Car Insurance Quotes for the Acura MDX

The Acura MDX is a luxury SUV crossover that, with three rows of seating, is great for drivers with large families. Annual premiums for this midsize vehicle are $1,188 for minimum liability coverage and $2,052 for full auto insurance coverage. This is much more affordable compared to similar models from competing manufacturers.

Freeway Insurance offers affordable auto coverage plans that fit your needs and budget. Our agents are ready to help you find the best policy for your MDX at the best possible price.

Insurers offer multiple insurance packages to drivers. Full coverage and minimum liability are two options to consider when choosing your car insurance policy.

Minimum liability coverage meets your state’s required auto insurance limits — and that’s it. If you crash your SUV crossover and injure others, basic coverage will help pay for their medical treatment and any property damage caused for up to a specific amount. You’ll have to pay the rest out of pocket if the costs exceed that specified amount.

Full coverage offers liability protection as well as collision and comprehensive insurance. These two latter options cover crash- and weather-related costs that a minimum liability policy won’t cover.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance, protecting you financially if you cause a crash. The liability portion covers any medical bills or damage claims filed by others involved.

Collision kicks in whenever you crash — whether you caused the accident or someone else did. This coverage handles damages that your vehicle sustains.

Comprehensive takes care of damages that aren’t related to a crash. If your MDX is damaged during a storm or gets vandalized, for example, comprehensive pays for its repairs.

State Minimum Liability

All states require drivers to carry some form of auto coverage. This ensures everyone behind the wheel is responsible for damages or injuries they might cause if they crash.

If you cause a crash while driving your SUV crossover and injure the other driver, a minimum liability policy will help pay to have them medically treated and their vehicle repaired. It will also help cover funeral expenses if anyone involved in the crash dies from their injuries.

Requirements vary by state. Some states only require that minimum amounts be met for bodily injuries and property damage. Other states require additional coverage, like personal injury protection.

Several factors influence how much you’ll pay to insure your car. Here’s a closer look at some of the most common ones.

Vehicle Safety Features and Ratings

Built-in safety features typically bring down premiums, and so do high safety ratings. Even though the MDX has had at least five recalls, the vehicle received five-star safety rating from the National Highway Traffic Safety Administration. That means it’s a sturdy SUV crossover that has proven to keep its driver and passengers safe in a crash.

Loss Probability

Insurers rely on crash statistics to calculate loss probability or how often the same make and model of your vehicle has crashed in the city or region where you live and drive. This includes the extent of damage the car typically experiences in crashes, from fender benders to full-on collisions.

Vehicle Age

Older cars, trucks, and SUVs tend to cost a bit more to insure than newer ones for various reasons. Vehicles that are no longer manufactured, for example, can be tougher to repair because replacement parts may be hard to find. Also, safety features are outdated on older models, which can drive premiums up.

No matter what vehicle you drive, DUI convictions always impact auto premiums, making rates skyrocket. Because driving under the influence of drugs or alcohol is highly dangerous, insurers view a person convicted of a DUI as a high-risk driver.

If you’re arrested and convicted for driving under the influence, you can expect the $2,052 annual premium you pay for your MDX to increase by a certain percentage. This higher rate will hold for at least three years when infractions typically clear from a driving record.

Good drivers are safe drivers, and insurers reward clean driving records by offering the best car insurance discounts. These discounts typically reduce annual premiums by 10% to 30% on average.

Those who bundle coverage — by combining home insurance and auto, for example — also receive some of the best discounts available, with insurers decreasing their multi-policy premiums between 5% and 25%.

Launched in 2000 by Honda’s luxury brand Acura, the MDX was the first crossover SUV to have standard three-row seating that comfortably fits seven — and it still boasts having this feature decades later.

In addition to three-row seating, the 2024 MDX has a 290-horsepower V-6 engine with a double-wishbone front suspension for precision cornering. The vehicle’s interior has ambient lighting, an HD display, leather-trimmed seats, and a panoramic moonroof.

The MDX brings a suite of standard safety and driver-assistive technologies. This includes collision mitigation braking alerts, road departure mitigation, adaptive cruise control, pedestrian detection, traffic sign recognition, and traffic jam assistance.