If you’re shopping for an Acura ZDX or already own one, insurance cost is a big piece of the total ownership puzzle. As a midsize luxury electric SUV, the Acura ZDX typically costs more to insure than a gas RDX or MDX, and rates can easily swing by more than a thousand dollars a year depending on where you live and how you drive.
Quick take
Acura ZDX insurance cost overview
Because the all‑electric ZDX is new to the market, insurers don’t yet publish as much long‑term data as they do for older Acura models. But you can triangulate your likely Acura ZDX insurance cost from a few public benchmarks:
How ZDX insurance stacks up
Keep in mind that the higher ZDX estimate above reflects a new, luxury electric SUV with fresh MSRPs in the $60,000+ range and more expensive components. If you’re insuring a slightly older or used ZDX, your premium can trend down over time as the vehicle value drops, especially if you keep a clean record and shop your rate regularly.
Why estimates vary so much
How much does it cost to insure an Acura ZDX?
Let’s translate the benchmarks into something more practical. Based on public data for Acura insurance costs and early estimates for the ZDX, here’s a realistic range for full‑coverage policies (liability + collision + comprehensive) in 2025:
Estimated Acura ZDX annual insurance cost ranges (full coverage)
Illustrative ranges for a 30–40‑year‑old driver with a clean record, 12,000 miles per year, and typical coverage limits. Your quote may differ.
| Driver profile / situation | Likely annual range | Rough monthly cost |
|---|---|---|
| Preferred driver, low‑risk ZIP, A‑Spec | $1,900 – $2,600 | $160 – $220 |
| Preferred driver, higher‑risk ZIP or urban core | $2,500 – $3,400 | $210 – $285 |
| Type S performance trim, average risk | $2,700 – $3,700 | $225 – $310 |
| Recent at‑fault accident or speeding ticket | $3,400 – $4,600+ | $285 – $385+ |
| Young drivers (under 25), any trim | $3,800 – $5,500+ | $315 – $460+ |
Use these ranges as a starting point, not a guarantee. Always compare multiple real quotes.
Compared with Acura’s gasoline lineup, that places the ZDX above mainstream models like the RDX and MDX, and closer to what you’d expect for a high‑value performance vehicle. That’s typical for early‑run EVs with expensive batteries and sophisticated driver‑assistance suites.
Use other Acuras as a proxy
Why electric SUVs like the ZDX cost more to insure
Insurers don’t raise premiums just because a vehicle is electric. They’re reacting to how much they expect to pay out in claims. For a model like the Acura ZDX, several factors tend to push insurance costs up compared with a similarly sized gasoline SUV.
Key forces behind higher ZDX insurance rates
Where your premium is really coming from
High vehicle value
Expensive battery pack
Specialized repairs
Advanced safety tech
Limited loss history
Urban EV concentration
The good news for EV drivers
ZDX trims: A-Spec vs. Type S insurance differences
The Acura ZDX launched with at least two headline trims: A‑Spec, positioned as the more comfort‑oriented package, and Type S, tuned for performance with more power and bigger brakes and wheels. Insurers pay attention to those differences because they correlate with how a vehicle is driven and how expensive it is to repair.
A‑Spec: the “cheaper to insure” ZDX
- Lower power output and softer suspension tuning can mean fewer high‑speed claims on average.
- Smaller wheels/tires and slightly less aggressive bodywork can reduce repair invoices for curb rash and minor collisions.
- If you’re not chasing maximum performance, the A‑Spec is generally the better bet for both purchase price and insurance cost.
Type S: higher performance, higher exposure
- More power and performance hardware can nudge insurers to assume a higher risk driving profile.
- Larger wheels, performance tires and unique aero bits are typically more expensive to replace.
- Expect many carriers to price a ZDX Type S at least a few hundred dollars a year above an equivalent A‑Spec for the same driver profile.
Modifications matter
State-by-state Acura ZDX insurance examples
Location is one of the strongest predictors of what you’ll pay to insure an Acura ZDX. Everything from medical costs to lawsuit frequency, theft rates and weather risk in your ZIP code flows into the rate filing your insurer uses.
Sample Acura ZDX annual insurance premiums by state
Example full‑coverage premiums for a good driver. These figures are for illustration only and show how wide the gap can be from state to state.
| State (sample) | Good driver – example annual premium | Notes |
|---|---|---|
| California | ≈$2,800 – $3,500 | Historically among the highest auto‑insurance markets; dense traffic and high repair costs. |
| Florida | ≈$3,300 – $4,100 | Frequent storms, high medical and litigation costs, and heavy traffic push premiums higher. |
| New York | ≈$3,000 – $3,900 | Downstate urban areas drive much of the average; rural drivers often pay less. |
| Texas | ≈$2,600 – $3,600 | Fast‑growing population, hail and storm exposure, and high truck/SUV mix. |
| Ohio | ≈$1,900 – $2,500 | Sits on the lower end of the spectrum for many drivers, though city ZIPs still cost more. |
High‑cost states stack expensive medical care, congestion, and legal risk on top of the ZDX’s already premium price point.
Always quote your actual garaging ZIP
How safety scores and features impact ZDX insurance
The 2024 Acura ZDX performs well in independent crash testing, and that helps counterbalance some of the cost pressure from its EV hardware. Strong crashworthiness and modern driver‑assistance tech signal fewer severe injuries and lower claim severity over time.
- The ZDX earns strong ratings for crashworthiness and updated side‑impact tests, consistent with Acura’s safety record.
- Standard front crash‑prevention systems perform well in vehicle‑to‑vehicle tests and provide automatic emergency braking and pedestrian detection in many scenarios.
- Standard lane‑keeping assist, blind‑spot monitoring, and rear automatic braking reduce low‑speed parking and lane‑change incidents that generate frequent small claims.
- Seat‑belt reminders and well‑designed child‑seat anchors contribute to better occupant protection, something insurers like to see in the data.
How to turn safety into savings
Ways to lower your Acura ZDX insurance cost
You can’t change the fact that the Acura ZDX is a high‑value electric SUV, but you can control how much risk your policy puts on the insurer’s books. A few targeted tweaks often cut hundreds of dollars off an annual premium without gutting your coverage.
Practical ways to shrink your ZDX insurance bill
Choose realistic coverage limits
Don’t guess. Price out state‑minimum liability, then quote higher limits such as 100/300/50 and 250/500/100. In many markets, the jump from bare‑minimum to robust protection is smaller than you’d think, especially for safe drivers.
Right‑size your deductibles
Raising collision and comprehensive deductibles from $500 to $1,000 shifts more minor damage cost to you, but it can reduce premiums, particularly on new, high‑value EVs. Make sure you keep enough cash on hand to cover that deductible if you need it.
Take advantage of telematics programs
Many carriers now offer usage‑based or “driver score” programs. If you’re a smooth, low‑mileage driver, sharing that data can unlock sizable discounts within a policy term, often 10–25% or more for consistently safe behavior.
Bundle home, renters, or umbrella
Multi‑policy discounts remain some of the easiest savings. If you own a home or carry a renters or umbrella policy, bundling them with your auto insurance can improve your overall price without sacrificing coverage.
Ask about EV and safety discounts
Some insurers offer specific discounts for electric vehicles, anti‑theft technology, or advanced driver‑assistance systems. Confirm that your ZDX’s standard equipment is coded correctly in your policy so you’re not leaving discounts on the table.
Shop around at renewal, every year
Insurers constantly update their models, and EV pricing is moving fast. Make a habit of checking at least three competitive quotes at every renewal, especially after life changes like a move, a new job, or a change in annual mileage.
Watch for gaps on financed ZDXs
Insuring a used Acura ZDX and total cost of ownership
The Acura ZDX’s short production run means many examples on the market over the next few years will be one‑owner vehicles coming off leases or early purchases. That puts used buyers in a good spot: you get luxury EV features with a lower purchase price, and potentially lower insurance cost, than the original owner paid.
Why used ZDX insurance can be cheaper
- Depreciation lowers the replacement cost insurers worry about, especially after the first 2–3 years.
- Repair networks get more familiar with the model, which can slowly compress claim costs.
- If you buy from a previous owner with no major claims history on the VIN, you’re not inheriting a vehicle that’s already triggered multiple big payouts.
Where Recharged fits in
When you shop for a used EV through Recharged, every vehicle comes with a Recharged Score Report that verifies battery health and fair market pricing. That transparency can make it easier to select coverage limits that reflect the true value of the SUV you’re buying, not a guess.
Because Recharged handles financing, trade‑in, and nationwide delivery digitally, you can line up your insurance quotes while you finalize your deal, instead of scrambling on delivery day.
Checklist before you get a ZDX insurance quote
A little prep work can make your quotes more accurate and comparable across carriers. Use this quick checklist before you start filling out online forms or calling agents.
Information to gather before quoting an Acura ZDX
Vehicle details
Have the full 17‑digit VIN handy if possible, plus model year, trim (A‑Spec vs. Type S), estimated annual mileage, and whether the ZDX will be financed, leased, or owned free and clear.
Driver information
List every household driver: names, dates of birth, license numbers, and any tickets or accidents from the past 3–5 years. Small details here can move your price meaningfully.
Coverage needs
Decide whether you want comprehensive and collision, what liability limits you’re comfortable with, and preferred deductibles for physical damage coverage. Use your current policy as a starting point if you already own a vehicle.
Usage pattern
Be ready to estimate how you’ll use the ZDX, daily commuting, occasional road trips, business use, or rideshare. Some carriers offer lower rates for low‑mileage or pleasure‑use vehicles.
Garage and security
Note whether you park in a private garage, driveway, or on the street, and whether the vehicle will be protected by cameras, alarms, or gated parking, details that can influence theft and vandalism risk.
Quote comparison plan
Pick at least three insurers or brokers you’ll check. Getting quotes on the same day, with the same details and limits, makes it much easier to see who’s actually cheaper.
Acura ZDX insurance FAQ
Frequently asked questions about Acura ZDX insurance
Bottom line: Is Acura ZDX insurance worth it?
Insuring an Acura ZDX won’t be as cheap as covering a compact sedan, but that’s not the right comparison. You’re buying a modern, all‑electric luxury SUV with strong safety credentials and serious performance, and the insurance market prices it accordingly. The key is understanding where that premium comes from and how much control you still have over the final number.
If you drive responsibly, choose coverage limits with intention, and shop your rate regularly, you can keep Acura ZDX insurance costs in check, especially as the model ages and more used examples hit the market. And if you’re thinking about making the jump into a used electric SUV, Recharged can help you evaluate total cost of ownership from day one, combining transparent battery‑health reporting with expert guidance on financing, trade‑in value and day‑to‑day running costs.
