Best Auto Insurance for Acuras in 2025 (Top 10 Companies for Your Vehicle!)
Finding the best auto insurance for Acuras is easy when Auto-Owners, State Farm, and Amica offer great customer service with A++ financial ratings. Cheap car insurance coverage for Acuras starts at $95 monthly, and these top providers deliver exceptional value and up to 30% discounts for bundling policies.
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UPDATED: May 2, 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 2, 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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563 reviewsCompany Facts
Full Coverage for Acuras
A.M. Best
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Pros & Cons
563 reviews
18,154 reviewsCompany Facts
Full Coverage for Acuras
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
768 reviewsCompany Facts
Full Coverage for Acuras
A.M. Best
Complaint Level
Pros & Cons
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 | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 16% | A+ | Low Rates | Auto-Owners |
 | #2 | 17% | A++ | Personalized Policies | State Farm |
 | #3 | 30% | A+ | Customer Service | Amica |
 | #4 | 10% | A++ | Military Savings | USAA |
 | #5 | 15% | A | Flexible Payments | Safeco |
 | #6 | 25% | A+ | Claims Satisfaction | Erie |
 | #7 | 13% | A++ | High-Mileage Drivers | Travelers |
 | #8 | 20% | A | Accident Forgiveness | Farmers |
 | #9 | 20% | A+ | Multi-Policy Savings | Nationwide |
 | #10 | 25% | A+ | New Models | Allstate |
If you’re looking for quality coverage for your luxury vehicle, our comprehensive guide reveals the cheapest car insurance companies for Acuras and provides detailed rate comparisons across the top ten providers.
- 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
- DUIs can raise rates by over $80 per month
Explore model-specific pricing differences and essential coverage options tailored specifically for Acura owners below. See which companies have the cheapest minimum auto insurance rates 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, Auto-Owners provides Acura owners with exceptional financial security and reliable claims processing.
- Substantial Discounts: Acura drivers can enjoy a 16% bundling discount, helping reduce the overall cost of insuring luxury vehicles (Read More: Auto-Owners Car Insurance Review).
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.
- Online Presence: The digital platform for handling Acura insurance policies with Auto-Owners isn’t as user-friendly as some of the other options out there.
#2 – State Farm: Best for Personalized Policies
Pros
- Customizable Protection: Our State Farm auto insurance review shows how it excels when it comes to offering customizable coverage for different Acura models.
- 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 Specialty Coverage: Certain distinctive features in luxury Acuras might need extra riders, raising the policy cost.
#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.
- Generous Bundle Savings: The substantial 30% bundling discount helps Acura drivers significantly reduce their overall insurance expenses through Amica.
Cons
- Stringent Acceptance Criteria: Amica’s underwriting standards for luxury vehicles like Acuras can be more selective than those of other insurance providers.
- Limited Digital Tools: Some Acura owners report that Amica’s mobile app lacks certain features for managing their premium vehicle policies.
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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.
- Low Complaint Frequency: Acura drivers consistently report high satisfaction with USAA’s handling of claims and overall customer service experience.
Cons
- Restricted Eligibility: USAA coverage for Acuras is exclusively available to military members and their families, limiting accessibility.
- Modest Bundling Discount: The 10% bundling discount for Acura insurance is lower than many competitors in the premium auto segment.
#5 – Safeco: Best for Flexible Payments
Pros
- Flexible Payment Options: Acura owners appreciate Safeco’s various payment schedules to suit different budget requirements, as well as luxury and exotic car insurance coverage.
- Competitive Pricing: Safeco provides full coverage for Acura drivers at a cost of $210 monthly. It is a reasonable price for good coverage.
- Multi-Policy Savings: Safeco gives a competitive 15% discount to Acura owners who combine their home and auto policies to save the most.
Cons
- Average Financial Rating: Safeco holds an A rating. It is stable enough to ensure luxury Acuras — good, but not remarkable when set against the competition.
- Mixed Customer Service: A few Acura motorists have indicated inconsistent experiences with Safeco’s claims process, depending on geographical location.
#6 – Erie: Best for Claims Satisfaction
Pros
- Superior Claims Process: Acura owners consistently praise Erie’s efficient and straightforward approach when processing damage or theft claims.
- Generous Bundling: The substantial 25% discount for bundling policies helps Acura drivers maximize savings while maintaining comprehensive coverage.
- Value Leader: Erie has the lowest price for full coverage insurance on Acuras, which is only $185 a month. Minimum coverage is also the cheapest at $95 monthly.
Cons
- Limited Geographic Availability: Erie only offers car insurance for Acuras in 12 states.
- Basic Digital Experience: Acura owners seeking advanced online policy management may find Erie’s digital tools less sophisticated than competitors (Read More: Erie Auto Insurance vs. MetLife).
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#7 – Travelers: Best for High-Mileage Drivers
Pros
- Mileage Benefits: Our Travelers auto insurance review highlights special coverage options for Acuras with high annual mileage at reasonable rates.
- Solid Financial Foundation: With an A++ rating, Travelers offers Acura owners exceptional financial security for their premium vehicle coverage.
- Specialized Programs: Acura drivers who commute extensively benefit from Travelers’ tailored coverage options designed for high-usage vehicles.
Cons
- Premium Pricing: At $235 monthly for full coverage, Travelers charges Acura owners more than several competitors for similar protection.
- Lower Bundling Discount: The 13% bundling discount for Acura insurance policies falls below the industry average for luxury vehicles.
#8 – Farmers: Best for Accident Forgiveness
Pros
- Forgiveness Program: Our Farmers review confirms its excellent accident forgiveness benefits, which protect claim-free Acura drivers from rate increases.
- Customizable Options: Acura owners appreciate Farmers’ three-tiered coverage approach that allows for personalization based on vehicle value.
- Strong Bundling Benefit: The substantial 20% discount for bundling multiple policies helps offset Farmers’ higher base premium for Acuras.
Cons
- Higher Base Rates: At $250 monthly for full coverage, Farmers charges Acura owners significantly more than most competitors.
- Mixed Customer Feedback: Some Acura drivers report inconsistent experiences with Farmers’ claims processing for luxury vehicle repairs.
#9 – Nationwide: Best for Multi-Policy Savings
Pros
- Substantial Savings: Our Nationwide insurance review shows that its impressive 20% bundling discount significantly reduces overall costs for Acura owners.
- Vanishing Deductible: Acura drivers benefit from Nationwide’s program, which reduces deductibles over time with safe driving records.
- Comprehensive Coverage Options: Nationwide offers specialized protection features designed specifically for luxury vehicles like various Acura models.
Cons
- Premium Cost Structure: At $265 monthly for full coverage, Nationwide charges Acura owners considerably more than most competitors.
- Complex Policy Structure: Some Acura drivers report challenges understanding Nationwide’s coverage details and exclusions for luxury vehicles.
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#10 – Allstate: Best for New Models
Pros
- New Vehicle Benefits: Compare coverage options in our Allstate auto insurance review, especially those policies designed for new Acuras under warranty.
- Accident Forgiveness: Acura owners can protect their premium rates from increasing after their first accident with Allstate’s forgiveness program.
- Strong Bundle Discount: The substantial 25% savings for bundling multiple policies help offset Allstate’s higher premium for Acura coverage.
Cons
- Highest Premium Costs: At $280 monthly for full coverage, Allstate charges Acura owners the highest rates among major insurers.
- Mixed Service Experiences: Some Acura drivers report varying levels of satisfaction with Allstate’s claims processing and customer support.
Top Companies Offering The Best Auto Insurance Rates For Acuras
Finding the right Acura insurance company depends on your coverage needs and the provider’s reputation. According to the best car insurance from Consumer Reports, insurers like Auto-Owners, State Farm, and Amica often offer competitive rates and strong customer service.
Acura Auto Insurance Monthly Rates by Provider & 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? Some insurers, such as USAA and Erie, provide balanced options for coverage and service. Amica is also among the cheapest Acura auto insurance companies, starting at $108 a month for a minimum policy.
You work for your legacy. We work to protect it. @jaytatum0 pic.twitter.com/xzxNT18OOJ
— Amica Insurance (@Amica) April 10, 2025
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.
Even if your current policy seems affordable, shopping around could uncover better coverage from top providers.
Scott Young MANAGING EDITOR
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.
Key Factors That Impact Acura Auto Insurance Rates
Several factors influence 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 Auto Insurance Monthly Rates by Driving Record & Provider| Insurance 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 | 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.
While these features can reduce claims or injuries, their replacement can increase coverage rates. When planning to buy auto insurance, understanding these variables helps Acura owners choose the most cost-effective policy without sacrificing coverage. Comparing insurers is essential, as each company evaluates these factors differently.
Essential Auto Insurance Coverage For Acuras
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.
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| Insurance Company | Accident Forgiveness | Gap Insurance | Rental Reimbursement | Rideshare Coverage | 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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Discounts & Tips to Save on Acura Auto 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 Auto Insurance Discounts From Top Providers| Insurance 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.
Your Guide to The Best Acura Auto Insurance
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 is 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.
Do Acuras have affordable auto insurance?
Acura car insurance is affordable, with rates starting at $95 monthly for minimum coverage. Compare auto insurance companies to find the best value, as prices vary significantly based on model and coverage levels.
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. Models with better reliability ratings, like the RDX, typically enjoy lower premiums than those with documented mechanical concerns.
What is a good monthly payment for Acura auto 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 your cheapest 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 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.
Enter your zip code below to view companies that have cheap insurance rates.
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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.