About $2,071 a year for full coverage on a national average — 44% more than the $1,438 average car. Insurers rate the Acura ZDX at an index of 144 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2011-2013).
The premium isn't spread evenly across the Acura ZDX: Collision — damage to your own car in a crash — carries its highest loss index at 191, while Comprehensive sits at 97. Those 94 points are the real reason behind the price, and they are the part a quote form never shows you. Worth noting: this car earns 5 stars from NHTSA and still insures above average — crash protection and repair cost are separate things, and insurers price the second one. Calculated from 3 insurance-loss records.
Why a ZDX costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $2,071: Liability (BI + PD) $994 · Collision $580 · Comprehensive $249 · Other (UM / PIP) $249.
How it changed by generation
Insurance-loss index of the ZDX across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The ZDX has become more expensive to insure over time (+4 points).
What a ZDX costs by state
Where you park matters as much as what you drive. The ZDX's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | ZDX est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Acura ZDX's loss index of 144 — your own quote also depends on age, record, deductible and ZIP.
Acura ZDX insurance — frequently asked
How much is insurance for a Acura ZDX?
About $2,071 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 144 applied to the US average premium.
Why is the ZDX expensive or cheap to insure?
For the Acura ZDX the costliest area is Collision at an index of 191, covering damage to your own car in a crash — against 97 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Acura ZDX lands at 144, not at what it costs new.
Does its safety rating lower the premium?
Not directly. The ZDX holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same ZDX can differ by hundreds between two drivers.
How we work this out
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