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In an effort to help distinguish itself from its Japanese rivals and to broaden its share of the entire automotive market, Honda established the luxury brand Acura in 1986. The success of the Acura Legend in the U.S. marketplace led Nissan and Toyota to follow suit with the Infiniti and the Lexus respectively. In recent years, Acura has reported sales of more than 60 thousand vehicles per year in the United States and almost 160,000 total sold worldwide. Their cars have a reputation for providing comfort, luxury, high performance and reliability. The brand currently manufactures 10 models that include sedans, SUVs and the sporty (and very pricey) NSX.
Annual car insurance premiums often increase in tandem with the purchase price of the vehicle in question. And when you buy a luxury car like an Acura, it is usually recommended that you but more financial protection than the basic liability minimums that most states require. Across the United States, the average cost for full coverage (usually defined as liability, comprehensive and collision insurance) is around $1,400 per year, give or take. The average cost for insuring and Acura is between $1,500 and $1,600. As luxury cars go, that’s not too bad, but your final price will depend on the exact model Acura you purchase. The MDX and NSX models will often increase your premiums by 20% or more than other Acura models.
Keep in mind that your final premium for an Acura will also depend on your driving record. If you haven’t had an accident or serious moving violation in the last few years virtually every insurance carrier will give you a discount. Young drivers will pay more more insurance than older drivers and urban Acura owners will generally pay more than suburban or rural owners. If you have more than one car, you can almost always get a price break if you bundle their insurance together. The same applies if you have home insurance or renter’s insurance.
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It’s hard to say with specificity which particular insurer will give the lowest price for your Acura. It really does pay to shop around and get multiple quotes. Insurance quotes are issued at no cost, so doing some leg work can really pay off. You may find that there is a wide difference in price among the large carriers, so you really shouldn’t go with the first quote you get. And don’t forget, there are smaller regional carriers that offer competitive rates and great customer service. That’s where we at Americaninsurance.com can help. Our free online tool makes it easy and fast to get multiple insurance quotes.
Acura offers buyers of its cars a 4 year, 50,000 mile roadside assistance program at no additional cost. The program covers the typical roadside assistance events: flat tires, dead battery, lockout, and emergency fuel delivery.
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