Acura RL Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average auto insurance rates for an Acura RL are $1,178 annually with full coverage. Comprehensive costs around $220 each year, collision insurance costs $326, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs around $2,542. Teens cost the most to insure at up to $4,596 a year.
Average premium for full coverage: $1,178
Policy rates for type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and RL models.
Price Range Variability
Using a 40-year-old driver as an example, Acura RL insurance rates range from as cheap as $522 for just liability insurance to a high rate of $2,542 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details average Acura RL insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $699
- Choosing higher $1,000 deductibles can save about $124 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,178
- Selecting low deductibles for comp and collision coverage will cost $1,418
- Unlucky drivers with serious driving violations could pay at least $2,542
- Policy cost with full coverage for a teen driver can be $4,596 each year
Insurance rates for an Acura RL also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $370 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Acura RL insurance prices. A good driver about age 40 could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,590 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,066 | -$112 | -9.5% |
| Alaska | $902 | -$276 | -23.4% |
| Arizona | $978 | -$200 | -17.0% |
| Arkansas | $1,178 | -$0 | 0.0% |
| California | $1,342 | $164 | 13.9% |
| Colorado | $1,126 | -$52 | -4.4% |
| Connecticut | $1,212 | $34 | 2.9% |
| Delaware | $1,334 | $156 | 13.2% |
| Florida | $1,474 | $296 | 25.1% |
| Georgia | $1,088 | -$90 | -7.6% |
| Hawaii | $846 | -$332 | -28.2% |
| Idaho | $798 | -$380 | -32.3% |
| Illinois | $878 | -$300 | -25.5% |
| Indiana | $886 | -$292 | -24.8% |
| Iowa | $794 | -$384 | -32.6% |
| Kansas | $1,120 | -$58 | -4.9% |
| Kentucky | $1,608 | $430 | 36.5% |
| Louisiana | $1,744 | $566 | 48.0% |
| Maine | $728 | -$450 | -38.2% |
| Maryland | $972 | -$206 | -17.5% |
| Massachusetts | $944 | -$234 | -19.9% |
| Michigan | $2,048 | $870 | 73.9% |
| Minnesota | $986 | -$192 | -16.3% |
| Mississippi | $1,412 | $234 | 19.9% |
| Missouri | $1,046 | -$132 | -11.2% |
| Montana | $1,266 | $88 | 7.5% |
| Nebraska | $930 | -$248 | -21.1% |
| Nevada | $1,414 | $236 | 20.0% |
| New Hampshire | $848 | -$330 | -28.0% |
| New Jersey | $1,318 | $140 | 11.9% |
| New Mexico | $1,044 | -$134 | -11.4% |
| New York | $1,242 | $64 | 5.4% |
| North Carolina | $678 | -$500 | -42.4% |
| North Dakota | $966 | -$212 | -18.0% |
| Ohio | $814 | -$364 | -30.9% |
| Oklahoma | $1,212 | $34 | 2.9% |
| Oregon | $1,080 | -$98 | -8.3% |
| Pennsylvania | $1,126 | -$52 | -4.4% |
| Rhode Island | $1,572 | $394 | 33.4% |
| South Carolina | $1,068 | -$110 | -9.3% |
| South Dakota | $996 | -$182 | -15.4% |
| Tennessee | $1,032 | -$146 | -12.4% |
| Texas | $1,422 | $244 | 20.7% |
| Utah | $872 | -$306 | -26.0% |
| Vermont | $808 | -$370 | -31.4% |
| Virginia | $706 | -$472 | -40.1% |
| Washington | $912 | -$266 | -22.6% |
| West Virginia | $1,080 | -$98 | -8.3% |
| Wisconsin | $816 | -$362 | -30.7% |
| Wyoming | $1,052 | -$126 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,158 | $97 |
| Acura RL 3.7 with Tech Package | $1,178 | $98 |
| Acura RL 3.7 with Tech/CMBS Package | $1,178 | $98 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Acura RL | $236 | $358 | $478 | $1,230 |
| 2011 Acura RL | $220 | $326 | $474 | $1,178 |
| 2010 Acura RL | $208 | $296 | $474 | $1,136 |
| 2005 Acura RL | $172 | $224 | $442 | $996 |
Rates are averaged for all Acura RL models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheap Acura RL Insurance
Finding cheaper rates on car insurance takes having a decent driving record, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the coverage data raised in the charts and tables above.
- You may be able to save up to $140 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $375 each year
- 16 to 18-year-old drivers pay higher rates, as much as $383 each month including comprehensive and collision insurance
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,360 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,596 |
| 20 | $2,696 |
| 30 | $1,212 |
| 40 | $1,178 |
| 50 | $1,078 |
| 60 | $1,056 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,308 |
| $500 | $1,178 |
| $1,000 | $1,054 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,178 |
| 50/100 | $1,273 |
| 100/300 | $1,391 |
| 250/500 | $1,699 |
| 100 CSL | $1,320 |
| 300 CSL | $1,581 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,512 |
| 20 | $4,302 |
| 30 | $2,576 |
| 40 | $2,542 |
| 50 | $2,430 |
| 60 | $2,404 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $82 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
