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Acura auto insurance: what you need to know.

As the luxury division of Honda, Acura cars tend to stand apart from the crowd. One of their newer models, the 2021 TLX Type S, sold out online in just eight hours months ahead of its launch.

If you’re antsy to purchase their new Acura, we recommend figuring out what auto insurance will cost you first. Why? Well, your vehicle insurance for your future Acura is going to be your first line of defense against unforeseen costs should you get into an accident. We’re here to help you figure out how much it might cost, since Acura insurance prices will vary based on a variety of factors, like if you’re a new or an experienced driver, where you are in Canada and your previous driving record. This means that the question “How much is my Acura insurance?” is really made up of several smaller questions. When it comes to your choice of Acura, one of the things that will help you get cheap car insurance is the model you choose (older models are generally cheaper to insure).

All of this really means that it doesn’t make much sense to go by whatever average Acura insurance costs you see online. Our team at LowestRates.ca can help you find the best car insurance rates for whichever Acura you choose.

How much is insurance for an Acura?

Every car insurance company has its own internal formula to determine their own insurance coverage, and Acura is no different. Even though there are a number of factors involved in determining your Acura insurance rates, there are still a few ways to get an understanding of how much it’ll cost you.

Where you live is one of the biggest factors, even whether it’s a city or a town. Insurance companies predict the likelihood your vehicle will be stolen. In recent years, Acuras have avoided landing on lists of the most-stolen cars in Canada, which will only help with your Acura insurance claims. If you’re a young driver looking for Acura insurance, your prices are going to be higher than an older driver due to your lack of experience. Also important to note is that only Ontario, Alberta, Quebec, the Atlantic provinces and the territories are the only places in Canada that offer private insurance for your Acura. Outside of these provinces, car insurance is provided by the government, which limits your options. Another game-changer in the rates for your Acura car insurance would be if you have any prior driving convictions on your record.

All of these factors add up. The best way forward is to get quotes for your Acura car insurance.

The following are Acura car insurance rates offered to real LowestRates.ca users.

Estimated Premium

See how our customers with collision coverage save big on auto insurance.

Customer	Location	Vehicle	Lowest rate	Average rate	Saved
Quote from July 26, 2024 Customer Female, 71 years old	Location ontario	Vehicle 2013 ACURA RDX 4DR AWD	Lowest Rate $183/mth $2,193/yr	Average Rate $252/mth $3,020/yr	Saved $69/mth 27.38%
Quote from July 26, 2024 Customer Male, 36 years old	Location ontario	Vehicle 2024 ACURA MDX A-SPEC 4DR AWD	Lowest Rate $184/mth $2,207/yr	Average Rate $282/mth $3,378/yr	Saved $98/mth 34.67%
Quote from July 26, 2024 Customer Male, 23 years old	Location ontario	Vehicle 2018 ACURA TLX V6 4DR AWD	Lowest Rate $568/mth $6,816/yr	Average Rate $944/mth $11,330/yr	Saved $376/mth 39.84%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Your questions about Acura auto insurance rates, answered.

What is the cheapest Acura to insure?

There isn’t going to be any individual Acura model that is the cheapest to insure, given that it doesn’t really come down to the car itself. As we’ve noted before, it matters who’s driving the car. That being said, there are some things to look out for if that’s one of your top priorities.

Lower-end models without any modifications are usually the cheapest to insure, given that repairs are easier. Should you choose one of these Acuras, it will only help your car insurance rates.

At the end of the day though, choosing the best insurance policy for your Acura won’t come down to one thing, which is why LowestRates.ca is here to help you along the way.

Used vs. new Acura: which is cheaper to insure?

Generally, used Acuras are going to have cheaper car insurance.

Comprehensive and collision coverage is strongly recommended for new Acura models. These are optional coverages and purchasing them will increase your insurance bill. It’ll come in handy, though, if you need to make a claim on your state of the art Acura and can’t pay for repairs out of pocket. For leased Acuras, purchasing collision and comprehensive is mandatory.

Usually any Acura model that’s five years or older is less likely to need enhanced insurance coverage. When it comes to finding discounted insurance, the rule of thumb is to buy a car that’s two to three years older than the current model year. By this point, it will have depreciated enough in value and it shouldn’t have too many kilometers on it. The long and short of it? You’ll save on your Acura insurance with a used car.

What is the best car insurance for an Acura?

When you compare Acura car insurance prices, there won’t be a single insurance provider that checks off all your boxes for whatever model you’re after. No insurance company offers discount rates to lure customers away from their competitors. So what dictates the price of your insurance? What matters most is who is behind the wheel, how long they’ve been there, and where they drive.

It also doesn’t much matter if you seek out insurance for your Acura online or in-person, since each company has different underwriting standards and prices will vary. Either way, you’ll get a good look at your Acura’s options from an insurance broker, and with a thriving market in Canada, that’s what matters most.

To get a good understanding of your choices, try our comparison tool at LowestRates.ca.

How are auto insurance quotes for Acura calculated?

Location: As we’ve said, it can come down to whether you live in a city or town and even what province you’re in. Being a driver in Ontario is costlier than being one in, say, Quebec.
Age: Anyone under 25 is going to have a tougher time with their Acura insurance review, simply because they’ve done less driving than those who are older. Ontario, Quebec, Alberta and B.C. also allow providers to set rates based on the drivers age.
History: As long as you’ve never had to file a claim or had a driving related conviction, you’re going to have it easy with your Acura insurance claims, at least in this regard.
Customer loyalty: Every company, insurance or otherwise, loves some customer loyalty, so if you were to get a renewal on your Acura insurance with the same provider, they’re more than likely to give you a cheaper rate.
Insurance company’s own underwriting: These vary by company and are something to keep in mind when exploring the market.

Is it safe to buy Acura insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.