The Acura came to North America in 1986, and over the years the brand has developed a reputation for producing luxurious vehicles that are fun to drive and have some of the most advanced safety features.
You'll need the right car insurance for your Acura, and an independent insurance agent will help you find a policy that does a great job of protecting you.
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What Kind of Insurance Do You Need for Your Acura?
You have a lot of options when it comes to insuring your Acura. Rules vary from one state to the next, and there are some optional coverages that make sense if you want to be well-protected.
Most states mandate the following coverage:
- Bodily injury liability: If you are in an accident that causes injury to someone else, including passengers, pedestrians, or other drivers, bodily injury liability will pay for medical expenses and even cover lost wages for covered incidents.
- Property damage liability: If you or someone driving your car cause damage to another person's property, your property damage liability policy will help pay the bill to replace or repair the building, vehicle, or structure. Property damage liability doesn't cover damage to your vehicle, however.
Many states also require this coverage:
- Medical payments/personal injury protection: If you are in an accident and are hurt, or your passengers are hurt, medical payments or personal injury protection (PIP) coverage pays for necessary medical treatment. PIP insurance is available in "no-fault" states, and is required in some areas. You'll have the opportunity to purchase medical payments insurance everywhere else.
- Uninsured and underinsured motorist coverage: This pays for damage to your vehicle if you are in an accident with a driver who isn't properly insured. You can't control whether other drivers carry insurance, and even in states where drivers are required to carry minimum amounts of liability insurance, many drivers fail to do so.
- Collision insurance: If you cause an accident, this will pay for damage to other people's property on your behalf. Without it, your personal financial resources could be at risk.
- Comprehensive insurance: Your Acura is at risk, even when it's parked under a tree. Natural disasters, storms, and other incidents outside your control that cause damage to your car are covered with comprehensive insurance.
- Glass coverage: Replacing your Acura's windshield could cost between $300 and $500. Instead of paying that cost out of pocket, you could have your windshield replaced for free with zero-deductible glass coverage. This policy add-on typically costs just a few dollars each month.
- Gap insurance: This is essential if you finance or lease your Acura. This insurance coverage pays the difference between the car's value and the outstanding amount owed if you are in an accident and your car is a total loss. Without gap insurance, you'll be liable for paying the difference yourself.
What Affects the Cost of Insurance for Your Acura?
There are a number of factors that go into calculating insurance premiums for an Acura. It's not just about the car. Young drivers tend to pay higher car insurance rates because statistics show that they are more likely to be involved in an accident than other drivers. Teen Acura drivers pay an average of $5,908 per year for insurance. The average rate overall is $1,638 per year. Those with multiple driving violations or an at-fault accident on their record will also typically pay higher insurance rates. A high-risk driver pays an average of $3,546 per year for Acura insurance.
Average Cost of Acura Insurance by Model
The type of Acura you drive also affects your insurance premiums. These rates assume that the driver has no violations or accidents and is a 40-year-old male. With these policies, there's a $500 comprehensive and collision deductible, uninsured/underinsured motorist coverage, and minimum liability limits. Rates are also averaged across all 50 states.
|Average annual insurance premium for a new Acura by model|
|Acura ILX Hybrid||$1,580|
The Safety of Your Acura
Safety affects your insurance rates by giving insurance companies some idea of how likely you are to file a claim when you drive a certain type of car. Fortunately, Acura goes to great lengths to include essential safety features across its lineup of cars.
Driver assistive technology helps prevent crashes, and AcuraWatch Standard™ is included with every new Acura SUV and Sedan. Acura is the first luxury automobile brand to receive top safety ratings across its model line. It received a 5-star overall rating from the NHTSA.
How Location Affects Your Acura Insurance
Living in certain states could earn you a lower car insurance premium, while in other areas, your rates could be much higher.
|Average yearly auto insurance rates are least expensive in these states:|
|Average yearly auto insurance rates are most expensive in these states:|
Average Cost to Insure an Acura
The average annual policy rate in the United States for an Acura is $1,638. Your costs will vary according to the type of coverages you choose, your age, your location, and your driving record.
Here's how Acura premium averages change for younger vs. older drivers:
|Acura rates by age for full coverage with a $500 deductible|
Top Insurance Carriers That Insure the Acura
Getting the right coverage for your Acura is important, and so is the company that provides that protection. Your insurance company should be trustworthy and responsive. The U.S. Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a solid recommendation:
Get an Acura Car Insurance Quote
Reach out to an independent insurance agent today to get a quote for insurance on your Acura. These agents can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.
TrustedChoice.com Article | Reviewed by Greg Safford
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