Expensive Auto Insurance For 2007 Mdx: Why?

The Acura MDX is a relatively expensive car to insure, with average insurance rates being between $1,408 and $1,548 per year for standard coverage. The cost of insurance varies depending on factors such as location, driving record, driver age, and the specific model year of the car. For example, a 16-year-old driver of a 2022 model faces an average full coverage cost of $6,297 annually, while a 40-year-old driver of a 2009 model pays around $1,244 per year.

Safety features

The 2007 Acura MDX is a midsize luxury SUV that comes equipped with a host of safety features. Here is a detailed overview of the safety features offered by the 2007 Acura MDX:

Airbags and Seatbelts:

The MDX is equipped with front-impact airbags designed to protect the driver and front passenger's head in a frontal crash. It also features side-impact airbags for the front seats, which protect the torso in a side-impact collision. Additionally, the vehicle has overhead airbags to safeguard occupants' heads in a side collision or rollover. The seatbelt pretensioners automatically tighten during a collision, ensuring that occupants are in the optimal seating position.

Braking System:

The MDX is equipped with an advanced Anti-lock Braking System (ABS). The ABS automatically senses when a tire has stopped rotating under extreme braking and modulates the brake pressure, allowing the tire to rotate and improving the vehicle's ability to turn while braking.

Stability Control:

The stability control system in the MDX plays a crucial role in maintaining vehicle control. It senses when the vehicle's handling limits have been exceeded and responds by reducing engine power and/or applying selective brakes to prevent the driver from losing control.

Head Restraints:

The MDX features active front head restraints designed to cradle occupants' heads in the event of a rear collision, reducing the likelihood of whiplash injuries.

Vehicle Security:

The MDX is equipped with an ignition disable device, which is a security feature that prevents the engine from starting if the correct original manufacturer key is not used. This helps deter unauthorized use or theft of the vehicle.

Other Safety Features:

The 2007 Acura MDX also boasts standard safety equipment, including active front head restraints, stability control with a stabilizing feature for trailering, a tire-pressure monitoring system, and brake assist. Additionally, the vehicle's structure and design contribute to its overall safety, with features like a sturdy frame and advanced crumple zones designed to absorb impact energy in a collision.

The comprehensive suite of safety features in the 2007 Acura MDX not only provides peace of mind but also contributes to a lower risk profile, which can positively impact insurance costs. While insurance rates are influenced by various factors, the safety features of the MDX can be a contributing factor in determining premiums.

Crash test ratings

The National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS) are two organisations that conduct crash tests and rate vehicles accordingly. The NHTSA employs a five-star rating system, with five stars denoting the most protection and one star indicating the least. On the other hand, the IIHS uses ratings such as good, acceptable, marginal, or poor, based on the vehicle's performance in high-speed front and side crash tests, as well as evaluations of head restraints and seats for protection against neck injuries in rear impacts.

The 2007 Acura MDX has undergone both NHTSA and IIHS crash tests, and while specific star ratings were not found, the vehicle's structure and safety cage were assessed in both tests. The IIHS also evaluated the 2007 MDX's driver injury measures, driver restraints, dummy kinematics, and rear passenger injury measures.

The IIHS rated the 2007 Acura RDX, which is a similar vehicle to the MDX, as "Good" in the moderate overlap front, side, and rear tests. This indicates that the vehicle offers good protection in these areas.

Overall, while specific star ratings for the 2007 Acura MDX were not found, the assessments of its structure, safety cage, and injury prevention measures suggest that it provides a reasonable level of protection in the event of a crash. However, it is important to note that crash test ratings are just one aspect of a vehicle's safety, and other factors such as advanced driver assistance systems, vehicle size, and weight can also play a significant role in overall safety.

Repair costs

The Acura MDX is a relatively cheap car to repair and doesn't cost more than a Honda. The average repair cost for a 2007 Acura MDX is between $380 and $464. The annual maintenance cost of a 2007 Acura MDX is $422. The Acura MDX Reliability Rating is 4.0 out of 5.0, which ranks it 2nd out of 14 for luxury midsize SUVs. The average annual repair cost is $571 which means it has average ownership costs. The severity of repairs is low while the frequency of those issues is average, so major issues are uncommon for the MDX.

The Acura MDX will cost about $10,160 for maintenance and repairs during its first 10 years of service. This is more than the industry average for luxury SUV models by $4,547. There is also a 28.65% chance that an MDX will require a major repair during that time. This is 24.57% worse than similar vehicles in this segment.

Acura service mechanics receive periodic factory training on the latest techniques necessary to keep your Acura investment running properly. They include the Honda Service Technical College (HSTC) and Honda Professional Automotive Career Training (PACT), which trains Acura and Honda dealership mechanics and technicians to become better equipped with knowledge for an effective repair of your Acura vehicle.

If you purchased Acura Plus and the repair is covered, and the actual repair time is over 5 hours you may be entitled to a Car Rental under the Acura Plus Car Rental provisions. If you are a regular customer of an individual dealer, some may offer loaner cars for repairs taking more than two hours.

Vehicle size

The Acura MDX is a mid-size luxury crossover SUV with three-row seating. It is produced by the Japanese automaker Honda under its luxury Acura division. The vehicle is designed to hold seven passengers, but the third-row seats are small and can only accommodate two people. The MDX is powered by a 3.5-liter V6 engine and has a curb weight of 4,451 pounds. It has a wheelbase of 106.3 inches and ground clearance of eight inches.

The size of the MDX can be a factor in the cost of insurance. Larger vehicles are generally considered safer, as they can take more damage in an accident compared to smaller cars. This can result in lower insurance premiums for MDX owners. Additionally, the MDX has an advanced safety feature called the "Super Handling All-Wheel Drive" (SH-AWD) system, which improves the vehicle's handling and stability. This system is one of the most advanced in its class and can help reduce the risk of accidents, potentially leading to lower insurance costs.

However, the MDX's size may also contribute to higher insurance rates in certain situations. Larger vehicles tend to have higher repair costs compared to smaller cars, as they require more parts and labour during maintenance or repairs. This can increase the overall cost of ownership and insurance premiums. Additionally, the MDX's engine upgrade to a 3.7-liter V6 with 300 horsepower can also impact insurance rates. More powerful engines can lead to higher speeds and an increased risk of accidents, which insurance companies may factor into their calculations when determining premiums.

Age of the driver

Age is a significant factor in determining insurance rates for an Acura MDX. Younger and less experienced drivers are considered riskier to insure and, therefore, tend to have higher insurance premiums.

For instance, a 16-year-old driver of an Acura MDX faces an average full-coverage cost of $6,297 annually, while a 40-year-old motorist may pay around $1,374 per year. The rates decrease considerably as young drivers age and eventually plateau in their 20s.

The difference in insurance premiums between genders also narrows with age. While a 16-year-old male costs 15% more to insure than a female of the same age, at 50, males only pay $8 more on average per year than females.

Insurance rates for Acura MDX also vary by state. For example, Florida has one of the most expensive rates, while Idaho has the most budget-friendly prices.

Frequently asked questions