Buy Cheap Acura Auto Insurance in 2025

As a luxury vehicle, it’s no surprise that finding affordable Acura auto insurance can be more difficult than for a standard brand. Car insurance for Acuras averages $164 per month, which is higher than the national average.

Despite being more expensive on average, Acura auto insurance quotes are often less expensive than other luxury brands. Acura insurance is a bit more affordable for several reasons, primarily because of its excellent reliability and safety ratings.

Whether you need high-risk auto insurance or full coverage with all the add-ons, it’s not impossible to buy cheap Acura auto insurance. Read on to learn where to find the cheapest Acura auto insurance, then compare Acura auto insurance prices to find the best policy for you.

A Brief History of Acura

Acura’s beginnings are wrapped in secrecy. In fact, the entire company was born from secret night meetings between dedicated Japanese Honda engineers who exuded entrepreneurial spirit.

And they did.

This group of engineers went on to create a luxury and high-performance marque of Honda in 1986. And, in just under a year they set up dealerships and successfully launched two luxury classics, the Integra and the Legend.

Acura continues to stand out for its balanced blend of upscale sportiness and competitive pricing. Successful car markers only reach this level of recognition when a customer or third party attests to the vehicle’s reliability, performance, and safety. And each model of Acura comes with a different safety rating every year.

While many of us believe that average auto insurance rates are affected by age and driving record alone, that’s not exactly true. The make and model of your car and how safe it is plays a crucial role in setting insurance rates.

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Acura Car Insurance Rates

While you may or may not live in Oregon, we found that studies have shown their insurance rates are slightly lower than the national average. Therefore, we have chosen to calculate the price of insurance for each model of vehicle for an Oregon driver.
The calculation used the following criteria:

• Latest model
• 9,001 – 10,000 miles driven yearly
• Basic coverage
• No accidents in the past 5 years
• Driver located in Portland, Oregon
• Excellent credit

Here is how it breaks down by model:

Acura Auto Insurance Average Monthly Rates by Model

Tips to Buy Cheap Acura Auto Insurance

There is an algorithm that determines insurance rates, which is why to get the best rate possible, you need to optimize your hunt for your personal information. Like age, location, and driving infractions that could increase your rates.

• Where your permanent residence is: Last year Michigan was considered the most expensive state for auto insurance, and Ohio was the least expensive. Your rate could be impacted if you use your car for a basic commute in the suburbs versus a long commute through rush hour big-city traffic.
• Driving record: Traffic infractions can impact your insurance rates. If you get a violation, try to take advantage of court options to erase them from your record, such as traffic schools. A ticket can sometimes stick as long as five years, which is a long time to pay higher premiums.
• Credit score: Insurance companies keep careful track of claims, and the data shows that people with higher credit scores file fewer claims. It can be difficult to find cheap auto insurance for drivers with bad credit, but comparing quotes can help.
• Vehicle Value: While vehicle safety is high on the list of important factors, so is the value of the vehicle. Your insurance has to cover the value of your vehicle, so if the parts for your brand-new Maserati are more than your used Honda Civic, your insurance will cost more.

Auto Insurance Safety Experts

There are two excellent sources online that can give you a glimpse into how safe each vehicle is. The first of these is the Insurance Institute for Highway Safety (IIHS). Originally created in 1959 for insurance company interests, the organization is now an independent nonprofit that uses scientific research and education to reduce deaths, injuries, and property damage due to motor vehicle crashes.

With an easy-to-use “ratings” tool, their website offers access to a robust database for evaluating vehicles under two essential safety scales: crashworthiness (how well occupants are protected in a crash) and crash avoidance and mitigation (how well the vehicle can prevent an accident or lessen its severity). Across the board, Vehicles are given one of four grades: Poor, Marginal, Acceptable, or Good.

The second is the National Highway Traffic Safety Administration (NHTSA). If your choice is between two or three makes and models, the NHTSA may be the best resource for you. Their mission statement is “Through enforcing vehicle performance standards and partnerships with state and local governments, NHTSA reduces deaths, injuries and economic losses from motor vehicle crashes.”

Going one step further than the Insurance Institute for Highway Safety, their interactive “ratings” tool online allows for “vehicle comparison”, which comes in handy when you need to narrow down your options.

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Acura Safety By Model

MDX

The MDX is considered a Midsize luxury SUV and has high rankings in safety across all categories of crashworthiness, as well as superior ranking for crash prevention — earning it the Insurance Institute for Highway Safety Top Safety Pick+ for the past four years.

This SUV also ranks well for child seat accessibility. Though headlights rank as acceptable in safety, there may be some limitations to the vehicle’s low beams on straightaways and on gradual left turns. While this may not be a deal breaker, if you find yourself driving in the dark often you may want to read this detailed explanation of the ranking.

Historically, this vehicle has performed exceptionally well over the years. Earning the Insurance Institute for Highway Safety Top Safety Pick from 2012-2013.

Important note: There is a recall on the 2018 model of this vehicle. So, if you currently own an Acura MDX, look to see if your VIN is eligible. Use NHTSA’s search tool if you think your vehicle is at risk.

Read more: How To Use a VIN To Save on Auto Insurance

Acura TSX

This midsize 4-door luxury sedan ranks well for safety in the “crashworthiness” categories, though all 2009-2014 models do not score high for protection on the driver’s side when faced with dramatic head-on collisions.

Pre-2008 models have scored poorly for their protection for head restraints and seats, but newer models made over the past decade have received high ratings in both side crash protection and interior safety. There have been no recalls on the most recent 2014 model of TSX but if you own a 2011 model look to see if your VIN is eligible on the NHTSA site.

Acura RDX

Another Insurance Institute for Highway Top Safety Pick, this 2018 midsize SUV ranks high in all categories for “crashworthiness” and has a Superior rating in crash prevention. Paired with an acceptable safety rating for both child seat accessibility and headlights.

Dating back to 2013 models, this car has a high and reliable safety rating across the board. Earning the Top Safety Pick+ for both 2017 and 2016 models. No recalls have been flagged for the 2018 model, though there have been for the 2011 makes. Look to see if your VIN is eligible on the NHTSA site.

Acura ZDX

The latest model of the ZDX is a 2013 model. This 4-door midsize luxury SUV has had a fairly short lifespan as a car, the first model only dating back to 2010. The IIHS has very little information on the full safety rating for this vehicle, with only a few highly rated categories available and a basic level safety ranking in crash prevention.

The NHTSA has awarded this model a 5-star safety rating, and older models have still held their value. In fact, a used 2013 ZDX can be sold for nearly $25,000, proving the quality and reliability of ZDX is top-notch.

Still, some features of the ZDX have made a recall list, so look to see if your VIN is eligible on the NHTSA site.

Acura TL

Considered a midsize luxury sedan, the latest make, a 2014 TL model has high safety rankings during a crash with either front, side, or rollover impacts—receiving the Insurance Institute for Highway Safety Top Safety Pick.

Though, according to NHTSA, the TL 2014 and models preceding it only receive a 4-star safety rating and also have recalls on the 2014 make. This model has been listed for recall, best to check with the NHTSA site to see if your VIN is eligible.

Buy Cheap Acura Auto Insurance Today

Making the choice that is best for you requires putting in the time unless you let us do the work.

Easily compare price estimates from a variety of insurance companies or compare how different makes, models, and years of your vehicle change your insurance premium.

Additionally, you can easily see which carriers offer auto insurance discounts for bundling your car policy with other forms of insurance, like:

• Homeowners
• Renters
• Life insurance

All of which are important to consider.

You may also consider programs like Progressive’s Snapshot for additional insurance-saving opportunities. Progressive’s Snapshot places a device on the computer in your car that captures information about your driving habits, from how often you drive and your speed to the time of day you drive.

This data provides a clearer picture of you as a driver to your insurance provider. The safer you are, the less your insurance rates will be. You can learn more about Snapshot in our Progressive auto insurance review.

Working with an online system like ours gives you access to a wide variety of coverage options without bias. To put it simply, they aren’t trying to sell you on any one company’s plan but rather helping you to identify the plan that is best for you. Buying auto insurance shouldn’t have to be exhausting or difficult, and with some help, it can go quite smoothly.

You can find better average rates by comparison shopping. We offer a free comparison tool that will let you compare quotes from different companies, ensuring you find affordable insurance that best suits your car and your budget.

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