Insurance Costs Associated with Acura MDXs

The chart below provides a comprehensive comparison of Acura MDX insurance rates in relation to several other popular SUVs, including the Infiniti QX60, Chevrolet Traverse, and Toyota Sequoia.

It illustrates how the insurance costs for the Acura MDX stack up against these comparable vehicles, offering a detailed overview of differences in premium rates and coverage options. This comparison can help you assess whether the Acura MDX insurance rates are competitive or higher compared to similar SUV models.

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Factors Affecting Acura MDX Insurance Costs

The cost of insuring an Acura MDX can be influenced by various factors, such as your age, driving history, location, and the specific model year of your vehicle. Each of these elements affects the overall insurance rates you will encounter.

Understanding how these factors interplay can help you better anticipate and manage your insurance expenses. Learn more by visiting our detailed “Factors That Affect Car Insurance Rates” section.

Age of the Vehicle

Older Acura MDX models generally cost less to insure. For example, car insurance rates for a 2020 Acura MDX are $1,468, while 2010 Acura MDX rates are $1,192, a difference of $276.

Driver Age

Driver age can have a significant effect on the cost of Acura MDX car insurance. For example, a 20-year-old driver could pay around $150 more each month for their Acura MDX car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Acura MDX insurance rates. For example, drivers in Los Angeles may pay $807 a year more than drivers in Phoenix.

Vehicles are essential to everyday life in today’s society. Car insurance is an additional expense vital to keeping those vehicles running smoothly.

Once you’ve found your dream car and spent a large amount of money on it, it’s important that you purchase the right amount of coverage to keep you and your family safe in case of an accident.

You’ve just bought your brand new Acura MDX; now it’s time to insure it.

Read on to learn all about auto insurance for the Acura MDX and then enter your ZIP code in for a free car insurance rate comparison!

Your Driving Record

Your driving record can have an impact on the cost of Acura MDX auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Acura MDX car insurance with violations on their driving record.

Safety Ratings for the Acura MDX

The 2010 Acura MDX also received a five-star rating from the NHTSA during crash safety testing in frontal and side impacts.Five stars is the highest rating given from the NHTSA for safety.

The Acura MDX earned four out of five stars in a roll-over crash. This high rating alone may help reduce your auto insurance rate significantly. Dive deeper into “Safe Driver Car Insurance Discounts” with our complete resource.

Your Acura MDX auto insurance rates are influenced by the Acura MDX’s safety ratings. See the breakdown below:

Test Type	Rating
Small overlap front: driver-side	Good
Small overlap front: passenger-side	Not Tested
Moderate overlap front	Good
Side	Good
Roof strength	Good
Head restraints and seats	Good
Source: Insurance Institute for Highway Safety

Acura MDX Crash Test Ratings

Acura MDX crash test ratings can impact the cost of your Acura MDX car insurance. See Acura MDX crash test results below:

Acura MDX Safety Features

Acura MDX safety features can lower the cost of your insurance. The safety features for the 2020 Acura MDX include:

• Driver Air Bag
• 4-Wheel ABS
• Electronic Stability Control
• Daytime Running Lights
• Child Safety Locks

Many features on your new Acura MDX enhance the safety of the driver and passengers and can lower your insurance rate considerably. Some of these important features include:

• Anti-Lock Brakes
• Advanced six-air bag system
• Three-point seat belts for all passengers
• Child restraint system in the rear seat
• Anti-theft security system
• Brake Assist for emergency stopping

Some features can be added when purchasing your new Acura that can also help increase your safety and possibly lower your insurance rate.

These features include:

• Collision Mitigation Braking System – Warns the driver when a frontal collision is possible and helps slow the vehicle down.
• Blind Spot Information System – Allows the driver to know through a warning light when there is an object that he cannot see.

Acura MDX Insurance Loss Probability

Another contributing factor that plays a direct role in Acura MDX insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category	Loss Rate
Collision	-27%
Property Damage	-20%
Comprehensive	2%
Personal Injury	-37%
Medical Payment	-44%
Bodily Injury	-37%
Source: Insurance Institute for Highway Safety

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Acura MDX Finance and Insurance Cost

When financing an Acura MDX, lenders typically require that you carry comprehensive insurance coverage to protect your investment. It’s essential to explore various coverage options and compare rates to ensure you get the best deal.

Utilize our free tool below to evaluate Acura MDX car insurance rates from top providers and find the most competitive offers for your needs. Expand your understanding with our thorough “Where can I easily finding quick car insurance quotes?” overview.

Strategies for Reducing Acura MDX Insurance Costs

When insuring an Acura MDX, various strategies can help lower your insurance costs. From leveraging discounts to adjusting your coverage levels, exploring these options can make a significant difference in your premiums.

There are many ways that you can save on Acura MDX car insurance. Below are five actions you can take to find cheap Acura MDX auto insurance rates.

• Ask About Mature Driver Discounts for Drivers Over 50
• Re-Check Acura MDX Quotes Every 6 Months
• Move to an Area with a Lower Cost of Living
• Buy a Dashcam for Your Acura MDX
• Ask for a New Acura MDX Auto Insurance Rate Based on Your Improved Credit Score

By implementing these strategies, you can effectively reduce the cost of insuring your Acura MDX. Start exploring your options today to find the best rates and ensure you’re getting the most value from your insurance policy. For more information, explore our informative “16 Ways to Lower the Cost of Your Insurance” page.

Top Acura MDX Insurance Companies

Several leading car insurance providers present competitive rates specifically for the Acura MDX, reflecting various factors such as discounts for advanced safety features and other vehicle-specific criteria. Insurance premiums are influenced by multiple elements, including the availability of savings for safety and security enhancements unique to the Acura MDX.

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Finding Affordable Car Insurance Rates for an Acura MDX

Securing affordable car insurance for your Acura MDX involves comparing rates from various insurers, considering discounts, and understanding factors influencing premiums.

By exploring different options and leveraging available savings, you can find competitive rates that fit your budget. Get more insights by reading our expert “Cheap Car Insurance” advice.

To find the best deals on Acura MDX insurance, compare quotes from multiple providers and take advantage of discounts. Using these strategies will help you secure affordable coverage tailored to your needs.

Get Free Quotes for Acura MDX Insurance Online

Finding the right insurance for your Acura MDX is essential for protecting your investment and ensuring peace of mind on the road. By comparing free quotes online, you can easily identify the best coverage options and rates available.

This approach allows you to make informed decisions tailored to your specific needs and budget. Save on your Acura MDX car insurance rates by taking advantage of our FREE comparison tool.

Exploring free online quotes for Acura MDX insurance is a smart and efficient way to secure the best deal. By taking advantage of these resources, you can compare options and find the coverage that best fits your requirements, ultimately saving you time and money on your insurance policy. Explore our detailed analysis on “Finding Free Car Insurance Quotes Online” for additional information.

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