The Acura RDX is a safe vehicle that should be less costly to insure than many luxury vehicles; however, insurance rates will depend on factors like driver age and other variables.
Location plays an integral part in determining car insurance costs, so be sure to shop rates by state. Furthermore, usage-based insurance may help lower monthly premiums by offering reduced premiums for frequent drivers.
Liability Coverage
The 2022 Acura RDX stands out as an extremely cost-effective luxury SUV to insure, and often costs less than an average sedan from this brand. This can be attributed to its excellent safety ratings which lower passenger injury risks during an accident and thus, lower insurance rates. Drivers can further lower costs with discounts and cheaper policies available from their provider.
Liability coverage on a standard car insurance policy pays for medical costs and property damage caused by you in an accident that was your responsibility, and is required by most states. On average, Acura RDXs with liability coverage typically cost $1,472, far lower than the national average of $2,685.
Reducing your insurance rate by increasing your deductible can reduce premiums by approximately 15%. For optimal savings, compare quotes from multiple car insurers before making your decision.
Alongside your vehicle rating and location, factors like age and driving history also influence your rate. Young drivers typically pay higher premiums due to being riskier for insurance. Below is a table which details average annual premium rates by driver age and state for an Acura RDX.
The RDX's advanced safety features can further lower your insurance rates. Its Collision Mitigation Braking System uses both cameras and sensors to detect objects ahead of you and brake automatically; it can even prevent accidental runs into pedestrians! Thanks to this technology, the IIHS has given the RDX top safety ratings that help lower insurance rates.
Your insurance provider will also consider your driving record when setting rates. Accidents and speeding tickets could repercussions have an effect, as will mileage driven annually. If you rarely drive, usage-based coverage might be beneficial as payments would reflect actual usage rather than simply using up premiums like with conventional auto policies.
Collision Coverage
Acura RDX's average annual insurance cost stands at $1,472, which is significantly below that of small luxury SUVs such as BMW X3, Audi Q5, and Volvo XC60. This lower premium can be attributed to its excellent safety ratings, advanced crash prevention systems, and strong insurance loss trends; additionally its roomy cabin, balanced ride quality, athletic handling characteristics all help make for cost-effective premiums.
Liability and collision coverages are essential, but most states also mandate additional coverages like medical payments, personal injury protection, uninsured/underinsured motorist and uninsured/underinsured motorist coverages for car drivers. While liability covers costs if an accident is your responsibility; personal injury protection (PIP) provides reimbursement if another driver causes your injuries without sufficient insurance - saving both parties time and money in claims procedures.
Excess liability coverage adds another layer of protection beyond collision and comprehensive policies; it pays for damages beyond your standard policy limits. Leasing or financing agreements often mandate this additional layer of coverage as a requirement for owners.
Rates for this coverage depend on your state, but on average expect to pay $87 or $155 monthly depending on whether it includes liability only or full coverage respectively. Mercury provides exceptional rates with liability only policies as low as $22 monthly which assume a 40 year old driver with excellent credit, 13,000 miles annually driven, no recent accidents, or traffic violations.
Car insurance rates depend on many variables, including your age, driving record, location and coverage options. To find the cheapest rates available to you, enter your zip code above and compare quotes from multiple providers. Also consider discounts available such as bundling insurance policies together, safe driving habits or loyalty programs as well as choosing higher deductibles and/or increased liability coverage levels; or consider usage-based or pay-per-mile insurance as another way of saving money.
Comprehensive Coverage
Comprehensive insurance covers damages to your Acura RDX from acts such as vandalism or natural disasters; it's less prevalent than liability and collision coverage, though. Though most drivers won't need it, it is wise to check state requirements prior to making this decision; uninsured motorist coverage provides additional assistance should someone hit you without auto insurance coverage.
When purchasing a new vehicle, many individuals underestimate how much the price of car insurance can add up over time. This is particularly true of luxury vehicles which tend to cost more than average to insure. Luckily, the average cost to insure an Acura RDX is much lower than its national counterpart - potentially saving buyers thousands over its lifecycle.
On average, owners of an Acura RDX pay approximately $81 monthly for liability coverage and about $155 annually for full coverage that includes comprehensive and collision protection. These prices are significantly less than the national average for vehicles overall and significantly cheaper than you'd anticipate for such a luxury SUV.
State Farm, Liberty Mutual, and Mercury are among the best car insurance carriers for Acura RDX drivers across all regions, but below you will find sample rates based on a 2022 Acura RDX with full coverage and good driving history; your exact rate may differ based on individual circumstances. To view what rates may be available in your region enter your ZIP code below this page to receive quotes from multiple providers and find your best rate available immediately.
The tables below display an estimate for an Acura RDX's full coverage and liability policies with both models from varying years, assumed its driver is 40-years old with no major violations and an impeccable driving history. Rates may differ based on state, driver age and history as well as other variables.
The Acura RDX boasts superior safety ratings, helping keep auto insurance rates affordable. As such, its low insurance costs make it more cost-effective to insure than comparable compact luxury SUVs such as BMW X3, Audi Q5 and Volvo XC60; even more significantly it costs less to insure than Acura MDX (the company's larger luxury sedan).
Uninsured Motorist Coverage
Acura RDX's impressive safety features and top-tier reliability aside, this luxury brand also comes equipped with extra benefits that could save money on car insurance premiums. For instance, their Advanced Compatibility Engineering body structure helps lower rates by evenly dispersing force throughout the front of the vehicle in case of a crash - along with driver assistance features like blind spot monitoring and rearview cameras which may qualify you for lower premiums.
Additionally, security features like anti-theft alarms and wheel locks may also save money on insurance; as they make it more difficult for thieves to steal your Acura RDX. Most insurers also offer discounts for such features. Finally, your driving record has an impactful influence on car insurance premiums: having a clean record can substantially lower rates while even one speeding ticket could send them skyrocketing.
Geographic location also plays an impactful role in your car insurance rates, since different companies typically provide different prices for similar coverage. Therefore, you should always compare quotes from multiple providers to find the most advantageous offers - use tools like Jerry to obtain real, customized quotes tailored specifically for your Acura RDX from top insurers!
Quadrant Information Services' premium data shows that the average annual cost to insure an Acura RDX with full coverage is $1,769 annually; this figure is slightly higher than the national average of $1,674. The difference may be explained by higher premium rates associated with Acura models versus other luxury brands.
Car insurance premiums depend on various factors, including your driving history and vehicle's safety and theft ratings. But you could often save money by shopping around and taking advantage of any discounts that might apply - for instance if you have an outstanding driving record without traffic violations you can often save thousands over its life by switching to an insurer with lower premiums.