Acura cars are more expensive to insure than the average vehicle, but they’re not as pricey as other luxury cars. That’s because Acura models offer more than glitz and glam — the lineup has solid safety ratings and ranks highly for reliability. Plus, Acura insurance for older models can be cheap, especially if you choose the right auto insurance company.

To help you narrow down your options, I compared car insurance companies based on factors like cost, customer satisfaction, and features that might specifically appeal to Acura owners, like vehicle equipment discounts. I found that some of the best companies to insure your Acura include GEICO, Erie, and Nationwide.

Still, consider your specific insurance needs and remember to compare car insurance quotes to get a more accurate estimate of your rate with each company.

Compare Acura car insurance quotes

Data sourced from The Zebra

Nationwide

Best for newer Acura models

Nationwide offers cheap premiums for newer Acura models — for example, the company charges an average annual rate of just $911 for the popular 2020 Acura RDX. Nationwide also offers great coverage for brand-new Acura owners, including guaranteed asset protection (GAP) insurance and a total loss deductible waiver.

Plus, the insurance company ranked fourth overall in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study. The company’s usage-based program, SmartRide, also came out on top in another J.D. Power study and offers safe drivers the opportunity to earn an industry-leading discount of up to 40%. Nationwide also made the list of the best car insurance companies for low-mileage drivers.

Learn more in our Nationwide review.

Erie

Best for older Acura models

If you have an older used Acura, Erie might be the cheapest option. For example, the company charges an average annual premium of just $467 for the 2011 Acura MDX and only $909 for the 2017 Acura RDX.

Erie also won third place for claims satisfaction in J.D. Power’s study. Plus, the company offers cheap rates and multiple opportunities for teen drivers to save money on car insurance, while its premiums for seniors are low as well.

However, Erie is available in only 12 states and Washington, D.C. Also, its telematics program, YourTurn, offers rewards you can only redeem for charitable donations or gift cards.

Learn more in our Erie review.

State Farm

Best for customer support

State Farm offers the cheapest average premium across model years for the Acura MDX, RDX, and TLX, according to data from Insurance.com. I use State Farm for my personal auto insurance, in part because of the excellent pricing and generous multi-policy discount, but also because of the superb customer service.

The company assigns a dedicated agent to every policyholder, offers a smooth claims process through its award-winning app and guaranteed repair network, and provides top-notch roadside service. J.D. Power also rated State Farm above average for customer satisfaction in nearly every region of the U.S.

Learn more in our State Farm review.

GEICO

Best for vehicle equipment discounts

GEICO offers a handful of vehicle equipment discounts that many Acura owners may be eligible for, including discounts for models that have:

• Restraint devices
• Anti-lock brakes
• Anti-theft systems
• Daytime running lights

The company also offers a new vehicle discount of up to 15% for Acura models three years old or newer. While GEICO doesn’t offer many coverage add-ons, it offers mechanical breakdown coverage, which can help reduce the out-of-pocket cost of Acura car repairs.

Plus, premiums are relatively affordable, especially for Acura RDX and TL models. J.D. Power also highly rated GEICO’s usage-based program, though the company received below-average customer satisfaction ratings in many regions.

Learn more in our GEICO review.

Progressive

Best for coverage options

Besides offering relatively affordable Acura insurance premiums, especially for older MDX models, Progressive offers an impressive range of coverage options.

New Acura owners can add loan/lease payoff coverage and vehicle protection coverage, and avid road trippers can opt for Progressive’s unique trip interruption coverage. Plus, every full-coverage policyholder gets pet injury coverage to help with veterinary bills after an accident.

Progressive’s loyalty program gives you immediate access to small accident forgiveness and allows you to earn large accident forgiveness after five years as a policyholder. However, J.D. Power rated the company poorly for claims satisfaction and customer satisfaction.

Learn more in our Progressive review.

What determines Acura car insurance rates?

Here are the common factors affecting car insurance rates for your Acura:

• Model and year: The more your car is worth and the higher its repair costs, the higher your premium. That’s why a 2023 Acura TLX costs an average of $2,341 to insure for a year, while a 2016 Acura RDX costs just $1,513 on average. Car insurance companies also consider the safety of your Acura model and the likelihood of theft when setting your premium, and insurers sometimes offer discounts for safety and security equipment.
• Driver demographics: When determining insurance costs, auto insurers consider the age, gender, marital status, and credit-based insurance score (in certain states) for each driver listed on the policy and the location of the household. You typically pay a higher premium if you’re young, have bad credit, or live in a high-crime area.
• Driving record and claims history: If you have at-fault accidents or other major violations on your driving record, you’ll likely pay higher car insurance rates.
• Coverage types, limits, and deductibles: If you choose higher liability limits than your state requires for minimum coverage or opt for full coverage, you’ll pay a higher rate. You’ll also pay extra for most coverage add-ons. But you can reduce your full-coverage premium if you choose a higher deductible.
• Discount eligibility: Many insurers offer specific opportunities to lower your car insurance premiums. These may include safe driving telematics programs, multi-policy discounts, driver education discounts, student discounts, annual payment discounts, and low-mileage discounts.

FAQs

Bottom line

If you’re in the market for a luxury car, a used Acura may be more affordable to insure than other options, but premiums vary based on a number of factors. While you can use this list of the best Acura car insurance companies to get started, it’s best to compare car insurance quotes from multiple providers before choosing a policy.