The Acura NSX is a luxury sportscar that’s relatively cheap to insure for such a luxury ride. The average insurance costs for an Acura NSX is $191 a month, or $2,292 a year.
With a base price of $156,000, the annual insurance cost-to-base car price ratio is 1.5%, much lower than the national average of 4%. Filter car insurance companies by your state to get a quote.
Regardless of what vehicle you drive, compare your options to find the best provider and coverage for your situation. But when it comes down to it, you may feel like all of your options seem the same. Here are a few things that you should consider when comparing car insurance for your Acura NSX:
Price. The NSX is a substantial purchase, making it even more important that you choose the right policy. Instead of making your decision based on price, determine exactly how much coverage you need, then shop around for the best price.
Deductible. Repairing an NSX might be expensive, so you definitely don’t want to be on the hook for the bill. Find a policy with a deductible that works for your budget. If it’s too high and you may end up paying out of pocket, too low and you could end up paying higher premiums.
Minimum coverage. Minimum coverage varies among states. Make sure your coverage meets your state’s requirement.
Additional coverage. Some insurance companies offer additional coverage like personal injury or uninsured motorist coverage. If this is a priority for you, make sure your provider has options available.
Extras. Whether you want extra coverage for your expensive tires and rims or no-deductible glass repairs, make sure to explore the extra coverage options each provider offers.
Restrictions. Since the NSX is a sports car, some providers may have restrictions on what you can and can’t do. Ask about restrictions to prevent violating the terms of your policy and losing coverage.
Manufacturer offer or loyalty discount. Some manufacturers may offer discounts or special offers through specific providers. Check with Acura and any potential providers to see if any apply to you.
Warranty. Check with your manufacturer to make sure there’s no overlap between manufacturer warranty and extended coverage options from your provider.
Expertise. Some providers specialize in exotic car insurance, designed directly for cars like the Acura NSX. These providers might be able to offer better rates, increased coverage or other features that are ideal for this type of vehicle.
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What factors affect car insurance for Acura NSX?
There are several factors that influence the price you pay for car insurance. Whether you’re trying to find coverage for an Acura NSX or a Mini Cooper, here are some of the things that insurance providers consider when determining your rate:
Body type. The body type of your vehicle plays a large role in the price you pay for insurance. The NSX’s sporty aesthetic is expensive to produce, meaning it may be more expensive to insure compared to a sedan or SUV.
Type of car. The NSX is an exotic sports car, which could indicate a higher risk of collisions considering its design and power.
Theft. Although sedans are typically the most frequently stolen type of vehicle,
Repairs. The NSX has elaborate features and expensive parts that may make it difficult to repair. This may make it may be more expensive to insure since repairs will require an experienced technician and parts may be harder to find.
Safety ratings. While Acura is well known for great safety ratings, the NSX is a performance car that lacks active safety features that may be found on the luxury Acura RLX. This may increase the cost of insurance.
Usage. When you insure a sedan or SUV, most providers can expect you’ll use vehicle for commuting or errands. However, with an exotic car like the NSX, insurers might charge a premium based on the fact that it may be driven more for pleasure, as that could increase the risk of accidents.
Engine type. Hybrid and electric vehicles can be more expensive to insure because parts cost more and service may require a trained technician.
How do trim packages and extra build options affect insurance cost?
The trim and packages on your Acura NSX can influence the price you pay for auto insurance. If you choose packages that can make your vehicle safer to drive, you may see a rate decrease.
However, if you choose to upgrade your engine or add a sports package, the increased power could lead to higher premiums. Here are a few of the packages available on the Acura NSX:
Brakes. This option may provide better stopping power, but with an almost $10,000 price tag, may also raise your premiums to align with the increase in your car’s value.
Wheels. Upgraded wheels offer a sportier look for your Acura NSX, but at $10,000, you might end up paying more for insurance.
Sports package. This lightweight, aerodynamic package helps to increase performance, which could raise the cost of insurance.
Technology package. This package adds a number of features that enhance the driving experience including proximity sensors that may decrease your rates by lowering your risk of collisions.
Wheel locks. These locks make it much harder for anyone to steal your wheels and many providers will provide a discount on auto insurance if you have them installed.
Acura NSX money-saving safety features
You could save money on car insurance for your Acura NSX if it comes equipped with these safety features.
Airbags
Antilock brakes
Daytime running lights
Proximity sensors
Wheel locks
Does the Acura NSX qualify for auto insurance discounts?
Many providers will offer discounts based on the vehicle that you insure. While exact discounts may vary depending on your location, choice of provider and more, there are some that should apply to the Acura NSX:
Acura has a reputation for reliable vehicles, and the NSX is no exception. Most exotic cars aren’t meant to be used as daily drivers: They’re bumpy, loud and need frequent maintenance.
The Acura NSX is another story. It’s comfortable, reliable and suitable for frequent use.
At the time of writing, there have been no recalls on 2017 Acura NSX models. However, Acura released a service bulletin to address a faulty thermostat that caused engine coolant to heat too quickly.
In 2005, Acura recalled 3.7 million 1991 NSXs for faulty buttons on seatbelt buckles, and in 2020 recalled 2018-2019 NSX models for failing fuel pumps.
How safe is the Acura NSX?
Acura’s vehicles are generally considered very safe. While the NSX is no exception, remember that it’s a performance vehicle, meaning it might have fewer safety features than Acura MDX models, for example. However, here are some of the safety features you can expect:
Antilock brakes. This feature senses when a tire has stopped rotating when braking and will adjust brake pressure to allow the tire to rotate, increasing your ability to turn while braking.
Stability control. This feature reduces engine power and/or applies brakes to help prevent the driver from losing control of the vehicle.
Front-impact airbags. These airbags are designed to protect the driver and passenger’s heads during a frontal crash.
Side-impact airbags. Side-impact airbags for the front seats protect the torso during a side impact collision.
Overhead airbags. This feature is used to protect the occupant’s heads in the event of a side collision or rollover.
Knee airbags. These airbags help to protect the occupants’ lower body in the event of an accident.
Pretensioners. This feature automatically tightens seatbelts to help the occupants safely brace for a collision.
Security system. The vehicle is equipped with a system to detect break-ins or theft. The vehicle is outfitted with a device that will prevent the engine from starting if the correct original manufacturer key is not used.
Unfortunately, there isn’t enough data to provide safety ratings at this time. Neither JD Power or the NHTSA have rated the 2019 Acura NSX yet.
Acura NSX maintenance
Like most exotic cars, the NSX requires a bit of maintenance to ensure it runs smoothly and lasts as long as possible. Here’s what to expect with an Acura NSX:
The Maintenance Minder program lets you know when your NSX is due for service. This includes things like replacing your oil, adding coolant, and so on.
An oil change for an Acura NSX costs about $100 from a mechanic or around $150 and up from a certified Acura dealer.
The 2017 Acura NSX gets 21 MPG in the city and on the highway.
The NSX is a bit more complicated than other Acura models, so you may want to consider bringing it to an official Acura dealership for service. However, your warranty will stay intact if you choose to go elsewhere.
The 2017 Acura NSX comes with a four-year/50,000-mile basic warranty and a six-year/70,000-mile powertrain warranty. However, Acura also offers multiple extended warranty options.
What about an extended warranty for the Acura NSX?
While Acura has a reputation for reliable vehicles, the NSX is a performance car that might take more of a beating than your average vehicle. The standard warranty is great, but for such an expensive ride, you may want to consider buying an extended warranty in case something happens after the initial warranty period ends. Acura offers numerous extended warranty options on its other models, but you’ll need to speak with your dealer for extended warranty information on the NSX.
About the Acura NSX
The Acura NSX has been around since 1991 and was discontinued in 2005, before making its new debut in 2017. The car was designed as a classic sports car with the latest advance technology for an extraordinary driving experience. The 2017 Acura NSX model is the only supercar that was designed and manufactured in America.
Insurance companies determine the insurance cost for Acura NSX based on safety and theft ratings, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location.
If you’re considering an Acura NSX, grab quotes from several insurance companies to find the lowest premium possible before you commit. Do your research to see if you qualify for insurance discounts.
Bottom line
The Acura NSX will cost about $1,000 more than the national average to insure, but that’s about what you would pay to insure an Acura MDX anyway. Either way, your actual rates might vary according to your age, location and a handful of other factors.
While you can expect to pay more for maintenance, insuring an Acura NSX isn’t all that expensive, especially if you consider a provider that offers high-performance or exotic car insurance. Before choosing a provider and policy, be sure to compare your options to find the coverage you need at a price that fits your budget.
Frequently asked questions about the Acura NSX
Why is it hard to find information on recent Acura NSX models?
The 2017 and 2018 Acura NSX are second-generation models of the original NSX released in 1991. When searching for information regarding the new Acura NSX, make sure to include the model year or second generation in your search.
What benefit is there to choosing an exotic car insurance policy over standard coverage?
It depends on the provider. Some companies claim to save you up to 40% for exotic car coverage compared to the cost of a standard auto insurance policy.
These providers often offer additional services and agreed value coverage which you might not find elsewhere. However, there’s no harm in comparing your options with larger providers too, you might find something better suited for your situation.
How do I find out my state’s minimums for car insurance?
Learn more about state coverage minimums state coverage minimums here. Regardless which provider you choose, it’s important that you pick a policy that fulfills your state’s minimum requirements. Price should be a secondary consideration.
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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