Acura RL Insurance Rates

The average auto insurance rates for an Acura RL are $1,136 annually for full coverage. Comprehensive costs on average $208, collision costs $296, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,446. Teens cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,136

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all RL models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how geographic area affects car insurance rates.

The examples above show why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Acura RL insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $678
• Using higher $1,000 deductibles will save around $114 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,136
• Selecting pricier low deductibles for physical damage coverage will cost $1,356
• High-risk insureds with serious driving violations could pay upwards of $2,446 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage may cost $4,458 or more

View Chart as Image

Insurance rates for an Acura RL also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 a year, 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 upwards of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,300 to $1,900 extra every year, depending on your age. Acura RL insurance for high-risk drivers can be from 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $340 annually, whereas buying more liability protection will cost you more. Going 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 has a huge impact on Acura RL insurance prices. A driver around age 40 might see rates as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,620 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so the rates will be varied between companies.

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 Buy Affordable Acura RL Insurance

Finding cheaper rates on insurance for an Acura RL requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a brief review of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,310 more each year to buy Acura RL insurance
• Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Insureds who require increased levels of liability coverage will pay approximately $520 each year to increase from a 30/60 limit to higher 250/500 limits