Compare Acura Car Insurance Rates (2023)

Acuras are a premium car brand that varies in cost to insure depending on what model you own. Rates will also change based on driver factors and your choice of an insurance company. Comparing Acura car insurance rates among the best car insurance companies will help you find the best deal on car insurance.

Continue reading to learn about Acura car insurance, from what car insurance coverages to carry to tips on saving.

Understanding Coverages for Acuras

Your car insurance rates are based partly on how much coverage you carry on your Acura. While it can be tempting to carry the bare minimum to get cheaper rates, carrying collision and comprehensive coverage is usually advisable to pay for your car’s repairs after accidents. If you have a lease or loan on your car, you will be required to carry them.

Both these coverages will protect you from various collision types and damages. Comprehensive covers a variety of situations, from animal collisions to weather damages, whereas collision coverage covers collisions with other vehicles and objects. So if you carry both coverages, your Acura’s repairs will be covered in a number of different accident types.

Besides collision and comprehensive coverage, the types of car insurance that most drivers will have to carry due to state regulations include liability insurance, medical insurance, and uninsured/underinsured insurance.

• Liability insurance helps pay others’ accident bills if you cause a wreck that injures others or damages their property.
• Medical payments insurance helps pay for your medical bills if you are injured in a car accident.
• Personal injury protection helps pay for your medical bills, lost wages, child care, and more if you are injured in a car accident.
• Underinsured motorist insurance helps pay your accident bills if the driver who hit your Acura doesn’t have enough insurance coverage.
• Uninsured motorist insurance helps pay your accident bills if the driver who hit your Acura doesn’t have car insurance.

You won’t have to carry all of the above coverages, but most states require at least a few. Make sure to check your state’s requirements to see what car insurance you absolutely have to carry on your Acura, and then you can make a decision on what other car insurance coverages you are willing to purchase.

Average Acura Car Insurance Rates

So how much will standard car insurance coverages cost for an Acura? The table below displays average rates for full coverage policies for Acura models and collision, comprehensive, and liability insurance.

[table “” not found /]

As we mentioned in our introduction, part of what rates are based on is the model of Acura you own. If you own an Acura NSX sports car, you will have more expensive car insurance rates than if you own a different Acura model. For example, if you have an Acura RDX, your car insurance rates will be half that of Acura NSX owners.

Insurance companies will also base your car insurance rates on your age and driving record, as you can see from the average rates displayed below.

[table “” not found /]

The reason younger drivers are charged more is that they don’t have as much driving experience as older drivers. And drivers with at-fault accidents, DUIs, or traffic tickets are more likely to file another claim in the future. Therefore, car insurance companies charge these drivers more.

Saving on Acura Car Insurance Rates

If you own a more expensive Acura model or simply want to reduce your rates, there are a few things to consider trying. First, if you are happy with your insurance policy, see if you can reduce your rates at your current company. One of the ways you can do this is by raising your deductible.

This is a quick and easy way to reduce your rates as you agree to take on more financial responsibility for repairs in a claim. However, if you already have an extremely high deductible, you probably shouldn’t raise it anymore and might want to look at our guide about how to lower your car insurance deductible. Instead, you should look into car insurance discounts to see if you missed any discounts that could be applied to your policy and reduce your rates.

There may be discounts you weren’t aware of because insurance companies don’t automatically apply all discounts unless you provide proof that you qualify. For example, you would have to provide a certificate of completion for a defensive driving course in order to qualify for a defensive driving discount.

If you are unable to reduce your car insurance rates at your current company, then the best option is to see if a different company offers a cheaper rate. Just make sure that you consider a company’s reputation and coverage options in addition to their rates before you sign up with a new company. Saving money on car insurance is always great, but if the new company is known for being difficult in paying out claims or has frustrating customer service, it may not be worth the extra hundred dollars saved a year.

The Final Word on Acura Car Insurance Rates

Some Acuras will be more expensive to insure, especially if you own a sports model Acura. Most drivers should be able to find savings on their Acura car insurance by looking for discounts, increasing deductibles, or getting quotes from different companies.

Drivers who want to jump right into comparing rates to find the best deal for their Acura can use our free quote comparison tool. It helps drivers find the best car insurance rates in their area so they can start saving immediately.