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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
Acura made its debut in 1986 as Honda’s luxury and performance division. Soon after, inspired by Acura ’s success, Toyota and Nissan launched their own luxury brands, Lexus and Infiniti. Now, nearly 40 years after its initial launch, Acura maintains its popularity, selling 132,367 vehicles in the U.S. in 2024.[1]
Acura drivers pay less for insurance coverage than people who drive a Lexus or an Infiniti. Whether you already drive an Acura or want to buy one, here’s what you need to know about Acura car insurance.
The 2025 Acura Integra has a maximum MSRP of $38,000, making this small luxury sedan significantly less expensive than the average new car price of $49,740.
Acura discontinued the TL and the TSX in 2014, the RLX in 2020, and the ILX in 2022.
State Farm, USAA, and GEICO offer some of the cheapest Acura car insurance.
Cost of Acura insurance by model
The cost of Acura car insurance can vary a great deal depending on which model you drive. In the table below, you’ll find the average monthly quotes for eight of the most popular models.
Acura Model | Average Monthly Quote |
|---|---|
| Integra | $188 |
| ILX | $166 |
| MDX | $141 |
| RDX | $133 |
| RLX | $185 |
| TL | $145 |
| TLX | $178 |
| TSX | $146 |
Cheapest Acura insurance by model
How much you pay for Acura insurance depends on the model you drive. See insurance information from popular Acura models in the sections below.
The Integra is Acura’s small, fuel-efficient luxury sedan. The 2025 model has an MSRP of $33,000 to $38,000, making it much more affordable than its competitor, the Audi A3, which has an MSRP ranging from $48,700 to $54,900.[2]
Here, you can see the average full-coverage quotes from several insurers for the Integra.
Insurance CompanyAverage Monthly QuoteUSAA $125 GEICO $148 State Farm $149 Allstate $166 Progressive $193 American Family $194 Nationwide $230 Travelers $242 Farmers $295 Liberty Mutual $315 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Acura discontinued the ILX after 2022.[3] This compact luxury sedan had an original MSRP of $27,300 to $33,200 for its final production year. The BMW 2-Series is a similar compact luxury sedan. Its 2022 original MSRP was $35,700 to $48,550.
Here, you can see monthly full-coverage quotes for the ILX from several insurers.
Insurance CompanyAverage Monthly QuoteUSAA $111 GEICO $131 State Farm $132 Allstate $147 Progressive $170 American Family $171 Nationwide $203 Travelers $214 Farmers $261 Liberty Mutual $279 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The MDX is Acura’s midsize SUV offering, comparable to the Audi Q7. The 2025 MDX has an MSRP that ranges from $51,200 to $75,250, depending on the trim level you choose.[4]
In the table below, you can see average full-coverage quotes for the MDX model.
Insurance CompanyAverage Monthly QuoteUSAA $94 GEICO $111 State Farm $112 Allstate $124 Progressive $144 American Family $145 Nationwide $172 Travelers $182 Farmers $221 Liberty Mutual $236 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2025 RDX has an MSRP of $44,700 to $54,450, which makes it more affordable than the next-highest-ranked contender, the BMW X3, which ranges from $49,950 to $64,700.[5]
RDX full-coverage insurance quotes are shown in the table below. USAA, GEICO, and State Farm typically offer the cheapest rates for this model.
Insurance CompanyAverage Monthly QuoteUSAA $89 GEICO $105 State Farm $106 Allstate $118 Progressive $137 American Family $137 Nationwide $163 Travelers $172 Farmers $209 Liberty Mutual $223 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The final year of production for the RLX, Acura’s large luxury sedan, was 2020. The 2020 model year had an original MSRP of $54,900 to $61,900, depending on trim level.[6]
USAA, GEICO, and State Farm offer the cheapest rates for the Acura RLX. You can see full-coverage quotes from additional insurers in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $123 GEICO $146 State Farm $147 Allstate $164 Progressive $190 American Family $191 Nationwide $226 Travelers $239 Farmers $291 Liberty Mutual $311 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Discontinued in 2014, the Acura TL was a luxury midsize car with an original MSRP of $36,030 to $45,510 for its final model year.[7]
Full-coverage quotes for the Acura TL are shown in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $97 GEICO $114 State Farm $115 Allstate $128 Progressive $149 American Family $150 Nationwide $178 Travelers $187 Farmers $228 Liberty Mutual $244 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
As a midsize luxury car, the TLX has a lot of competition. The Mercedes-Benz E-Class is ranked top of the heap by U.S. News and World Report, but it comes with a hefty price tag. The 2025 Benz has an MSRP ranging from $62,450 to $70,850, depending on trim package. The TLX has a more affordable range of $45,400 to $50,400.[8]
If you’re wondering how much it costs to insure a TLX model, check out the full-coverage quotes in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $119 GEICO $140 State Farm $142 Allstate $157 Progressive $183 American Family $184 Nationwide $218 Travelers $230 Farmers $279 Liberty Mutual $299 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The last TSX came off Acura’s production line back in 2014, marking the end of this small luxury vehicle. During its final 2014 run, the TSX had an MSRP that ranged from $30,635 to $39,275.[9]
In the table below, you can see average full-coverage quotes for the TSX model.
Insurance CompanyAverage Monthly QuoteUSAA $97 GEICO $115 State Farm $116 Allstate $129 Progressive $150 American Family $151 Nationwide $179 Travelers $189 Farmers $230 Liberty Mutual $245 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best companies for Acura car insurance
The best insurance company for you will depend on your driving history, location, coverage levels, age, and other factors. But Insurify found these insurers are among the best for Acura drivers.
State Farm: Best overall
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
USAA: Best for military members
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
GEICO: Best for drivers with an incident
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
Average cost of Acura insurance by state
An Acura driver in one state may pay higher rates than someone driving the same vehicle in another state because of the variations in traffic, crime rates, climate, and repair costs in different locations.
Check out the average rates Acura drivers pay in each state in the map below. Alaska and Hawaii are not included due to insufficient data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $142 |
| Arizona | $174 |
| Arkansas | $256 |
| California | $241 |
| Colorado | $220 |
| Connecticut | $335 |
| Delaware | $246 |
| Florida | $230 |
| Georgia | $249 |
| Idaho | $125 |
| Illinois | $170 |
| Indiana | $144 |
| Iowa | $121 |
| Kansas | $165 |
| Kentucky | $217 |
| Louisiana | $222 |
| Maine | $151 |
| Maryland | $339 |
| Massachusetts | $178 |
| Michigan | $277 |
| Minnesota | $195 |
| Mississippi | $207 |
| Missouri | $193 |
| Montana | $166 |
| Nebraska | $175 |
| Nevada | $281 |
| New Hampshire | $113 |
| New Jersey | $178 |
| New Mexico | $159 |
| New York | $471 |
| North Carolina | $94 |
| North Dakota | $137 |
| Ohio | $129 |
| Oklahoma | $178 |
| Oregon | $161 |
| Pennsylvania | $173 |
| Rhode Island | $147 |
| South Carolina | $269 |
| South Dakota | $129 |
| Tennessee | $149 |
| Texas | $236 |
| Utah | $183 |
| Vermont | $152 |
| Virginia | $192 |
| Washington | $160 |
| Washington D.C. | $344 |
| West Virginia | $157 |
| Wisconsin | $132 |
| Wyoming | $119 |
How to ensure you have enough coverage on your Acura
It’s important to make sure you have the right coverage level for your Acura, starting with the state-minimum coverage required to legally get behind the wheel. But it’s generally a good idea to have more insurance than the state-mandated minimums, and you may also want to add other coverage options, like these:
Collision coverage
If you’re in an at-fault accident, collision insurance will help with your Acura’s repair costs once you’ve paid the deductible. Otherwise, you’d have to pay out of pocket for repairs.
Comprehensive coverage
If something other than an accident damages your Acura — such as a falling object, extreme weather, an animal, or vandalism — comprehensive insurance will help with repair costs.
Personal injury protection (PIP)
If a car accident injures you or your passengers, PIP coverage will help you pay for medical expenses, regardless of who was at fault in the accident. Not everyone may need PIP insurance, but if you don’t have health insurance or medical expenses are out of reach, it can help.
Uninsured/underinsured motorist coverage
If you’re in an accident with a driver who doesn’t carry insurance, or who doesn’t have enough insurance, uninsured/underinsured motorist coverage can help you pay for damage to your Acura or for your medical bills.
Acura car insurance FAQs
The answers to the following questions about Acura car insurance can help you find the best coverage for your insurance needs.
USAA, GEICO, and State Farm typically offer the cheapest Acura insurance. But the cheapest car insurance premiums won’t be the same for any two Acura drivers since your driver profile, location, claims history, vehicle type, safety features, and Acura’s mileage can all affect what rates companies offer you.
Acura vehicles cost less to insure than their direct brand competitors, Lexus and Infiniti. Depending on the specific model, insurance premiums for Acura vehicles range from about 10% below the national average (Acura RDX) to 28% above the national average (Acura Integra).
The Acura MDX has an average monthly liability-only rate of $97 and an average monthly full-coverage rate of $184. This is just below the monthly national average rate of $100 for liability-only insurance and $177 for full coverage.
While consumers consider Acura a luxury brand, it doesn’t necessarily come with the high-cost insurance premiums associated with luxury vehicles. Insurers may charge higher rates for expensive luxury cars that need costly specialty parts for any repairs. Though Acuras offer a luxurious driving experience, they’re affordable to drive and own, and they also tend to have affordable insurance premiums.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
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Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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