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Acura insurance rates

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The average cost of insurance for an Acura is $166 per month or $1,992 a year. That’s right around the average insurance rate for most cars, making Acura one of the cheapest luxury car brands for insurance rates. Your exact cost will vary depending on multiple factors, including your location, your driving history, the model Acura you are purchasing and your age, among other factors.

ModelMonthly insurance rateBase car price
ILX$160$27,990
MDX$191$44,050
NSX$191.00$156,000
RDX$153$35,670
RLX$152$54,450
TLX$152$32,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Why are Acuras affordable luxury cars to insure?

Acura is Honda’s luxury line of vehicles. But despite it being a luxury brand, Acuras aren’t typically too expensive to insure.

Acuras are safe, reliable cars that often rate well with the National Highway Traffic Safety Administration, which makes them more affordable to insure. They’re also on the lower price range of luxury cars, which means repairs are cheaper too.

Are there any standout Acura models?

Acura also makes the NSX, which is a sports car that’s on par with Ferrari for both road performance and maintenance/repair costs — so the NSX is going to lend itself to higher insurance rates too, even though it’s an Acura.

Sports cars in general tend to be driven aggressively, putting them at a higher risk for accidents. Additionally, they tend to cost far more to maintain and repair than lower-end models from Acura, which raises the amount of the average insurance claim for people who drive the NSX.

Pros and cons of insuring an Acura

Pros

  • Acura’s advanced safety features make it a safer car to drive and less expensive to insure
  • Most Acuras are engineered and manufactured in the US, which contributes to a lower insurance premium
  • The reliability of Acuras will help to bring down your insurance costs

Cons

  • Considered a luxury vehicle, which are more expensive to insure

Acura car facts

  • Launched in the US in 1986, Acura is the luxury marque of Honda.
  • Acura was the first luxury car brand to be awarded top safety ratings throughout the entire model line.
  • The first Japanese luxury car brand, Acura’s success inspired other Japanese automakers Nissan and Toyota to also launch luxury brands.
  • Prices start at $28,000 and can go up to $156,000.
  • Approximately 154,602 Acura cars were sold in 2017.

What’s AcuraWatch?

AcuraWatch is a suite of safety and driver assistance technologies, including a collision mitigation braking system, adaptive cruise control, lane keeping assist and road departure mitigation. These features help to make your Acura as safe as possible.

AcuraWatch comes standard in every grade of MDX, Acura’s third-row SUV. Other Acura models can upgrade to the AcuraWatch Pus package for an additional cost. You can expect to pay $1,300+ depending on your model.

Bottom line

Most Acuras are not particularly expensive to insure because of their great safety features. But be sure to shop around to find the best car insurance for you.

Frequently asked questions about Acura cars

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