Acura RL Insurance Rates

Estimated insurance rates for an Acura RL are $1,136 a year with full coverage. Comprehensive costs an estimated $208, collision costs $296, and liability costs around $474. A policy with only liability insurance costs as low as $522 a year, with a high-risk policy costing around $2,446. Teenage drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,136

Premium estimates broken down by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different RL trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details estimated Acura RL insurance rates for other coverage scenarios.

• The best discount rate is $678
• Using higher $1,000 deductibles will save approximately $114 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,136
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,356
• High-risk insureds who are prone to accidents and violations could pay up to $2,446 or more
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $4,458 or more

View Chart as Image

Car insurance prices for an Acura RL also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Acura RL insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,530 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $340 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Acura RL Insurance

Finding better rates on insurance for an Acura RL requires avoiding accidents and violations, having above-average credit, being claim-free, and not having any coverage lapses. Take the time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the concepts that were covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,310 more annually for car insurance
• Teenagers have the highest car insurance prices, possibly costing $372 per month if full coverage is included
• You may be able to save approximately $130 per year simply by shopping early and online
• Increasing policy deductibles can save around $325 each year
• You may be able to save approximately $130 per year simply by shopping early and online