Best Auto Insurance for Acuras in 2025

Amica, Erie, and Nationwide have the best auto insurance for Acuras. Erie and Amica both have excellent customer service ratings.

Acura owners have specific insurance issues to address, due to the luxury amenities, sophisticated safety features, and higher repair bills of their vehicles

Amica offers big discounts for bundling and anti-theft devices, and Nationwide rewards drivers who have new Acuras with competitive discounts.

Our Top 10 Company Picks: Best Auto Insurance for Acuras

Use this guide to find the cheapest car insurance with specialized coverage features that can affect your premium by several hundred dollars a year.

Compare Acura-specific rates and coverage options near you by entering your ZIP code into our free comparison tool.

Where to Find Affordable Acura Auto Insurance

How much does Acura insurance cost? Acura car insurance costs vary significantly by provider, with USAA offering the lowest rates.

State Farm also provides an affordable option at $110 for minimum coverage, but rates triple for full coverage insurance.

Acura Auto Insurance Monthly Rates by Coverage Level

Finding the right Acura insurance company depends on your coverage needs and the provider’s reputation. USAA is the cheapest, but coverage isn’t available to everyone.

Amica consistently delivers the most competitive combination of rates and reliable luxury coverage for Acura drivers. Compare Amica vs. Auto-Owners Insurance for more quotes.

Since Acura is a luxury make, it’s recommended that you carry more than your state’s minimum insurance requirements.

Full coverage costs more but protects your Acura by paying for repairs after accidents, collisions, vandalism, and more.

Factors That Affect Acura Auto Insurance Rates

Individual circumstances, like your age, gender, and driving history, also play a role in Acura insurance pricing.

Younger drivers pay hundreds more per month since they lack experience behind the wheel. Once drivers reach 30, monthly rates drop below $150 for minimum coverage.

A clean driving record typically results in lower premiums, while tickets, accidents, or DUIs can significantly raise Acura insurance costs.

DUIs and accidents have the biggest impact, raising rates by $70-$80 per month with top providers.

Acura Auto Insurance Monthly Rates by Driving Record

State Farm and Farmers are the cheapest providers of high-risk auto insurance for Acuras, with Farmers having the best accident forgiveness programs for Acura drivers.

Read More: State Farm vs. Farmers, Geico, Progressive, and Allstate Review

Several factors influence Acura auto insurance rates, including vehicle model, safety ratings, and insurer-specific pricing.

For example, the insurance for an Acura can be higher for luxury models, such as the MDX, especially when comparing auto insurance rates by vehicle. This is because repairs or replacements cost more.

Acura MDX vs. Similar SUVs: Auto Insurance Monthly Rates

Among Acura models, the NSX commands the highest insurance rates at $300 monthly due to its supercar status.

The Integra offers the most affordable coverage at $145 monthly, while the cost of insurance for an Acura TLX is around $155 per month.

Acura Auto Insurance Monthly Rates by Model

Other Acura features that impact insurance costs include advanced safety systems, theft deterrents, and repair complexity.

The Insurance Institute for Highway Safety (IIHS) often picks Acura models for its Top Safety Pick annual award, including the MDX and Integra (Learn More: What does the IIHS do?).

This tells insurance companies that Acuras are less likely to get into serious crashes, and that often means your monthly insurance rates will be cheaper.

However, an Acura is a luxury vehicle, and although these features may lessen claims or damages, their replacement may boost coverage levels and raise rates.

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.

Parking sensors, lane assist, leather interiors, and other high-end features increase repair costs and require higher coverage limits.

If you drive a luxury auto like an Acura, you’ll want to carry more than just basic liability insurance.

For instance, adding collision auto insurance covers repairs to your vehicle after an accident, regardless of fault.

Adding comprehensive coverage is also recommended because it covers non-collision incidents like vandalism, theft, and fire.

When choosing the best policy, it’s important to consider other car insurance coverage for Acuras beyond a standard policy.

Auto Insurance Coverage Options for Acuras

Add-ons like accident forgiveness and gap insurance can be essential for protecting newer or financed Acuras.

Many of the top companies also offer OEM coverage on new Acuras, which uses original manufacturer parts for repairs instead of third-party aftermarket parts.

Auto Insurance Coverage Add-Ons by Provider

Always compare coverage options by company, because not all providers offer the same policies. Erie is the only insurer offering all of the most common add-ons for Acura car insurance, but it’s only available in 12 states.

If Erie isn’t available in your state, enter your ZIP code to start comparing Acura insurance coverage options from providers near you.

Easy Ways to Save Money on Acura Insurance

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 vehicles, known for reliability and safety, often meet the discount criteria for features like anti-theft systems and newer model years.

Top Auto Insurance Discounts for Acura Drivers

Amica and Erie offer the biggest discounts for bundling Acura car insurance with home or renters policies, and drivers with new Acuras get the best discounts from Nationwide and State Farm.

You should shop around and compare discounts from multiple companies before you buy to see where you could save the most money.

Beyond standard discounts or bundling policies, careful choices in how you drive, store, and insure your Acura can make a noticeable difference.

Here are several strategies that can help reduce your insurance rates without sacrificing coverage.

• Increase Deductibles: Choosing a higher deductible lowers monthly Acura premiums, though it means paying more out of pocket if you file a claim.
• Limit Annual Mileage: Lower mileage reduces the risk of collision damage and theft, so insurers often charge less if you drive fewer miles.
• Park in a Garage: Storing the car in a locked garage or secured facility instead of on the street reduces theft and damage risk and can earn you discounts for vehicle garaging and storing of up to 18%.
• Enroll in Usage-Based Insurance (UBI): Some insurers track driving habits with apps or devices and reward safe driving with lower rates, even on high-value vehicles.

Applying these hacks to save more money on car insurance, such as garaging, driving safely, and enrolling in usage-based programs, can significantly lower Acura auto insurance costs.

Another great way to save is by shopping around for companies that focus on high-value vehicles and provide tailored coverage at competitive rates.

The Best Auto Insurance Companies for Acuras

Amica, Erie, and Nationwide have the best car insurance coverage for Acuras. Amica and Erie are recognized for their superior customer and claims service.

Nationwide specializes in coverage and discounts for luxury cars with high-tech features. However, none of these providers is the largest or most popular.

USAA and State Farm rank in our top five best car insurance companies for Acuras, but Progressive and Geico are the most popular (Read More: State Farm vs. Progressive Auto Insurance).

Both Geico and Progressive are among the cheapest auto insurance companies, but our top three companies have higher customer satisfaction ratings, showing that being the biggest may not always be the best choice.

#1 – Amica: Top Pick Overall

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 affordable rates.
• 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, GPS tracking, and digital insurance card storage, requiring Acura owners to carry physical documents.

#2 – Erie: Best for Affordable Rates

Pros

• Value Leader: Erie has competitive full coverage insurance on Acuras at only $395 monthly, with minimum coverage also affordable at $120 per month.
• Superior Claims Process: Acura owners routinely compliment Erie for its straightforward and efficient process in handling damage or theft claims.
• Comprehensive Discounts: Erie provides 25% savings for Acura drivers who bundle home and auto. Get a full discount list in our Erie Insurance review.

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 premium policies.

#3 – Nationwide: Best for Tech Discounts

Pros

• Generous Technology Discounts: Our Nationwide insurance review covers its 18% safety feature discount that reduces costs for newer Acuras with advanced driver assistance systems.
• Vanishing Deductible Program: Benefit from Nationwide’s deductible reduction program, which decreases deductibles by $100 annually for accident-free driving up to $500.
• 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 in understanding On Your Side Claims Service procedures and coverage exclusions for aftermarket performance modifications.

#4 – USAA: Best for Military Savings

Pros

• Military Value: Our USAA auto insurance review compares its unmatched savings of $360 monthly for full coverage on Acuras for military members.
• Financial Excellence: With an A++ rating, USAA provides the best Acura car insurance with 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 – State Farm: Best for Personalized Policies

Pros

• Acura-Specific Coverage: Our State Farm auto insurance review shows that it specializes in coverage for Acura’s all-wheel steer system and adaptive cruise control, which 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 $390 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.

#6 – 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 the latest security features.

Cons

• Higher Base Rates: At $430 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.

#7 – Auto-Owners: Best for Safety Features

Pros

• 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.
• Affordable Coverage: Auto-Owners offers competitive full coverage for Acuras, making it an excellent value for premium protection.
• Financial Stability: With an A+ A.M. Best rating, it provides Acura owners with great financial security and reliable claims processing (Read More: Auto-Owners Car Insurance Review).

Cons

• Limited Availability: 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.

#8 – Allstate: Best for High-Mileage Drivers

Pros

• Pay-Per-Mile Policies: High-mileage Acura drivers who don’t qualify for other pay-as-you-go auto insurance programs can still get lower rates with Allstate Milewise Unlimited.
• 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.
• New Vehicle Protection: Our Allstate auto insurance review shows the company’s new car replacement coverage for total losses on Acuras under two years old with fewer than 15,000 miles.

Cons

• Highest Premium Costs: At $450 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.

#9 – 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 $400 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 (Read More: Safeco Auto Insurance Review)
• 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.

#10 – Travelers: Best for Safe Drivers

Pros

• High-Mileage Coverage: Our Travelers auto insurance review highlights IntelliDrive usage-based coverage that rewards safe driving habits regardless of annual mileage.
• Safe Driving Discounts: Acura drivers who avoid speeding tickets, accidents, and claims can save 17% on their annual premiums with Travelers.
• Solid Financial Foundation: With an A++ rating, Travelers offers Acura owners exceptional financial security for their premium vehicle coverage.

Cons

• Premium Pricing: Travelers charges Acura owners more than several competitors for similar protection levels.
• 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.

How to Get the Best Acura Insurance Coverage

Amica, Erie, and Nationwide stand out as having the best auto insurance for Acuras. Amica provides the best balance of price, customer service, and luxury auto coverage.

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 Acura auto insurance rates even more.

Use our free comparison tool to see what Acura insurance quotes look like in your area.