Acura RL Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 6, 2024
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U.S. average insurance rates for an Acura RL are $1,136 a year with full coverage. Comprehensive insurance costs around $208, collision insurance costs $296, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,446 or more. Teens pay the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,136
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all RL models.
Price Range from Low to High
Using a middle-aged driver as an example, Acura RL insurance prices range from as low as $522 for basic liability insurance to the much higher price of $2,446 for a policy for a high-risk driver.
Geographic Price Range
Your location has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why everyone should compare rates for a specific zip code and risk profile, rather than 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.
Rate Comparisons
The chart below details average Acura RL insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $678
- Drivers who choose higher $1,000 deductibles will pay about $114 annually
- The average rate for the average middle-age driver using $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 at least $2,446
- The price for full coverage for a teenage driver for full coverage can be $4,458 a year
Car insurance prices for an Acura RL are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,400 a year. View Rates by Age
The state you live in makes a big difference in Acura RL insurance rates. A 40-year-old driver could pay as low as $820 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,530 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,028 | -$108 | -9.5% |
| Alaska | $870 | -$266 | -23.4% |
| Arizona | $942 | -$194 | -17.1% |
| Arkansas | $1,136 | -$0 | 0.0% |
| California | $1,294 | $158 | 13.9% |
| Colorado | $1,086 | -$50 | -4.4% |
| Connecticut | $1,166 | $30 | 2.6% |
| Delaware | $1,286 | $150 | 13.2% |
| Florida | $1,420 | $284 | 25.0% |
| Georgia | $1,048 | -$88 | -7.7% |
| Hawaii | $814 | -$322 | -28.3% |
| Idaho | $766 | -$370 | -32.6% |
| Illinois | $846 | -$290 | -25.5% |
| Indiana | $854 | -$282 | -24.8% |
| Iowa | $766 | -$370 | -32.6% |
| Kansas | $1,080 | -$56 | -4.9% |
| Kentucky | $1,548 | $412 | 36.3% |
| Louisiana | $1,680 | $544 | 47.9% |
| Maine | $700 | -$436 | -38.4% |
| Maryland | $934 | -$202 | -17.8% |
| Massachusetts | $910 | -$226 | -19.9% |
| Michigan | $1,974 | $838 | 73.8% |
| Minnesota | $950 | -$186 | -16.4% |
| Mississippi | $1,360 | $224 | 19.7% |
| Missouri | $1,008 | -$128 | -11.3% |
| Montana | $1,218 | $82 | 7.2% |
| Nebraska | $896 | -$240 | -21.1% |
| Nevada | $1,362 | $226 | 19.9% |
| New Hampshire | $818 | -$318 | -28.0% |
| New Jersey | $1,270 | $134 | 11.8% |
| New Mexico | $1,006 | -$130 | -11.4% |
| New York | $1,196 | $60 | 5.3% |
| North Carolina | $654 | -$482 | -42.4% |
| North Dakota | $930 | -$206 | -18.1% |
| Ohio | $782 | -$354 | -31.2% |
| Oklahoma | $1,166 | $30 | 2.6% |
| Oregon | $1,040 | -$96 | -8.5% |
| Pennsylvania | $1,084 | -$52 | -4.6% |
| Rhode Island | $1,514 | $378 | 33.3% |
| South Carolina | $1,028 | -$108 | -9.5% |
| South Dakota | $958 | -$178 | -15.7% |
| Tennessee | $996 | -$140 | -12.3% |
| Texas | $1,370 | $234 | 20.6% |
| Utah | $842 | -$294 | -25.9% |
| Vermont | $778 | -$358 | -31.5% |
| Virginia | $680 | -$456 | -40.1% |
| Washington | $878 | -$258 | -22.7% |
| West Virginia | $1,040 | -$96 | -8.5% |
| Wisconsin | $788 | -$348 | -30.6% |
| Wyoming | $1,012 | -$124 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,300 to $1,900 extra each 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
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,116 | $93 |
| Acura RL 3.7 with Tech Package | $1,136 | $95 |
| Acura RL 3.7 with Tech/CMBS Package | $1,136 | $95 |
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 | $220 | $326 | $474 | $1,178 |
| 2011 Acura RL | $208 | $296 | $474 | $1,136 |
| 2010 Acura RL | $200 | $266 | $468 | $1,092 |
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 Find Cheaper Acura RL Insurance
Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every year by getting rate quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below you'll find a condensed summary of the coverage data touched on in the above illustrations.
- You may be able to save up to $130 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $325 each year
- Youthful drivers are the costliest to insure, costing up to $372 a month if full coverage is included
- Drivers with multiple at-fault accidents pay an average of $1,310 more every year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,458 |
| 20 | $2,594 |
| 30 | $1,164 |
| 40 | $1,136 |
| 50 | $1,040 |
| 60 | $1,018 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,356 |
| $250 | $1,254 |
| $500 | $1,136 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,136 |
| 50/100 | $1,231 |
| 100/300 | $1,349 |
| 250/500 | $1,657 |
| 100 CSL | $1,278 |
| 300 CSL | $1,539 |
| 500 CSL | $1,729 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,306 |
| 20 | $4,140 |
| 30 | $2,474 |
| 40 | $2,446 |
| 50 | $2,338 |
| 60 | $2,314 |
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 | $59 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $458 |
Discounts are estimated and may not be available from every company or in every state.
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