Full Coverage Costs More but Protects Your Luxury SUV
Full coverage for a 2025 Acura MDX costs $1,399 per year on average. That equals $117 per month. Liability-only runs $1,248 per year or $104 per month. You pay $13 more each month for full coverage. These rates come from national averages for this luxury SUV.
Price Comparison Table
| Coverage Type | Monthly Cost | Yearly Cost |
|---|---|---|
| Liability-only | $104 | $1,248 |
| Full Coverage | $117 | $1,399 |
Rates change by location. Arizona drivers pay $1,708 per year for full coverage on a 2025 Acura MDX. California drivers pay $2,514 per year.
What Each Type Covers
Liability-only covers damage you cause to others' cars or property. It skips your own SUV.
Full coverage builds on liability. It adds two main parts:
- Collision: Fixes your SUV after you hit another car or object.
- Comprehensive: Covers theft, weather damage, falling objects, or animal crashes.
Banks require full coverage if you finance or lease your Acura MDX.
Age Affects Rates
Young drivers face high rates. Costs drop as you age with a clean record. Check full coverage costs for a 2025 Acura MDX:
| Age | Yearly Cost |
|---|---|
| 16 | $5,278 |
| 40 | $1,468 |
| 60 | $1,310 |
A clean record gets you the best rates from top insurers.
State Cost Examples
| State | Full Coverage (Yearly) |
|---|---|
| Arizona | $1,708 |
| California | $2,514 |
Tips to Cut Costs
- Shop quotes from Geico, Progressive, and State Farm. Geico offers the lowest full coverage at $1,260 per year for this SUV.
- Check your SUV's value. Switch to liability if you own it outright and it's older.
- Bundle home and auto insurance. Save up to 25%.
- Raise your deductible from $500 to $1,000. Premiums drop.
- Keep a clean record. Skip tickets and crashes.
- Hunt safe driver or low-mileage discounts.
Sidekick compares insurance with repairs, fuel, and maintenance costs. It shows your full SUV ownership picture.