Acura RL Insurance Rates
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UPDATED: Apr 6, 2024
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Average insurance rates for an Acura RL are $1,230 a year including full coverage. Comprehensive costs around $236 each year, collision insurance costs $358, and liability is $478. Liability-only coverage costs around $526 a year, and high-risk coverage costs around $2,652. Teens receive the highest rates at up to $4,760 a year.
Average premium for full coverage: $1,230
Rate estimates for individual coverage type:
Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and RL models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $526 for basic liability insurance to a high rate of $2,652 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on 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 breaks down average Acura RL insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $726
- Raising to $1,000 deductibles will save about $136 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,230
- Selecting low deductibles bumps up the cost to $1,488
- Drivers with serious driving violations could pay at least $2,652
- The cost that insures a 16-year-old driver can be $4,760
Car insurance rates for an Acura RL can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 136% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age
Where you live also has a big influence on Acura RL insurance prices. A middle-age driver might find rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,750 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,112 | -$118 | -9.6% |
| Alaska | $944 | -$286 | -23.3% |
| Arizona | $1,020 | -$210 | -17.1% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,402 | $172 | 14.0% |
| Colorado | $1,176 | -$54 | -4.4% |
| Connecticut | $1,262 | $32 | 2.6% |
| Delaware | $1,392 | $162 | 13.2% |
| Florida | $1,538 | $308 | 25.0% |
| Georgia | $1,134 | -$96 | -7.8% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $916 | -$314 | -25.5% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $830 | -$400 | -32.5% |
| Kansas | $1,170 | -$60 | -4.9% |
| Kentucky | $1,678 | $448 | 36.4% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $758 | -$472 | -38.4% |
| Maryland | $1,012 | -$218 | -17.7% |
| Massachusetts | $984 | -$246 | -20.0% |
| Michigan | $2,136 | $906 | 73.7% |
| Minnesota | $1,028 | -$202 | -16.4% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,092 | -$138 | -11.2% |
| Montana | $1,322 | $92 | 7.5% |
| Nebraska | $970 | -$260 | -21.1% |
| Nevada | $1,474 | $244 | 19.8% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,376 | $146 | 11.9% |
| New Mexico | $1,088 | -$142 | -11.5% |
| New York | $1,294 | $64 | 5.2% |
| North Carolina | $708 | -$522 | -42.4% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $850 | -$380 | -30.9% |
| Oklahoma | $1,262 | $32 | 2.6% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,174 | -$56 | -4.6% |
| Rhode Island | $1,640 | $410 | 33.3% |
| South Carolina | $1,114 | -$116 | -9.4% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,076 | -$154 | -12.5% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $910 | -$320 | -26.0% |
| Vermont | $842 | -$388 | -31.5% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $950 | -$280 | -22.8% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $852 | -$378 | -30.7% |
| Wyoming | $1,096 | -$134 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $400 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,206 | $101 |
| Acura RL 3.7 with Tech Package | $1,230 | $103 |
| Acura RL 3.7 with Tech/CMBS Package | $1,230 | $103 |
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 | $242 | $394 | $474 | $1,268 |
| 2011 Acura RL | $236 | $358 | $478 | $1,230 |
| 2010 Acura RL | $220 | $326 | $474 | $1,178 |
| 2005 Acura RL | $178 | $236 | $446 | $1,018 |
| 2004 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 Find Cheaper Acura RL Insurance
Saving money on insurance for an Acura RL consists of being a low-risk driver, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a condensed summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $140 per year just by quoting online in advance
- Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,420 more every year to insure their RL
- Increasing deductibles can save approximately $400 each year
- Teen drivers are the costliest to insure, as much as $397 per month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,760 |
| 20 | $2,812 |
| 30 | $1,266 |
| 40 | $1,230 |
| 50 | $1,126 |
| 60 | $1,102 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,368 |
| $500 | $1,230 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,326 |
| 100/300 | $1,445 |
| 250/500 | $1,756 |
| 100 CSL | $1,373 |
| 300 CSL | $1,636 |
| 500 CSL | $1,828 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,752 |
| 20 | $4,486 |
| 30 | $2,692 |
| 40 | $2,652 |
| 50 | $2,532 |
| 60 | $2,508 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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