Which Acura Has the Lowest Insurance Rate?

If insurance cost is an important part of your Acura purchase, the Acura RDX is generally the least expensive current Acura to insure.

Published insurance-rate comparisons consistently place the RDX below models such as the MDX, Integra, and performance-focused Type S models. Exact premiums vary by driver, location, coverage, deductible, and insurer, but the RDX stands out as the strongest option for buyers looking to keep insurance costs manageable.

Which Acura Is Cheapest to Insure?

Among Acura models currently in production, the Acura RDX typically has the lowest average insurance rate.

Here is a general comparison based on published full-coverage insurance estimates:

Acura Model	Estimated Annual Full Coverage
Acura RDX	About $2,159
Acura MDX	About $2,376
Acura Integra	About $2,598
Acura TLX*	About $2,668
Acura Integra Type S	About $3,210

*The TLX is no longer part of Acura’s current new-vehicle lineup but remains widely available on the used market.

Insurance rates vary considerably, so use these numbers as comparison points rather than guaranteed premiums.

Why Is the Acura RDX Cheaper to Insure?

The RDX benefits from a combination of factors that can help keep insurance costs lower than other Acura models.

Moderate Vehicle Value

The RDX sits in the middle of Acura’s lineup in terms of price. It offers premium features without reaching the higher replacement values associated with expensive MDX trims or Acura Type S models.

A lower vehicle value can reduce an insurer’s potential payout if the vehicle is stolen or declared a total loss.

Strong Safety Performance

The RDX performs well in independent crash testing and includes a broad range of driver-assistance technology.

AcuraWatch safety features available on the RDX include systems such as:

• Collision Mitigation Braking System
• Road Departure Mitigation
• Adaptive Cruise Control
• Lane Keeping Assist
• Forward Collision Warning

Safety equipment does not automatically guarantee a lower premium, but crash performance and collision-avoidance technology contribute to the overall risk profile insurers evaluate.

Established Insurance History

The RDX has been on the market for many years.

That gives insurance companies substantial claims data covering collision frequency, repair costs, theft, injuries, and total-loss rates. More established loss history can make pricing more predictable than it is for a completely new model.

Less Performance Focus

The RDX delivers strong performance without being positioned as a dedicated high-performance Type S vehicle.

Performance models often cost more to insure because they can have more horsepower, more expensive brakes and suspension components, larger wheels and tires, and higher repair costs.

Acura RDX vs. MDX Insurance Cost

The Acura MDX is another relatively affordable Acura to insure, but average rates are generally higher than those for the RDX.

Published estimates place MDX full coverage at roughly $2,376 per year, compared with approximately $2,159 for the RDX.

The difference is understandable. The MDX is a larger three-row SUV with a higher starting price, and upper trims can become considerably more expensive.

For buyers who need more passenger space, the MDX can still provide a reasonable balance between luxury, practicality, and insurance cost.

If three rows are not necessary, however, the RDX will generally be the better choice for keeping both purchase price and insurance costs lower.

Acura ADX Insurance Cost

The newer Acura ADX is also worth considering.

Its lower starting price suggests that it could become one of the more affordable Acura vehicles to insure. Some current estimates already place it close to the RDX and MDX.

One important difference: the ADX is much newer.

Insurance companies have less historical claims data for the ADX than they do for the RDX or MDX. Premiums could therefore continue to change as insurers collect more information about repair costs, accident frequency, theft claims, and other losses.

For buyers considering an ADX, getting an insurance quote for the exact vehicle before purchasing is especially important.

Acura Integra Insurance Cost

The Acura Integra is relatively affordable to purchase, but that does not necessarily make it the cheapest Acura to insure.

Published averages generally place the Integra above the RDX and MDX.

This is a good example of why insurance costs do not follow vehicle prices exactly.

Insurers also consider:

• Performance
• Claims frequency
• Driver demographics
• Repair costs
• Theft rates
• Replacement parts
• Safety history

The performance-oriented Integra Type S can be substantially more expensive to insure than the standard Integra because of its higher horsepower, higher vehicle value, and more expensive performance components.

What About Older Acura Models?

Used Acura shoppers may find even lower insurance costs.

Some insurance comparisons place the discontinued Acura TSX below the RDX because older vehicles generally have lower replacement values.

That means there are really two answers to the question:

Shopping Situation	Acura With Lower Insurance
Current Acura models	Acura RDX
Older used Acura models	Acura TSX may be cheaper

 

An older Acura will not automatically have cheap insurance. Repair costs, theft history, location, driver history, and coverage choices still matter.

What Affects Acura Insurance Rates?

The Acura model you choose matters, but several personal factors can have an even larger impact on the final premium.

Driving Record

Drivers with accidents, speeding tickets, or serious violations generally pay more.

A driver with a clean record may pay less to insure an MDX than another driver pays for an RDX.

Location

Insurance rates can change dramatically between states, cities, and ZIP codes.

Insurers consider local accident rates, vehicle theft, vandalism, repair expenses, weather claims, and medical costs.

Age and Driving Experience

Younger and less experienced drivers typically pay higher premiums because they represent a greater statistical claims risk.

Coverage and Deductible

Higher liability limits and lower deductibles generally increase premiums.

Choosing a higher comprehensive or collision deductible may reduce monthly insurance costs, although it also increases what you would pay after a claim.

Exact Acura Trim

Do not assume every version of the same Acura will have the same rate.

An insurer may price an RDX Technology, RDX A-Spec, Integra, and Integra Type S differently based on vehicle value, equipment, repair costs, and claims history.

How to Get the Lowest Acura Insurance Rate

The best way to control insurance costs is to compare quotes before buying the vehicle.

We recommend getting quotes for the exact year, model, trim, and VIN whenever possible.

Compare policies using identical:

• Liability limits
• Collision deductibles
• Comprehensive deductibles
• Uninsured motorist coverage
• Rental coverage
• Additional policy options

It is also worth checking available discounts for safe driving, multiple vehicles, home and auto bundling, low annual mileage, automatic payments, and vehicle safety equipment.

The cheapest insurance company for one driver may be hundreds of dollars more expensive for another, even when both own the same Acura.

Insurance should be treated as part of the vehicle’s total ownership cost.

Which Acura Has the Lowest Insurance Rate?

For buyers shopping Acura’s current lineup, the Acura RDX is the strongest choice for lower insurance costs.

It consistently compares favorably with the MDX, Integra, and Acura’s performance-oriented models while still offering the safety technology, comfort, performance, and premium features expected from the brand.

Used-car shoppers may find lower premiums on older models such as the TSX. Still, for a current Acura, the RDX is generally the model to start with if insurance affordability is a priority.

Before choosing any vehicle, get quotes for the exact model and trim. The difference between insurers can be just as significant as the difference between Acura models.

Frequently Asked Questions

Which Acura has the lowest insurance rate?

Among Acura models currently in production, the Acura RDX generally has the lowest average insurance cost.

Is the Acura RDX expensive to insure?

Compared with other Acura models, the RDX is usually relatively affordable to insure. Published estimates often place it below the MDX, Integra, TLX, and Acura Type S models.

Is the Acura RDX cheaper to insure than the MDX?

Usually, yes. National insurance comparisons generally show lower average premiums for the RDX than the MDX.

Is the RDX cheaper to insure than the Integra?

Published insurance averages generally indicate that it is. The Integra can cost more to insure despite having a lower purchase price.

Which Acura is most expensive to insure?

Performance-oriented models such as the Integra Type S tend to sit toward the higher end of Acura insurance costs.

Are older Acuras cheaper to insure?

They can be. Older models such as the Acura TSX may cost less because their replacement value is lower, although the driver’s profile and the vehicle’s claims history still matter.