Best Car Insurance Company For Acuras (2023)

Maybe you need insurance for a new Acura or maybe you’re looking for a better car insurance company for the Acura you already own. Either way, you’re looking to insure a luxury vehicle. Acuras are expensive, they run premium gasoline, and you can expect to see both a higher cost of repairs and a higher monthly premium if you’re comparing them against a non-luxury vehicle. In the event of an accident, a comprehensive claim, or a total loss, you need to know that your insurance company has your back.

No matter why you’re in the market for a new insurance carrier, the first step is to scour the area looking for quotes. Maybe you’re the proud owner of an Acura MDX, RDX, or the discontinued but ever-popular NSX, surely love your Acura. You’ve got one of the best vehicles on the planet and that means finding the best auto insurance for your Acura. First, let’s talk about the coverage options to consider, then we’ll discuss how much insuring your Acura will cost.

Acura Insurance Coverage Options

Your Acura is more than just a car. Besides your home, it’s almost certainly your second-most valuable asset. Finding the best insurance for your Acura means protecting both yourself and the hard-earned cash you’ve invested and to do that, it’s important that you understand your coverage and the limitations therein. Let’s learn what types of car insurance coverage are available for your Acura:

• Liability coverage: Required in most states, liability coverage is the bedrock of all auto insurance policies. Whether you cause an accident, a pile-up, run over a neighbor’s mailbox, or cause injuries to another party, liability coverage protects you in some of the most common – and the direst – situations.
• Comprehensive car insurance coverage: To protect your Acura, comprehensive coverage may very well be a necessity. In today’s economy, windshields commonly run north of $1,000 to replace and many states waive car insurance deductibles for windshield repair/replacement. Comprehensive coverage also kicks in when you need to file claims regarding theft, falling objects, floods, or a variety of other external causes which don’t involve your vehicle colliding with another object.
• Collision coverage: Suppose you’re making payments on your Acura, whether loan or lease. Comprehensive and collision will be required by your lienholder/lessee in order to protect their respective investment. If your Acura is paid off, neither is required but both are worth looking into. Liability (listed above) pays for damages or injury to the other party’s person/vehicle in the event that you cause an accident, but liability does not pay to fix your vehicle in such an instance. Collision coverage is offered as a means of repairing or replacing your vehicle in the event of an at-fault accident. If you’re driving an Acura, this can be invaluable coverage. After all, replacing a totaled Acura could set you back $50,000. Find the best collision coverage car insurance companies.
• Uninsured/uderinsured coverage: This is a largely-unknown coverage that could be a lifesaver under the right circumstances. In many states, the required liability coverage one needs to drive covers far less in property damage than would be necessary to replace your Acura. For instance, let’s consider the Acura MDX, the most expensive Acura car. Nowadays, they go for $51,000 or more. If someone totals your vehicle but the state law only requires that they carry, say, $25,000 in property damage liability, you could be left footing the bill for half the cost of replacing your vehicle. Underinsured coverage, for this exact circumstance, steps in to make up the difference in what the other driver is required to pay, versus the funds needed. Find the best uninsured motorist coverage car insurance companies.
• Roadside assistance: This is a relatively cheap option at most insurance companies but it may help you evade the costliest of claims. Abandoning a vehicle raises the chances of vandalism and theft, so a few extra bucks a year may protect your purchase and give you peace of mind.

Ask for as many quotes as you find reasonable. Every auto insurance carrier can send you various quotes with a plethora of options. Don’t overburden your budget, but don’t assume any risk you aren’t comfortable with. If you intend to drive an expensive vehicle, take advantage of the right options.

Learn more about car insurance requirements.

How to Compare Rates and Coverage Options for Acuras

Are Acuras expensive to insure? How much will Acura car insurance cost?

They can be expensive, but the vehicle you drive is only a single factor in the larger pool of risk that’s assessed. Your age, driving history, credit score, insurance history, location, and other personal information form part of the picture too. If you’re behind the wheel of an Acura, it’s because you take pride in luxury. Acuras are pricy and so are the costs of repairs. As such, you should anticipate that your monthly insurance will run above the average.

Every insurer under the sun would be thrilled to quote you but remember: coverage and discount options vary. Gather as many quotes as you can, look over the options, and take your time to compare car insurance. While you’re on the hunt, keep these possible car insurance discounts in mind:

• Vehicle safety: Acuras are some of the safest vehicles on the road today and most insurance companies offer discounts accordingly.
• Anti-theft: If you’re driving or purchasing an Acura equipped with the highest-tech anti-theft features, ask your insurance carrier to be sure that you’re saving as much as you should.
• Multi-car: If you have more than just your Acura, link your vehicles up. Having multiple vehicles insured with the same company often garners one of the biggest discounts available.
• Multi-line: Whether it’s homeowners, renters, or life insurance, bundling products will save on each.
• Drivers training: It’s probably been some time since you’ve taken a drivers training course, but many insurers offer discounts for taking updated classes, even if they’re taken online.
• Usage-based discounts: Many major insurance companies now offer discounts for drivers who allow the monitoring of driving habits, whether through a device received in the mail or by downloading and maintaining an app.

The Bottom Line: Selecting the Best Insurance Company

Who should insure your Acura? The true answer is: it depends. Prices differ from city to city, state to state, and even street to street. But wherever you reside, quotes are your friend. By all means, compare rates and coverage options to your heart’s content, but don’t make your final selection based on cost alone. Price should always be a determining factor, but it should never be the only one.

When an emergency happens, who do you trust to handle your concerns? Who do you believe will address your claim quickly, help you secure a rental vehicle, or help you find the right body shop? Every provider has a different method of operation and which is best likely has more to do with your personality than the fine print of an insurance contract. If you prefer doing business with a single person, opt for an agent. Independent agents (brokers) can quote you from a variety of companies at once, plus they serve as your primary contact in the event of an emergency, claim, or crisis. Other companies prefer to operate without local agents at all, often saving on expenses and they tend to prioritize short hold times by running several call centers.

The scarcity of quality new and used vehicles in today’s economy has ballooned both the price of replacement parts and the price of vehicle ownership. As such, claims are costlier than usual, perhaps more than they’ve ever been. Acuras aren’t the costliest to repair on the market, but they’re still luxurious and you can count on luxury costs. For this reason, it’s important that you choose the insurer that gives you the peace of mind you deserve. If you’re concerned that you aren’t properly covered, you’re probably right. It never hurts to shop around.