Why Are Insurance Premiums Higher for Performance Trims?
Insurance companies charge more for performance trims on the 2025 Acura MDX. Type S models average $2,000 to $3,000 per year. Base models run $1,399. Powerful engines, high repair costs, greater vehicle value, and theft risk explain the jump.
Higher Vehicle Value Drives Up Rates
Performance trims pack sporty features like turbo V6 engines and advanced AWD. These raise the price to $75,000 or more. Base MDX starts at $52,000. Insurers pay out more on total loss claims for pricier cars.
| Trim | Starting Price | Avg Annual Insurance |
|---|---|---|
| Base MDX | $52,000 | $1,399 |
| Type S | $75,000+ | $2,000 to $3,000 |
Powerful Engines Raise Accident Risk
Type S delivers 355 horsepower. Drivers push speed limits with that power. Sports cars file more claims than average. In Tempe, AZ (85281), rates sit 10-15% above national averages. Urban roads add to the risk.
Repair Costs Hit Hard
Performance parts need costly fixes. Carbon ceramic brakes run $5,000 to $10,000 each. Adaptive suspension costs $6,000 or more. Heads-up displays add $4,000. Base trims use standard parts that shops fix fast and cheap.
| Part | Base Trim Cost | Type S Cost |
|---|---|---|
| Brakes | $1,000 to $2,000 | $5,000 to $10,000 |
| Suspension | $2,000 | $6,000+ |
| Tech Display | $1,500 | $4,000 |
Thieves Target Flashy Trims
High-end badges draw crooks to Type S models. Theft claims rise for these cars. New 2025 MDXs cost 32% more to insure than 2024 versions in some spots.
Tips to Lower Your Premiums
Shop quotes from Geico or Progressive. Geico averages $1,260 for base MDX. Claim safety discounts for AcuraWatch tech. Keep a clean driving record. Bundle home and auto policies. Raise your deductible to $1,000. These steps cut costs 10-20%.
- Compare at least three insurers.
- Ask for multi-policy discounts.
- Install anti-theft devices.
- Drive safely to build a good record.
Sidekick tracks 2025 Acura MDX costs in 85281 and compares local quotes for your trim.