Acura Car Insurance

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Acura Car Insurance

For over 30 years, Humberview Insurance Brokers has been dedicated to helping Acura vehicle owners in Ontario, Canada, secure the best deals on their car insurance. Our commitment goes beyond just competitive rates; we believe that a well-informed Acura driver is a happier, safer driver. That's why we offer expert advice and personalized service tailored specifically for Acura vehicles. From the initial quote to getting coverage—and even beyond—we're here to ensure your insurance experience is seamless and exceptional. Contact us today to get a quote on Acura car insurance in Ontario.

Standard Acura Insurance in Ontario


This section of your Acura car insurance policy protects against damage you might cause to others or their property. It's crucial for Acura drivers who prioritize responsible and safe driving.

Direct Compensation Property Damage

This covers damage to your Acura from your own insurance company when you're not at fault. If you're at fault, collision or all perils coverage is necessary. Remember, starting from January 1, 2024, there's an option to opt-out of this coverage.

Uninsured Automobile Coverage

Vital for Acura owners, this ensures protection if you're hit by an uninsured motorist or involved in a hit-and-run. It covers damage to your Acura by an identified uninsured driver, safeguarding your high-quality vehicle in such unforeseen incidents.

Accident Benefits

This offers compensation if you or others are injured or killed in a car accident. For Acura drivers, it means peace of mind, knowing that you and your passengers are covered. There are various options to enhance this coverage, so speaking with a broker is advisable.

Additional Coverages You Should Add For Your Acura Insurance

Acura Collision Coverage

This offers protection for your Acura in case of hitting an object or another car. It's essential to protect your vehicle during a collision.

Comprehensive Coverage for Acura

Provides coverage for specific types of damages like falling objects, theft, and fire. This is crucial for Acura owners to shield their vehicle from various unforeseen events.

All Perils Coverage

The most extensive physical protection for your Acura. This combines collision and comprehensive coverages and offers enhanced security against theft.

Accident Forgiveness Coverage

An extra option that safeguards your driving record and prevents your insurance rate from rising after your first at-fault accident. Particularly beneficial for Acura drivers with a history of accident-free driving.

Depreciation Waiver Coverage

In case of a total loss, this ensures you receive the purchase price of your Acura, offering a substantial financial safeguard.

Rental Vehicle Coverage

Provides a rental vehicle up to a specified limit after an insured loss, ensuring you stay mobile while your Acura is being repaired.

How Acura Car Insurance Rates are Determined


The Acura Model You Drive

Factors like the model's engine size, cost, and safety ratings impact your insurance costs. Different Acura models may have varying insurance costs based on these attributes.


How You Drive

If you drive many kilometers or use your Acura for commuting, you'll generally pay more than someone who uses their vehicle occasionally for errands.


The Area in Which You Live

Your location and the areas where you frequently drive your Acura affect your insurance rates. Typically, larger cities with more traffic have a higher risk of accidents, which could increase rates.


Driver Profile

Factors such as your age, driving history, number of tickets or accidents, and the age when you were first licensed can all influence your insurance rate.


All the Coverages You Choose

The specific coverages you select for your Acura can affect the total cost. It's important to choose what's right for you, and our brokers can help with these decisions.


Discounts You Qualify for

Various discounts may be available. If you qualify, they can lower your final Acura car insurance rate.

Ways You Can Save to Get a Cheap Acura Car Insurance Quote

Bundle Insurance Policies

Combining your Acura car insurance with a home insurance policy may qualify you for a multi-line discount.

Insure Multiple Vehicles

If you own more than one vehicle, including your Acura, insuring all of them with the same company could give you a multi-vehicle discount.

Shop Around

In places like Ontario, it's smart to look at different options for Acura car insurance, whether through agents, brokers, or direct insurance companies. Given the variety of Acura models, some insurers might offer better deals or specialized coverage.

Increase deductibles

Consider your ability to pay for minor damages to your Acura and adjust your insurance deductible. This can potentially reduce your premium costs.

Pay Annually

Save on extra fees by paying for your Acura car insurance annually or in larger installments. Monthly payments often have additional charges.

Install Winter Tires

Using winter tires on your Acura isn't just crucial for safety in colder climates but may also lead to discounts on your car insurance.

Driver’s Training Course

For new or inexperienced Acura drivers, completing an approved driver training course could lead to lower insurance costs.

Consider Renewal Discounts

Many insurance companies offer discounts for renewing policies. When looking for Acura car insurance, consider long-term renewal prices and potential savings.

Acura Auto Insurance by Model

Acura ILX

A compact luxury sedan known for its sleek design, fuel efficiency, and performance. The ILX appeals to those who appreciate a sporty yet elegant driving experience. It offers a comfortable interior and advanced safety features, making it ideal for daily commuting and style-conscious buyers. Acura ILX Insurance Quote.

Acura TLX

A mid-size luxury sedan that combines spaciousness with a sporty feel. The TLX features a luxurious interior, cutting-edge safety technology, and dynamic performance, perfect for both professionals and families seeking a blend of luxury and practicality. Acura TLX Insurance Quote.

Acura RDX

A compact luxury SUV celebrated for its stylish design, spacious interior, and fuel efficiency. The RDX is a great choice for families and individuals alike, offering ample cargo space, top-tier safety features, and a smooth ride for various travel needs. Acura RDX Insurance Quote.

Acura MDX

A versatile luxury SUV, the MDX is ideal for families requiring extra space and comfort. It seats up to seven passengers with advanced safety features and strong performance for longer trips. Acura MDX Insurance Quote.

Acura Car Insurance FAQ

  • Is Acura Insurance High?

    Acura car insurance rates are generally moderate to high, as Acura is a luxury brand. Several factors influence the cost:

    Safety Ratings: Acura models typically have excellent safety ratings, which can help reduce insurance costs.

    Repair Costs: As a luxury brand, Acura vehicles might have higher repair costs compared to more standard vehicles, affecting insurance rates.

    Model and Features: Different Acura models, from sedans to SUVs, have varying insurance costs based on value, size, and specific features.

  • Is Acura MDX Insurance Expensive?

    Insurance for the Acura MDX might be higher due to its classification as a luxury SUV. However, its advanced safety features and Acura’s reputation for reliability can help balance the cost. Specific features that are costly to repair can influence premiums. Factors like the driver’s history and vehicle usage play a role in determining the final rate.

  • What is the Cheapest Acura Model to Insure?

    Typically, the Acura ILX, being a compact luxury sedan, is among the cheaper Acura models to insure. This is due to its lower market value and efficient performance. However, rates also depend on personal factors like driving record and location.

  • Is the Acura RDX Cheap to Insure?

    The insurance cost for the Acura RDX is generally considered moderate to high, but certain factors can lead to higher rates. These include:

    Vehicle Value: As a luxury compact SUV, the RDX is valued higher than standard vehicles, though it is typically less expensive than larger luxury SUVs. This higher value can contribute to higher insurance costs.

    Safety Ratings: While the RDX is equipped with advanced safety features, which can positively impact insurance rates, these benefits may be offset by other factors.

    High Theft Rate: Historically, the RDX, has been among the more frequently stolen vehicles in Canada. This increased theft risk can lead to higher insurance premiums.

    Advanced Electronics: The RDX’s sophisticated electronics and complex components, such as its infotainment and driver-assistance systems, can result in higher repair costs if damaged, influencing insurance rates.

    Driver Profile: The typical RDX driver profile (individuals or small families) can positively influence its risk profile. However, this factor is weighed alongside the model’s overall risk assessment.

  • What is the Best Acura for Ontario Roads?

    In Ontario, Acura models with SH-AWD (Super Handling All-Wheel Drive) are highly recommended for winter conditions. Models to consider include:

    Acura MDX and RDX: Both offer AWD options, providing stability and good handling in snowy conditions.

    Acura TLX: A sedan option with available AWD, suitable for both city and highway driving in winter.

    Equipping these models with quality snow tires further enhances their winter performance.

  • Are Acuras Good Cars?

    Yes, Acuras are considered high-quality vehicles for several reasons:

    Reliability: Acura, as Honda's luxury division, inherits Honda's reputation for reliable vehicles.

    Resale Value: Acuras maintain good resale value due to their quality and brand reputation.

    Fuel Efficiency: While offering luxurious features, many Acura models are also designed with fuel efficiency in mind.

    Safety: Acura vehicles often feature advanced safety technologies and strong build quality.

    Luxury and Comfort:Known for their luxurious interiors and comfortable rides, Acuras cater to drivers seeking both luxury and practicality.

    Performance: Acura vehicles often balance luxury with sporty performance, appealing to a wide range of drivers.


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