How much is insurance on an Acura MDX?
A 2024 Acura MDX runs about $2,030 a year for a typical 45-year-old, $90 more than an average car of the same age: higher non-crash losses outweigh fewer injury claims and less damage to others' property. Putting a new 16-year-old on a family policy with the MDX adds about $1,340 a year (#2 of 9 midsize luxury SUVs we compare).
2024 Acura MDX (MDX AWD), national average
about $2,030 a year (about $170 a month)
Estimated range: $1,300–$3,100. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 MDX drops to about $1,590 (see the table below).
Priced for the 2024 MDX AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the MDX's rank is the same in every state.
Why the Acura MDX costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Acura MDX 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 88 for crash repairs, 111 for non-crash damage, 71 for damage to others' property, and 57 for injury claims.
- Crash repairs (collision)fixing this car after a crashAverage12% better than average2nd best of the 9 midsize luxury SUVs we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage11% worse than average7th best of the 9 midsize luxury SUVs we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average29% better than average3rd best of the 9 midsize luxury SUVs we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 43% less often than averagebest of the 7 midsize luxury SUVs we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the MDX comes out about 5% better than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add a smaller version of an adjustment we fitted to those prices (how much smaller is our estimate). With it, the part of the bill that fixes the car is about 29% more than average: about $1,230 a year vs $950. On the liability side, damage to others and injury claims combine to about 37% better than average. We count about half, so that part is about 19% less: $800 a year vs $990.
In EPA size classes, the MDX is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Acura MDX is benchmarked against midsize luxury SUVs.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to HLDI series “Acura MDX 4dr 4WD” (HLDI, 2022–24 models).
A used Acura MDX, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 MDX AWD (0–3 years old) | about $2,030 | about $800 | +$1,340 | about $5,830 |
 2022 MDX AWD (4–7 years old) | about $1,880 | about $800 | +$1,240 | about $5,410 |
 2018 MDX AWD (8–12 years old) | about $1,700 | about $790 | +$1,120 | about $4,870 |
 2013 MDX 4WD (13 or more years old) | about $1,590 | about $840 | +$1,050 | about $4,570 |
Our catalog covers the Acura MDX across model years 2006–2026. Full coverage on a used 2013 MDX (13 or more years old) runs about $1,590 a year, $440 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $840 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Acura MDX trims, full coverage goes from about $1,960 a year on the MDX FWD to about $2,030 on the MDX AWD Type-S, because HLDI's loss results differ by body, drive, or powertrain.
- MDX FWD: about $1,960
- MDX AWD; MDX AWD Type-S: about $2,030
On a policy of their own with a 2024 Acura MDX, a 22–25-year-old pays about $2,640 a year ($610 more than a 45-year-old), a 26–39-year-old about $2,260, and a driver 65 and older about $2,130.
Adding a 16-year-old with an Acura MDX
A new driver costs more with any car, and more than usual with the Acura MDX: adding a 16-year-old raises the family bill by about $1,340 a year ($110 a month), $60 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $5,830 a year ($4,490 more than adding them to the family policy).
For adding a teen driver, the Acura MDX ranks 39th most expensive out of all 121 models we track. Stepping down to a used 2013 MDX (13 or more years old) brings the teen add-on to about $1,050 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize luxury SUVs
Among these 9 midsize luxury SUVs, the Acura MDX is the 2nd least expensive to insure. Right next to it are the Acura RDX (about $1,930 a year) and the Lexus NX (about $2,110).
2024 Acura RDXabout $1,930 ($100 less)- 2024 Acura MDXabout $2,030 (this car)
2024 Lexus NXabout $2,110 ($80 more)
2024 Lexus RXabout $2,130 ($100 more)
2024 Mercedes-Benz GLC-Classabout $2,480 ($450 more)
2024 BMW X3about $2,570 ($540 more)
Photos from Wikimedia Commons contributors. Photo credits.
What an Acura MDX costs in your state
In six sample states, a 2024 Acura MDX runs from about $1,390 a year in Idaho through Iowa, Nebraska, Oregon and Massachusetts to about $2,680 in New York:
- Idahoabout $1,390/yr · +$910 teen
- Iowaabout $1,430/yr · +$940 teen
- Nebraskaabout $1,670/yr · +$1,100 teen
- Oregonabout $1,790/yr · +$1,180 teen
- Massachusettsabout $2,000/yr · +$1,320 teen
- New Yorkabout $2,680/yr · +$1,770 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.