Is an Acura TSX expensive to insure?
Generally, no — the Acura TSX tends to be affordably insurable compared with luxury or high-performance vehicles, though actual premiums vary widely by driver, location, and coverage choices.
The Acura TSX, produced from 2004 to 2014, blends Honda reliability with a premium feel. Insurance costs depend on a mix of factors including age, driving history, coverage levels, location, and how the car is used. This article explains what to expect and how to manage those costs.
How insurance pricing works for the TSX
Understanding the major cost drivers helps you anticipate what you might pay when you insure a TSX.
- Driver age and experience — younger drivers and those with less driving history tend to pay higher premiums.
- Location and policy factors — your state, city, and even ZIP code affect rates due to theft risk, accident frequency, and medical costs.
- Coverage levels and deductibles — higher liability limits, collision, comprehensive coverage, and lower deductibles raise the premium.
- Vehicle safety and repair costs — the TSX’s safety ratings, theft risk, and repair costs influence costs; lower theft risk and good crash scores help.
- Credit-based scoring where permitted — some insurers use credit history as part of their rating (and laws vary by state).
- Annual mileage and usage — higher mileage or commercial use can increase risk and price.
In short, premiums respond to a mix of personal, geographic, and policy choices, so two TSX owners can pay notably different amounts.
Typical ranges and what affects them
While it’s impossible to quote a single price, the following describes what many drivers see in the market. Note that rates vary by insurer and state.
For adults 25 and older with clean driving records and standard full-coverage policies, annual premiums often fall in the low-to-mid range for sedans — roughly $1,200 to $2,000 per year in many U.S. markets. Younger drivers or those with tickets or accidents generally pay more; drivers in high-cost states (like certain coastal or urban regions) may see higher premiums still.
Keep in mind that the TSX is not a high-performance or luxury model, which helps keep costs reasonable compared with sports cars or premium luxury brands that share its era, such as the Acura TL or IS series.
Ways to reduce your TSX insurance costs
Lowering the premium on a TSX is usually about managing risk and policy choices. A few strategies often yield savings.
- Shop around and compare quotes from multiple insurers; small differences can add up.
- Opt for higher deductibles on collision and comprehensive coverage to reduce annual premiums.
- Bundle auto insurance with other lines (home, renters) when possible.
- Maintain a clean driving record and consider programs that monitor or reward safe driving.
- Install approved anti-theft devices or telematics devices that track usage and safety.
- Keep annual mileage reasonable and accurately report it; excessive mileage can raise rates.
These steps typically help most TSX owners bring down their costs without sacrificing essential protection.
Is the TSX a good value from an insurance perspective?
Compared with luxury or high-performance models, the TSX generally offers affordable insurance relative to its era and class. It benefits from Honda/Toyota-like reliability, solid safety scores, and lower repair costs than many premium vehicles, which insurers often translate into favorable rates.
Bottom line: for most drivers, insuring an Acura TSX is not exceptionally expensive, especially when you shop around, choose sensible coverage, and use cost-saving strategies.
Summary
The Acura TSX tends to be priced in the mid-range for auto insurance among sedans. Your actual premium depends on your age, location, driving history, chosen coverage, and usage. With prudent shopping and smart policy decisions, owners can keep costs reasonable while maintaining adequate protection.
What year Acura TSX to stay away from?
Years to potentially avoid for the Acura TSX include 2004, 2005, 2006, 2009, 2010, and 2012 due to common issues like transmission problems, AC compressor failures, and higher rates of complaints compared to other years. While other years have had their share of problems, these are the ones most frequently cited as problematic.
Model years to potentially avoid
- 2004-2006: First-generation models with potential issues like AC compressor failure and power steering leaks.
- 2009: A model year with a significant number of recalls and complaints, particularly concerning steering and suspension systems.
- 2010: This year has the highest number of complaints reported, according to some sources, with a high number of recalls.
- 2012: This year is also highlighted as having issues that appear at lower mileages and result in higher repair costs.
Years with fewer reported issues
- 2007: This year is frequently mentioned as one of the best due to its low number of reported complaints.
- 2013-2014: These years are also highly rated for reliability and have fewer reported problems.
Is the Acura TSX expensive to maintain?
The estimated cost to maintain and repair a Acura TSX ranges from $105 to $2767, with an average of $350.
Is insurance higher on an Acura?
Acuras are generally considered more expensive to insure than average, but not as expensive as other luxury brands. The cost is driven up because, as luxury vehicles, they are more expensive to repair and replace. However, Acuras are often priced competitively within the luxury segment, so insurance costs may not be drastically higher than the national average depending on the model and your individual profile.
Factors affecting Acura insurance costs
- Luxury status: Higher repair and replacement costs for luxury vehicles lead to higher insurance premiums.
- Model and year: Insurance costs vary significantly by model and year. Newer and more expensive models will cost more to insure than older ones.
- Individual factors: Your personal driving history, age, gender, location, and credit history also significantly impact your rates.
- Coverage levels: The type of coverage you choose (e.g., minimum vs. full coverage) will directly affect the price.
How to get the best rate
- Compare quotes: Get quotes from multiple insurance providers to find the best rate. What one company offers can be very different from another.
- Consider all factors: Remember that your personal details play a huge role, so you'll need to get a personalized quote for an accurate price.
- Look for discounts: Inquire about potential discounts, such as for multi-vehicle policies, which can lead to significant savings.
How much is insurance on an Acura TSX?
Acura TSX insurance costs an average of $831 for a 6-month full coverage policy. USAA offers the cheapest rate for the latest Acura TSX at $108/mo or $648 for a 6-month full coverage policy.
