Best Auto Insurance for Acuras in 2025 (Top 10 Companies for Your Vehicle!)
Auto-Owners, State Farm, and Amica offer the best auto insurance for Acuras, ranking as the top three providers with competitive rates starting at $95 monthly for minimum coverage. These leading insurers provide Acura owners with safety feature discounts and new car discounts of up to 20%.
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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UPDATED: May 23, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 23, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Full Coverage for Acuras
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768 reviewsAuto-Owners, State Farm, and Amica offer the best auto insurance for Acuras, with rates starting at $95 monthly.
Our Top 10 Company Picks: Best Auto Insurance for Acuras| Company | Rank | Safety Feature Discount | New Car Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 8% | Safety Features | Auto-Owners |
 | #2 | 20% | 15% | Personalized Policies | State Farm |
 | #3 | 10% | 10% | Customer Service | Amica |
 | #4 | 15% | 10% | Military Savings | USAA |
 | #5 | 15% | 12% | Flexible Payments | Safeco |
 | #6 | 10% | 12% | Claims Satisfaction | Erie |
 | #7 | 13% | 8% | High-Mileage Drivers | Travelers |
 | #8 | 15% | 12% | Accident Forgiveness | Farmers |
 | #9 | 18% | 15% | Multi-Policy Savings | Nationwide |
 | #10 | 20% | 10% | New Models | Allstate |
Acura owners have specific insurance issues to address thanks to the luxury amenities, sophisticated safety features, and higher repair bills of their vehicles.
Check out the cheapest car insurance companies and specialized coverage features that can affect your premium by several hundred dollars a year.
- Bundling your Acura insurance with other policies can save you up to 30%
- Acura MDX insurance costs an average of $125 monthly for full coverage
- Advanced safety features in Acuras can qualify for additional discounts up to 15%
Compare Acura-specific rates and coverage options near you by entering your ZIP code into our free comparison tool.
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#1 – Auto-Owners: Top Overall Pick
Pros
- Affordable Coverage: Auto-Owners offers competitive full coverage for Acuras at just $205 monthly, making it an excellent value for premium protection.
- Financial Stability: With an A++ A.M. Best rating, it provides Acura owners great financial security and reliable claims processing (Read More: Auto-Owners Car Insurance Review).
- Safety Feature Recognition: Acura drivers can enjoy a 15% safety feature discount for advanced systems like collision mitigation and lane keeping assist, which are standard on most Acura models.
Cons
- Limited Availability: Auto-Owners insurance does not cover Acuras in all states, meaning that the availability might be limited to drivers of high-end cars.
- Basic Digital Platform: The online portal lacks mobile claim photo submission and real-time claim tracking features that luxury vehicle owners expect for managing their policies.
#2 – State Farm: Best for Personalized Policies
Pros
- Acura-Specific Coverage: Our State Farm auto insurance review shows it specialized coverage for Acura’s all-wheel steer system and adaptive cruise control that standard policies often exclude.
- Robust Agency Network: Acura owners benefit from State Farm’s extensive agent availability, providing personalized assistance with policy questions or claims.
- Solid Financial Backing: State Farm car insurance has an A++ rating and few complaints, giving drivers great stability when filing Acura insurance claims.
Cons
- Higher Premium Costs: State Farm’s full coverage for Acuras costs $225 monthly, slightly higher than some competitors offering similar protection.
- Limited New Car Benefits: The 15% new car discount only applies to vehicles less than one model year old, excluding most Acura lease returns and certified pre-owned vehicles.
#3 – Amica: Best for Customer Service
Pros
- Superior Service: Amica is in the top two companies for handling claims for damaged or stolen Acuras, according to J.D. Power annual surveys.
- Cost-Effective Coverage: As mentioned in our Amica insurance review, Amica offers Acura owners excellent full coverage protection at rates below industry averages.
- Equal New Car Incentives: The 10% new car discount matches the 10% safety feature discount, providing consistent savings whether you prioritize advanced technology or vehicle age.
Cons
- Stringent Acceptance Criteria: Amica’s underwriting standards for luxury vehicles like Acuras can be more selective than those of other insurance providers.
- Missing Digital Features: Amica’s mobile app lacks roadside assistance’s GPS tracking and digital insurance card storage, requiring Acura owners to carry physical documents.
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#4 – USAA: Best for Military Savings
Pros
- Military Value: Our USAA auto insurance review compares its unmatched savings of $190 monthly for full coverage on Acuras for military members.
- Financial Excellence: With an A++ rating, USAA car insurance provides Acura owners exceptional financial stability and reliable claims processing capabilities.
- Technology Rewards: The 15% safety feature discount and 10% new car discount combine effectively for military families purchasing newer Acuras with advanced collision avoidance systems.
Cons
- Restricted Eligibility: USAA coverage for Acuras is exclusively available to military members and their families, limiting accessibility.
- Limited Premium Reduction Options: Without multi-policy bundling opportunities, military families with multiple vehicles may find fewer ways to reduce their overall Acura insurance costs.
#5 – Safeco: Best for Flexible Payments
Pros
- Flexible Payment Options: Acura owners appreciate Safeco’s quarterly, semi-annual, and monthly payment schedules, plus specialized luxury and exotic car insurance coverage.
- Competitive Pricing: Safeco provides full coverage for Acura drivers at a cost of $210 monthly, representing reasonable value for comprehensive luxury vehicle protection.
- Balanced Discount Structure: The 15% safety feature discount and 12% new car discount provide solid savings for Acura owners who prioritize both advanced technology and vehicle age incentives.
Cons
- Service Differences: Acura motorists report inconsistent claim settlement times and adjuster expertise with luxury vehicle repairs.
- Average Financial Rating: Safeco holds an A rating, which is stable enough for luxury Acuras but not remarkable when compared to A++ competitors offering similar coverage.
#6 – Erie: Best for Claims Satisfaction
Pros
- Superior Claims Process: Acura owners routinely compliment Erie for its straightforward and efficient process in handling damage or theft claims.
- Comprehensive Discount Coverage: Erie insurance provides meaningful savings for Acura drivers who maintain newer vehicles with advanced safety technology.
- Value Leader: Erie has the lowest price for full coverage insurance on Acuras at only $185 monthly, with minimum coverage also the cheapest at $95 monthly.
Cons
- Limited Geographic Availability: Erie only offers car insurance for Acuras in 12 states, primarily concentrated in the Northeast and Midwest regions.
- Basic Digital Experience: The mobile app lacks vehicle value tracking and OEM parts preference settings for managing their premium policies (Read More: Erie Auto Insurance vs. MetLife).
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#7 – Travelers: Best for High-Mileage Drivers
Pros
- High-Mileage Coverage: Our Travelers auto insurance review highlights IntelliDrive usage-based coverage that rewards safe driving habits regardless of annual mileage.
- Solid Financial Foundation: With an A++ rating, Travelers offers Acura owners exceptional financial security for their premium vehicle coverage.
- Limited Technology Incentives: The 13% safety feature discount and 8% new car discount provide modest savings, though lower than competitors for Acura owners prioritizing advanced driver assistance systems.
Cons
- Premium Pricing: At $235 monthly for full coverage, Travelers charges Acura owners more than several competitors for similar protection levels.
- Reduced Savings Opportunities: Without significant multi-policy discounts, Acura owners with homes and other vehicles may find limited ways to reduce their overall insurance expenses.
#8 – Farmers: Best for Accident Forgiveness
Pros
- Accident Forgiveness Program: Our Farmers review confirms its excellent first-accident forgiveness benefits, which protect claim-free Acura drivers from rate increases up to $2,000 in damages.
- Flexible Coverage Tiers: Acura owners benefit from Farmers’ Smart Plan, Road Plan, and Premier Plan options that allow customization based on vehicle value and usage patterns.
- Strong Technology Recognition: The 15% safety feature discount and 12% new car discount provide combined savings for newer Acuras equipped with latest security features.
Cons
- Higher Base Rates: At $250 monthly for full coverage, Farmers charges Acura owners significantly more than most competitors for equivalent protection.
- Inconsistent Luxury Repair Network: Some Acura drivers report delays finding certified repair facilities for specialized components like its precision all-wheel steering.
#9 – Nationwide: Best for Multi-Policy Savings
Pros
- Generous Technology Discounts: Our Nationwide insurance review mentioned its 18% safety feature discount that reduce costs for newer Acuras with advanced driver assistance systems.
- Vanishing Deductible Program: Acura drivers benefit from Nationwide’s deductible reduction program, which decreases deductibles by $100 annually for accident-free driving up to $500 total.
- Luxury Vehicle Specialization: Nationwide offers gap coverage, OEM parts guarantees, and agreed value coverage designed specifically for premium vehicles like various Acura models.
Cons
- Premium Cost Structure: At $265 monthly for full coverage, Nationwide charges Acura owners considerably more than most competitors for similar protection levels.
- Complex Coverage Details: Some Acura drivers report confusion understanding On Your Side Claims Service procedures and coverage exclusions for aftermarket performance modifications.
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#10 – Allstate: Best for New Models
Pros
- New Vehicle Protection: In our Allstate auto insurance review, it shows the company’s new car replacement coverage for total losses on Acuras under two years old with fewer than 15,000 miles.
- Comprehensive Accident Forgiveness: Acura owners can protect their premium rates from increasing after their first accident with Allstate’s accident forgiveness program.
- Maximum Technology Recognition: The generous 20% safety feature discount and 10% new car discount provide the highest combined savings for newer Acuras equipped with safety features.
Cons
- Highest Premium Costs: At $280 monthly for full coverage, Allstate charges Acura owners the highest rates among major insurers for equivalent coverage levels.
- Variable Service Quality: Some Acura drivers report inconsistent experiences with QuickFoto Claim mobile app functionality and varying adjuster expertise with luxury vehicle damage assessments.
Acura Auto Insurance Rates Compared by Provider
Finding the right Acura insurance company depends on your coverage needs and the provider’s reputation. Auto-Owners, State Farm, and Amica consistently deliver the most competitive combination of rates and reliable coverage for Acura drivers.
Acura Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $165 | $280 |
| $108 | $198 |
| $115 | $205 |
| $95 | $185 |
| $145 | $250 |
| $155 | $265 |
| $122 | $210 |
| $130 | $225 |
| $137 | $235 |
| $102 | $190 |
How much does Acura insurance cost? Acura insurance costs vary significantly by provider, with Erie offering the lowest rates at $95 monthly for minimum coverage and $185 for full coverage. Among our top three recommended providers, Amica provides the most affordable option at $108 for minimum coverage and $198 for full coverage.
Comparing Acura insurance quotes from multiple providers helps secure the best deal by allowing drivers to evaluate differences in pricing, coverage options, and available discounts.
Comparing multiple quotes allows Acura owners to identify insurers that offer more generous discounts for safety features, and provide better claims service specifically for premium cars.
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Individual circumstances, like the model you drive, its safety features, and driver history, play a role. Acura insurance rates also vary based on location and coverage level. Scroll down to compare these Acura insurance costs.
Top Factors That Affect Acura Auto Insurance Rates
Several factors influence the Acura auto insurance rates, including driver history, vehicle model, and insurer-specific pricing. A clean driving record typically results in lower premiums, while tickets, accidents, or DUIs can significantly raise costs.
Acura Full Coverage Auto Insurance: Monthly Rates by Driving Record| Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $120 | $140 | $160 | $200 |
| $110 | $130 | $150 | $190 |
| $115 | $135 | $155 | $195 |
| $125 | $145 | $165 | $205 |
| $120 | $140 | $160 | $200 |
| $130 | $150 | $170 | $210 |
| $135 | $155 | $175 | $215 |
| $120 | $140 | $160 | $200 |
| $125 | $145 | $165 | $205 |
| $140 | $160 | $180 | $220 |
Vehicle type also plays a deciding role. The insurance for an Acura can be higher for luxury models, such as the MDX.
Acura Auto Insurance Monthly Rates vs. Similar Vehicles| Vehicle Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Acura MDX | $67 | $125 |
| Honda Pilot | $63 | $117 |
| Toyota Highlander | $64 | $121 |
| Mazda CX-9 | $63 | $119 |
| Ford Edge | $65 | $123 |
This is because repairs or replacements cost more. Other Acura features that impact insurance costs include advanced safety systems, theft deterrents, and repair complexity.
Acura Auto Insurance Full Coverage Rates by Make & Model| Vehicle | Monthly Rate |
|---|---|
| Acura Integra | $145 |
| Acura TLX | $155 |
| Acura MDX | $180 |
| Acura RDX | $165 |
| Acura ILX | $135 |
| Acura NSX | $300 |
| Acura RLX | $165 |
Among Acura models, the NSX commands the highest insurance rates at $300 monthly due to its supercar status, while the Integra offers the most affordable coverage at $145 monthly. The cost of insurance for an Acura TLX is around $155 per month.
Although these features may lessen claims or damages, their replacement may boost coverage levels. When planning to buy auto insurance, being aware of these factors enables Acura owners to choose the cheapest policy without having to lose any coverage.
Recommended Acura Auto Insurance Coverage
Are Acuras expensive to insure? That depends on a variety of factors. Acura car insurance is generally more expensive on average because Acuras are considered luxury vehicles.
You work for your legacy. We work to protect it. @jaytatum0 pic.twitter.com/xzxNT18OOJ
— Amica Insurance (@Amica) April 10, 2025
Parking sensors, lane assist, leather interiors, and other high-end features increase repair costs and require higher coverage limits.
When choosing the best policy, it’s important to consider other car insurance coverage for Acuras beyond basic liability. Add-ons like collision insurance and gap insurance can be essential for protecting newer or financed Acuras.
Acura Auto Insurance Coverage Options| Company | Accident Forgiveness | Gap Insurance | Rental Reimbursement | Rideshare | Roadside Assistance |
|---|---|---|---|---|---|
| ✅ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ❌ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ❌ | ✅ |
| ❌ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | ❌ | ✅ |
| ✅ | ✅ | ✅ | ✅ | ✅ |
Collision auto insurance helps pay for repairs after an accident, regardless of fault, while gap insurance covers the difference between the car’s value and what’s still owed on a loan. Coverage like roadside assistance and rental reimbursement adds convenience during unexpected situations.
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Best Acura Auto Insurance Discounts & How to Save
What is the best car insurance company for Acuras? The right answer often depends on which insurer offers the most relevant discounts for your situation.
Acura Auto Insurance Discounts From Top Providers| Company | Anti-Theft | Bundling | Loyalty | New Car | Safe Driver |
|---|---|---|---|---|---|
| 10% | 25% | 15% | 10% | 18% |
| 18% | 30% | 13% | 10% | 15% |
| 12% | 16% | 10% | 8% | 8% |
| 15% | 25% | 10% | 12% | 15% |
| 10% | 20% | 12% | 12% | 20% |
| 5% | 20% | 8% | 15% | 12% |
| 20% | 15% | 12% | 12% | 10% |
| 15% | 17% | 6% | 15% | 20% |
| 15% | 13% | 9% | 8% | 17% |
| 15% | 10% | 11% | 10% | 10% |
Acura vehicles, known for reliability and safety, often meet the criteria for these discounts. Features like anti-theft systems and newer model years often qualify for multiple savings opportunities. Applying hacks to save more money on car insurance, such as bundling policies, maintaining loyalty, or driving safely, can significantly lower premium costs.
Get the Best Acura Insurance Coverage for Your Needs
Three providers stand out as having the best auto insurance for Acuras: Auto-Owners, State Farm, and Amica. Auto-Owners leads with competitive rates at $205 monthly for full coverage and an excellent A++ financial stability rating.
State Farm excels with personalized policies tailored specifically for different Acura models. Amica rounds out the top three with a superior customer satisfaction rating and the most generous bundling discount of 30%
Remember that factors like your driving record, specific Acura model, and location significantly impact rates. Take advantage of car insurance discounts you can’t miss, including anti-theft, safe driver, and new car discounts, to lower rates even more. Use our free comparison tool to see what Acura insurance quotes look like in your area.
Frequently Asked Questions
Who has the best auto insurance for Acuras?
Auto-Owners is the best car insurance for Acuras, offering excellent financial stability with an A++ rating and competitive rates. If you ever need to file an auto insurance claim, existing customers report high satisfaction with its efficient process.
How much is Acura insurance?
A good monthly payment for Acura car insurance ranges from $95 to $205, depending on coverage level. Buckling up behaviors and maintaining a clean driving record can help secure lower premiums with top providers.
Does credit affect Acura auto insurance?
Yes, credit affects Acura car insurance premiums significantly. Drivers with excellent credit scores can save up to 25% compared to those with poor credit, according to data from top insurance providers. Find the cheapest Acura auto insurance quotes by entering your ZIP code into our free comparison tool.
At what age is auto insurance for an Acura most expensive?
Acura car insurance is most expensive for drivers under 25, with premiums nearly double the average rate. Rates gradually decrease until age 60, after which they begin increasing slightly again.
What state has the most expensive Acura car insurance?
Michigan has the most expensive Acura car insurance due to its unique no-fault insurance laws. Rates can be 50% higher than the national average, with full coverage often exceeding $300 monthly. Explore your Acura auto insurance options by entering your ZIP code into our free comparison tool today.
What cars are insurance companies refusing to insure?
Insurance companies typically don’t refuse to insure Acuras, as they have good safety ratings. However, heavily modified Acuras or those with extensive accident histories may face higher premiums or coverage limitations. Learn what to do if you’re denied insurance coverage.
Do Acuras have affordable auto insurance?
Acura car insurance is affordable, and Acura Integra insurance cost is the most affordable at $145 monthly. Compare auto insurance companies to find the best value, as prices vary significantly based on model and coverage levels.
Are Acuras high on insurance?
Acuras cost more to insure than average vehicles due to luxury features and higher repair costs, but rates remain competitive compared to other premium brands.
Does Geico insure Acuras?
Yes, Geico provides auto insurance coverage for all Acura models, though rates may be higher than specialized luxury vehicle insurers like our top recommendations.
How much is insurance for an Acura MDX?
Acura MDX insurance cost around $125 monthly for full coverage, though rates vary significantly by provider, with Erie offering the lowest at approximately $185 monthly.
Read More: What to Do If You Can’t Afford Your Auto Insurance
Is Lexus or Acura better?
Both offer reliable luxury vehicles. Lexus typically costs more to insure due to higher repair costs, while Acuras generally have more affordable insurance premiums.
Is Acura a high-maintenance car?
Acuras require moderate maintenance compared to other luxury vehicles. Their reliability helps keep insurance premiums competitive, with companies like Auto-Owners offering coverage at $205 monthly for full protection.
Is it expensive to fix an Acura?
Acura repairs cost more than standard Honda vehicles but less than European luxury brands.
What is the most common problem with Acuras?
Transmission issues are the most common problem with Acura models, and they can impact insurance rates. Car insurance cost for an Acura RDX are lower than those with documented mechanical concerns.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.