Cheap Acura ZDX Car Insurance in 2024 (Save Cash With These 10 Companies!)
The best providers for cheap Acura ZDX car insurance are American National, USAA, and Erie, offering competitive rates starting at $27 per month. These companies stand out for their affordability and comprehensive coverage, making them the top picks for Acura ZDX owners seeking cost-effective insurance options.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Oct 22, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The cheap Acura ZDX car insurance providers are American National, USAA, and Erie, these insurers not only offer competitive pricing but also provide extensive coverage options and exceptional customer service.
These companies excel in affordability, offering competitive rates that make them accessible to a wide range of drivers without compromising on coverage quality.
Our Top 10 Company Picks: Cheap Acura ZDX Car Insurance
| Company | Rank | Monthly Rates | Multi-Policy Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $27 | 10% | Low Rates | American National |
 | #2 | $30 | 10% | Military Families | USAA |
 | #3 | $31 | 10% | Customer Service | Erie |
 | #4 | $33 | 15% | Overall Savings | Auto-Owners |
 | #5 | $37 | 10% | Personalized Service | Mapfre |
 | #6 | $39 | 17% | Good Drivers | State Farm |
 | #7 | $41 | 25% | Young Drivers | Geico |
 | #8 | $43 | 12% | Full Coverage | Travelers |
 | #9 | $59 | 15% | Diverse Discounts | Progressive |
 | #10 | $65 | 10% | Comprehensive Coverage | Nationwide |
Factors like driving history, location, and vehicle details influence insurance rates, and comparing quotes is essential. Discover tips to lower your premiums and the benefits of comprehensive coverage in this detailed guide.
Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
- American National is the top pick with rates at $27 per month
- Find cheap Acura ZDX car insurance by comparing rates from multiple providers
- Lower premiums by maintaining a good driving record and comprehensive coverage
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#1 – American National: Top Overall Pick
Pros
- Affordable Rates: American National insurance review & ratings highlights its competitive pricing, positioning it as a cost-effective option for budget-conscious drivers.
- Discount Opportunities: The company provides various discounts for bundling policies, safe driving, and having anti-theft devices installed in your vehicle.
- Customer Service: Known for good customer service, American National has a reputation for being responsive and helpful in handling claims and inquiries.
Cons
- Limited Availability: American National may not be available in all states, limiting its accessibility to some customers.
- Digital Experience: Their online tools and mobile app may not be as advanced or user-friendly compared to larger insurance companies.
#2 – USAA: Best for Military Families
Pros
- Military Focus: Tailored specifically for military members and their families, USAA understands the unique needs of its members.
- Exceptional Customer Service: USAA insurance review & ratings highlight consistently high customer satisfaction, showcasing a strong reputation for excellent service and support.
- Comprehensive Coverage: Offers a wide range of coverage options, including specialized policies for military members, such as deployment and PCS (Permanent Change of Station) coverage.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families, limiting access for the general public.
- Higher Premiums: While competitive, some premiums may be higher compared to other insurers offering similar coverage.
#3 – Erie: Best for Customer Service
Pros
- Competitive Rates: Erie offers competitive pricing, often lower than larger national insurers, providing significant savings for customers.
- Comprehensive Coverage Options: Erie provides a wide range of coverage options, including unique add-ons like personal injury protection and pet injury coverage.
- Customer Service: Erie insurance review & ratings highlight its strong customer service, featuring high customer satisfaction and attentive agents.
Cons
- Limited Availability: Erie Insurance is only available in 12 states and Washington D.C., limiting its accessibility for many potential customers.
- Online Services: Erie’s online services and mobile app are less advanced compared to some competitors, making it less convenient for tech-savvy customers.
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#4 – Auto-Owners: Best for Overall Savings
Pros
- Financial Strength: Auto-Owners has a strong financial standing with an A++ rating from A.M. Best, indicating excellent financial stability and ability to pay claims.
- Customer Satisfaction: Auto-Owners insurance review & ratings highlight the company’s reputation for high customer satisfaction thanks to its responsive and personalized service approach.
- Discount Options: Auto-Owners offers a variety of discounts, including multi-policy, good student, and safety features discounts, helping to reduce premiums.
Cons
- Availability: Auto-Owners is not available nationwide, which limits its accessibility to customers outside of its service areas.
- Technology: The company’s online services and mobile app are less robust compared to other major insurers, potentially frustrating customers who prefer digital solutions.
#5 – Mapfre: Best for Personalized Service
Pros
- Affordable Rates: Mapfre offers one of the most competitive rates, making it a budget-friendly option for many drivers.
- Strong Customer Service: Known for its responsive and helpful customer service, Mapfre tends to have high customer satisfaction ratings.
- Comprehensive Coverage Options: Mapfre provides a wide range of coverage options, including add-ons like roadside assistance and rental car reimbursement.
Cons
- Limited Availability: Mapfre is not available in all states, which could be a drawback for those living outside its service areas.
- Mixed Claims Experience: Some customers have reported inconsistencies in the claims process, with longer than expected resolution times. To broaden your understanding, explore our comprehensive resource on insurance coverage titled “How do I appeal an car insurance claim with Mapre Insurance Group?“
#6 – State Farm: Best for Good Drivers
Pros
- Nationwide Availability: State Farm offers coverage in all 50 states, ensuring broad access regardless of location.
- Excellent Financial Strength: State Farm insurance review & ratings indicate strong assurance in its ability to pay claims, backed by top-tier financial ratings.
- Extensive Agent Network: State Farm boasts a large network of local agents, providing personalized service and support.
Cons
- Slightly Higher Rates: At $39 per month, State Farm is slightly more expensive than Mapfre, which might be a consideration for budget-conscious consumers.
- Mixed Customer Service Reviews: While many customers report positive experiences, there are occasional complaints about customer service inconsistencies.
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#7 – Geico: Best for Young Drivers
Pros
- Affordable Premiums: Geico offers a competitive rate of $41, which can be a significant saving compared to other insurance providers. For a comprehensive analysis, refer to our detailed guide titled “Do Geico Employees get Car insurance discounts?“
- User-Friendly Online Services: Geico is known for its excellent online platform, allowing customers to manage policies, file claims, and get quotes with ease.
- Strong Customer Service: Geico has a reputation for responsive and helpful customer service, making it easier to resolve issues and get support.
Cons
- Limited Local Agents: Geico primarily operates online and over the phone, which might not be ideal for customers who prefer in-person service.
- Average Coverage Options: While Geico offers standard coverage, it may not have as many add-on options or specialized coverages compared to some competitors.
#8 – Travelers: Best for Full Coverage
Pros
- Comprehensive Coverage Options: Travelers offers a broad range of coverage options and add-ons, allowing customers to tailor their policies to fit specific needs.
- Discount Opportunities: With various discounts, including for hybrid/electric vehicles, new cars, and good students, Travelers helps customers save on premiums.
- Strong Financial Standing: Travelers insurance review & ratings highlight the company’s strong financial reputation and reliability in settling claims.
Cons
- Higher Premiums: At $43, Travelers is slightly more expensive than some competitors like Geico, which might be a consideration for budget-conscious customers.
- Mixed Customer Service Reviews: While many customers are satisfied, there are reports of inconsistent customer service experiences, particularly in handling claims.
#9 – Progressive: Best for Diverse Discounts
Pros
- Competitive Pricing: Progressive insurance review & ratings highlight that Progressive provides a lower premium of $59, making it a compelling choice for budget-conscious customers.
- Snapshot Program: This usage-based insurance program rewards safe drivers with potential discounts based on their driving habits.
- Extensive Discounts: Progressive offers a variety of discounts, such as multi-policy, multi-car, and good student discounts, helping customers save even more.
Cons
- Mixed Customer Service Reviews: While some customers report positive experiences, others have noted issues with customer service responsiveness and claim processing.
- Higher Rates After Accidents: Progressive may significantly increase premiums after an at-fault accident or traffic violation.
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#10 – Nationwide: Best for Comprehensive Coverage
Pros
- Strong Customer Service: Nationwide is known for its responsive and helpful customer service, with many local agents available for personalized assistance.
- Vanishing Deductible: This special feature enables policyholders to lower their deductible by $100 for every year of safe driving, according to Nationwide insurance review & ratings.
- Comprehensive Coverage Options: Nationwide offers a wide range of coverage options, including accident forgiveness, roadside assistance, and gap coverage.
Cons
- Higher Premium: At $65, Nationwide’s premium is higher than Progressive’s, which may be less attractive for budget-sensitive customers.
- Limited Availability of Discounts: While Nationwide offers many discounts, some may not be available in all states, limiting potential savings.
Key Determinants of Acura ZDX Car Insurance Premiums
Several factors influence Acura ZDX car insurance rates, including your driving record, age, location, vehicle model, and credit score. The luxury crossover’s high repair costs and desirability can increase premiums. Safety features, horsepower, and performance also affect rates, with powerful vehicles typically costing more to insure. To gain further insights, consult our comprehensive guide titled “How much is car insurance?”
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To determine accurate insurance costs, obtain quotes from multiple providers and compare them. Your driving history significantly impacts rates; a clean record may lower premiums, while accidents or violations can raise them. Location also matters; living in a high-crime or accident-prone area can increase rates, while safe neighborhoods may offer lower premiums.
Exploring Your Acura ZDX Car Insurance Options
When insuring your Acura ZDX, you have several coverage options to choose from. The most common types of car insurance coverage include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Discover the monthly insurance rates for your Acura ZDX from various providers, including American National, Auto-Owners, Erie, Geico, and more. Compare minimum and full coverage costs to find the best option for your budget and needs.
Car Insurance for Acura ZDX: Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
American National $27 $130
Auto-Owners $33 $142
Erie $31 $140
Geico $41 $152
Mapfre $37 $145
Nationwide $65 $170
Progressive $59 $160
State Farm $39 $148
Travelers $43 $155
USAA $30 $135
For instance, American National offers minimum coverage at $27 per month and full coverage at $130 per month, while Geico’s rates are $41 and $152 respectively. Explore the table to make an informed decision about your car insurance.
Liability coverage is required in most states and covers costs if you cause an accident. Collision coverage pays for repairs or replacement if your Acura ZDX is damaged in a collision. Comprehensive coverage protects against non-collision damages, and uninsured/underinsured motorist coverage covers you if the other driver lacks sufficient insurance.
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Affordable Car Insurance Strategies for Your Acura ZDX
While the cost of Acura ZDX car insurance may be higher compared to other vehicles, there are several strategies you can employ to find more affordable coverage. Here are a few tips to consider:
- Shop Around: Don’t settle for the first insurance quote you receive. Take the time to compare rates from different providers to ensure you’re getting the best deal.
- Raise Your Deductible: Increasing your deductible can lower your premium, but be sure it’s an amount you can comfortably afford to pay out of pocket in the event of a claim.
- Bundle Policies: Consider bundling your Acura ZDX insurance with other policies, such as homeowners or renters insurance, to potentially save on premiums.
- Maintain a Good Driving Record: Safe driving habits can lead to lower insurance rates over time. Avoid accidents and traffic violations to maintain a clean record.
- Seek out Discounts: Check with insurance providers for any available discounts. Many offer savings for features like anti-theft devices, safety features, or even good grades for students.
The unique design and performance characteristics of the Acura ZDX might lead to higher premiums, but with careful planning and research, you can mitigate these costs.
By understanding the factors that influence your insurance rates and taking proactive steps to address them, you can secure a policy that offers both comprehensive coverage and savings.
Essential Factors for Selecting the Best Car Insurance for Your Acura ZDX
Choosing the right car insurance for your Acura ZDX involves several key factors. Look for competitive rates, strong customer satisfaction, and a solid financial standing to ensure prompt claims payment. Consider the coverage options and any additional perks, like roadside assistance or accident forgiveness. The claims process and customer support availability are also important.
The age and driving history of the primary driver significantly impact rates. Younger drivers and those with a history of accidents or violations typically face higher premiums, while experienced drivers with clean records may receive lower rates and discounts for safe driving or defensive driving courses. For additional details, explore our comprehensive resource titled “Defensive Driving Course Car Insurance Discount.”
Exploring Discounts And Savings Options For Acura Zdx Car Insurance
Several discounts and savings options may be available when insuring your Acura ZDX. Insurance companies may offer discount programs for good students, safe drivers, and individuals who have completed driver training courses. Other discounts may be available for features such as anti-theft devices, multiple vehicles on the policy, or even being a member of certain professional organizations.
It’s also worth noting that some insurance providers offer usage-based insurance programs. These programs track your driving habits using telematics devices installed in your car and offer discounts based on your safe driving behavior. To learn more, explore our comprehensive resource titled “Tesla Telematics Review: Pros, Cons, & Alternatives.”
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Navigating Affordable Insurance Options for Your Acura ZDX
If you’re having trouble finding affordable car insurance rates for your Acura ZDX, it’s essential not to get discouraged. There are still options available to you. Consider the following five steps:
- Work on Improving Your Driving Record: Follow traffic laws and practice safe driving habits to build a clean driving record over time.
- Review Your Coverage Needs. Assess whether your current coverage limits are necessary and consider adjusting them to reduce costs.
- Seek out Insurance Providers Specializing in High-End Vehicles. Some insurance companies specialize in covering luxury vehicles like the Acura ZDX and may offer more competitive rates.
- Explore Usage-Based Insurance Programs. Choosing a usage-based insurance program can lower your premiums if you’re a safe driver.
- Consult With an Independent Insurance Agent. Independent agents have access to multiple insurance providers and can help you find the best options tailored to your needs and budget.
The process can be challenging, but there are several strategies you can employ to find better rates. With patience and persistence, you can identify insurance options that fit your budget without sacrificing necessary coverage. To delve deeper, refer to our in-depth report titled “Full Coverage Car Insurance: A Complete Guide.”
Brandon Frady Licensed Insurance Agent
Remember, you’re not alone in this—many drivers face similar challenges, and there are resources available to help you navigate the complexities of car insurance for high-end vehicles like the Acura ZDX.
Enhancing Your Acura ZDX Insurance With Strong Credit
Your credit score affects your Acura ZDX insurance rates, with good credit often leading to lower premiums due to fewer claims. For a thorough understanding, refer to our detailed analysis titled “Best Car Insurance for Drivers with Bad Credit in Arizona.”
To maintain good credit, make sure to pay your bills on time, keep your credit card balances low, and regularly review your credit report for any errors. Improving your credit can not only benefit you in securing affordable car insurance but also in various other aspects of your financial life.
Case Studies: Innovative Strategies for Affordable Acura ZDX Insurance
Securing affordable insurance for your Acura ZDX can be challenging due to its luxury status and associated costs.
- Case Study #1 – Leveraging Discounts for Comprehensive Coverage: Jane, a 35-year-old professional, secured comprehensive coverage for her Acura ZDX by bundling her auto and home insurance, enrolling in a safe driving program, and comparing quotes annually, saving 20% on premiums.
- Case Study #2 – Young Driver Achieves Affordable Rates: Alex, a 24-year-old Acura ZDX owner, reduced his high insurance premiums by 15% through a defensive driving course and a usage-based insurance program that rewarded safe driving.
- Case Study #3 – Navigating High-Risk Location Challenges: Michael, a 42-year-old engineer in a high-crime urban area, reduced his Acura ZDX insurance premiums by 18% through installing an advanced anti-theft system, opting for a higher deductible, and comparing quotes diligently.
From leveraging discounts and utilizing usage-based insurance programs to enhancing vehicle security and engaging in regular comparison shopping, there are multiple approaches to managing insurance costs. To expand your knowledge, refer to our comprehensive handbook titled “Car Driving Safety Guide for Teens and Parents.”
Justin Wright Licensed Insurance Agent
By understanding and applying these innovative methods, you can find the right balance of comprehensive coverage and affordability for your Acura ZDX.
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The Bottom Line: Affordable Acura ZDX Car Insurance
Finding affordable insurance for your Acura ZDX is possible with the right providers and strategies. American National, USAA, and Erie offer competitive rates and comprehensive coverage. Factors such as driving history, location, vehicle details, and credit score significantly impact insurance premiums.
To lower costs, consider increasing your deductible, utilizing discounts, and shopping around annually. Comprehensive coverage options include liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Understanding these factors and proactively seeking discounts can help you secure the best rates for your Acura ZDX.
Ready to shop around for the best car insurance company? Enter your ZIP code below and see which one offers the coverage you need.
Frequently Asked Questions
What is the cheapest form of car insurance?
State Farm is the cheapest car insurance company among large insurers according to NerdWallet’s analysis, with an average rate of $39 per month for minimum coverage.
What is the name of the lowest car insurance?
USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.
Find cheap car insurance quotes by entering your ZIP code below.
What brands have the cheapest insurance?
Get quotes from the cheapest companies State Farm, Geico and USAA have the cheapest car insurance for most drivers, but you need military ties to qualify for USAA.
For a comprehensive overview, explore our detailed resource titled “10 Cheapest Car Insurance Companies.”
What is the cheapest cover for insurance?
Third party cover is the minimum level required by law and normally the cheapest cover available. It only covers you for damaging someone else’s car (or property) or injuring another person (a ‘third party’) in an accident. It won’t cover any injuries to you or damage to your car.
What is the lowest level of car insurance?
The minimum amount of car insurance you’ll typically need is state-required liability coverage. This allows you to pay for some, if not all, injuries and damages you’re liable for in an accident. The most commonly required liability limits are $25,000/$50,000/$25,000, which mean: $25,000 in bodily injury per person.
What type of insurance has lowest premium?
Term life insurance is the cheapest type of life insurance policy; the cost of whole life insurance can be significantly higher.
To gain profound insights, consult our extensive guide titled “Types of Life Insurance.”
Is Acura premium or luxury?
Acura is a luxury automotive brand. Acura models offer high quality, sophisticated builds, top-of-the-line technology, premium safety features, and much more. Explore our new and certified pre-owned models to see which of these luxurious vehicles fit your driving needs.
Are Acuras expensive to maintain?
Despite being luxury vehicles, Acuras tend to have lower annual maintenance costs than other luxury brands like Audi, which average about $987 per year according to RepairPal.
Who typically has the cheapest car insurance?
The cheapest car insurance rate is $38 a month from Geico according to our research team’s cost analysis of national average prices for minimum coverage. The top 10 cheapest car insurance companies are Nationwide, Geico, State Farm, Travelers, Progressive, AAA, Allstate, Chubb, Farmers and USAA.
For detailed information, refer to our comprehensive report titled “How much insurance coverage do I need?“
What is the lowest form of car insurance?
Liability insurance is generally the cheapest car insurance coverage because it only covers the cost of bodily injuries and property damages for another party if you’re at fault for an accident. It doesn’t cover damages to your vehicle or costs associated with your injuries.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
