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Acura RDX insurance rates

Average Acura RDX insurance rates

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On average, auto insurance for a 2017 Acura RDX costs about $153 a month – or $1,836 per year. It’s about $500 above the national average of $1,318, similar to Florida’s $1,830 average or Maryland’s $1,810. However, your location plays a significant role in how much you’ll pay for insurance, along with a number of other factors including your age, driving history, and more. Filter car insurance companies by your state to get a quote.

Shopping for auto insurance can get confusing. Many providers seem to offer similar policies, discounts, and features, making it difficult to compare your options. Regardless of what vehicle you drive, there are a number of factors you should take into consideration when choosing a provider and policy. Here are a few tips:

  • Price. Price is an extremely important consideration when shopping for insurance. Be sure to compare rates from different providers and look into available discounts to reduce your premiums.
  • Deductible. Your deductible amount can influence the price you pay for auto insurance. If your provider allows it, consider increasing or reducing the amount to meet your budget.
  • Minimum coverage. Make sure your coverage meets your state’s minimum requirements, otherwise it’s illegal to drive your vehicle on public roads.
  • Additional coverage. If you need additional coverage such as personal injury or uninsured motorist, make sure your desired provider has these options available.
  • Extras. Many providers offer extras such as tire and rim insurance or no-deductible glass repairs. Make sure to find a provider that offers these extras if they’re important to you.
  • Restrictions. Always be aware of any potential restrictions when you choose a provider. This can include reduced coverage based on where you’re driving, ridesharing, and more.
  • Manufacturer offer or loyalty discount. Some manufacturers offer discounts or special programs through partnerships with insurance providers. Check with Acura to see if any offers apply to you.
  • Warranty. You may get special features like new coverage from Acura when you purchase a new vehicle. Be sure to speak with the manufacturer and potential providers to ensure there is no overlap.
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What factors affect car insurance rates for Acura RDX?

Auto insurance providers consider a handful of factors when determining your premiums. While driver details, location, policy options and other variables can influence your rates, the type of vehicle you drive also plays a part. Here’s how the Acura RDX measures up:

  • Body type. The RDX is considered a compact SUV, which is often cheaper to insure than medium-sized SUVs like the Acura MDX. This is based on things like cost of repairs, passenger safety in the event of an accident and more.
  • Type of car. SUVs are often considered lower risk than sports cars and coupes, making them cheaper to insure compared to something like the NSX.
  • Theft. SUVs are stolen less frequently than sedans, which may make them more affordable to insure.
  • Repairs. The Acura RDX is produced both in the US and abroad, making it easy to get a hold of parts and service. However, it’s a luxury SUV, so body damage could be expensive to repair.
  • Safety ratings. The RDX has great safety ratings and crash test results which may reduce the overall cost of auto insurance.

How do trim packages and extra build options affect insurance cost?

The trim and packages on your Acura RDX can also influence the price you pay for auto insurance. Depending on the options, packages can make the vehicle more comfortable, reduce the risk of collisions, or make it safer overall, which could translate to lower premiums. However, if you install a sports package or opt for a larger engine, you may end up paying more for insurance due to increased value and more horsepower. Here are a few of the options available on the Acura RDX:


  • Tech. This package includes a navigation system, blind spot information system, cross traffic monitor system, and more. With the help of these features, your RDX may be safer to operate, which could translate to cheaper premiums.
  • Elite. Front and rear parking sensors, fog lights, and auto-dimming side mirrors can help increase visibility, in turn reducing your auto insurance rates.


  • Trailer hitch. While this feature may be convenient, it might also pose a higher risk of damaging your vehicle if you plan on doing a lot of towing. Therefore, you might see an increase in your premiums.
  • Alloy wheels. Upgrading your wheels is expensive and might increase the chances of them being stolen. Therefore, you might end up paying more on your auto insurance.
  • LED fog lights. Fog lights drastically increase visibility, making for a safer drive and reducing the risk of accidents. Installing this feature might get you better rates on insurance.
  • Wheel locks. This feature makes it much harder to steal your wheels and many providers recognize that. You can probably get a discount on your auto insurance policy if you have them installed.

Acura RDX money-saving safety features

You could save money on car insurance for your Acura RDX if it comes equipped with these safety features.

  • Anti-lock brakes
  • Anti-theft device
  • Passive restraints
  • Adaptative cruise control
  • Lane departure system
  • Daytime running lights

Does the Acura RDX qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Acura RDX:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Usage or low mileage discount
  • Emergency roadside assistance discount

How reliable is the Acura RDX?

Acura is well known for reliable vehicles and the RDX is no different. According to JD Power and US News, recent models received 3 and 4 out of 5 possible stars. While these ratings aren’t outstanding, they demonstrate that the Acura RDX is on par or above average compared to similar SUVs. In fact, US News ranks the #1 out of 15 in luxury compact SUVs.

There are a number of recalls on the Acura RDX, with causes ranging from minor labeling issues to major transmission defects. Affected model years fall between 2006-2016:

  • 2016: Information on certain certification labels may be easily wiped away, preventing the operator from accessing important information.
  • 2013: If the gear selector is moved from park without pressing the brakes, the vehicle may be able to roll away.
  • 2007-2016: Driver side airbag inflator module could rupture and release metal fragments in the event of a crash.
  • 2007: Incorrect certification labels may have been applied to tires and rims that should not have received them.
  • 2006: Trailer hitches may have been improperly welded, which could lead to major accidents if the hitch were to break while towing.

The Acura RDX doesn’t have very many complaints or issues from owners. While the 2016 model has the most issues overall, the model 2015 is considered the worst due to higher repair costs. Issues with the 2016 model include squealing brakes, trouble starting, and lane keep system malfunctions.

How safe is the Acura RDX?

Acura has a great reputation for safe vehicles and the RDX is no exception. According to the Insurance Institute for Highway Safety, the 2018 RDX was the top safety pick for midsize luxury SUVs. Additionally, the National Highway Traffic Safety Administration gave it a perfect 5-star safety rating, while U.S. News gave it 9.7 stars out of 10.

Acura RDX maintenance

Routine maintenance can help ensure that your Acura RDX lasts as long as possible. Here’s what to expect in terms of maintenance costs, mileage, and more.

  • An oil change for an Acura RDX generally costs about $80 from a mechanic or a bit more from an Acura dealership.
  • The 2018 Acura RDX gets an average of 23 miles per gallon, with 20 in the city and 28 on the highway.
  • Acura recommends that customers have their vehicle serviced at an official Acura dealer, but if you choose to take it elsewhere, your warranty will NOT be voided.
  • The 2018 Acura RDX comes with Acura’s standard four-year/50,000-mile basic warranty and six-year/70,000-mile powertrain warranty. However, Acura also offers multiple extended warranty options.

Is an extended warranty worth it for the Acura RDX?

Acura has a reputation for reliable vehicles but if you plan on owning your vehicle for a long period of time, parts may break after your warranty is up. If you choose to get an extended warranty, Acura offers a number of options that are available at the time of purchase, or at a later date for an added fee. The rates below are offered to customers who purchase an extended warranty within 60 days of vehicle purchase.

5 year / 100,000 km$808$1,288$1,448$1,788$2,258
6 year / 100,000 km$1,068$1,718$1,938$2,148$2,798
6 year / 160,000 km$1,458$2,478$2,688$2,968$3,878
7 year / 130,000 km$1,398$2,328$2,538$2,798$3,618
7 year / 160,000 km$1,608$2,868$3,078$3,408$4,418
7 year / 200,000 km$1,998$3,228$3,768$4,098$5,388
8 year / 200,000 km$2,328$3,768$4,378$4,848$6,358
Standard warranty coveragePlus extended warranty coverage
Climate control4 year / 80,000 km7 year / 200,000 km
Security System4 year / 80,000 km7 year / 200,000 km
Brakes4 year / 80,000 km7 year / 200,000 km
Electrical4 year / 80,000 km7 year / 200,000 km
Suspension4 year / 80,000 km7 year / 200,000 km
Steering4 year / 80,000 km7 year / 200,000 km
Fuel System4 year / 80,000 km7 year / 200,000 km
Powertrain5 year / 100,000 km7 year / 200,000 km

About the Acura RDX

The Acura RDX has been around since 2007. The Acura RDX model is among one of the top compact luxury SUVs in America, with over 52,000 sales in 2016. The Acura RDX was awarded a five-star overall safety rating from the National Highway Traffic Safety Administration and is a Top Safety Pick+ by the Insurance Institute for Highway Safety for the 2017 model.

Insurance companies determine the insurance cost for an Acura RDX based on safety and theft ratings, replacement costs and overall damage susceptibility. Insurance rates can change based on your driving history and location. If you’re considering an Acura RDX, 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.

Compare Acura competitors

Want to see what else is out there? Explore other car manufacturers with similar vehicles or compare makes that are completely different.

Bottom line

While the Acura RDX could cost about $500 more than the national average to insure, it has a number of features that may be eligible for auto insurance discounts. Like many other Acura models, the RDX holds great safety ratings from many trusted sources. It’s worth noting that it’s classified as a midsize luxury SUV, which may play a part in the inflated insurance prices. However, the price you pay for insurance depends on a number of factors, so it’s important to compare your options to find out exactly how much you’ll pay based on your situation.

Frequently asked questions about the Acura RDX

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