Acura RL Insurance Rates

The average insurance rates for an Acura RL are $1,136 a year for full coverage. Comprehensive insurance costs on average $208, collision costs $296, and liability coverage costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,446 or more. 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:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all RL models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on car insurance rates.

The examples above show why everyone should compare rates based on a specific location and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $678
• Drivers who choose higher $1,000 deductibles will pay around $114 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,136
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $220 each year
• High-risk insureds with serious driving violations could pay upwards of $2,446 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $4,458 a year

View Chart as Image

Car insurance rates for an Acura RL also range considerably based on your risk profile, the trim level of your RL, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,400 a year. View Rates by Age

Your home state makes a big difference in Acura RL insurance rates. A 40-year-old driver could pay 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

Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause 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 cost around 43% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Every company calculates rates differently, so rate quotes will be varied 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 the Cheapest Acura RL Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The list below is a recap of the data that was covered in the above illustrations.

• Drivers can save as much as $130 per year simply by quoting online well ahead of the renewal date
• Consumers who require higher liability limits will pay approximately $520 each year to go from a 30/60 limit to 250/500 limits
• Teenagers are expensive to insure, costing up to $372 each month if full coverage is included
• Drivers that have major violations or accidents will pay on average $1,310 more each year for car insurance