Acura RL Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average insurance rates for an Acura RL are $1,136 a year for full coverage. Comprehensive costs on average $208, collision insurance costs $296, and liability is estimated at $474. A policy with just liability insurance costs approximately $522 a year, and coverage for high-risk drivers costs around $2,446. 16-year-old drivers receive the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,136
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all RL models.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $522 for liability-only coverage to the much higher price of $2,446 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities. The example below illustrates how location impacts car insurance rates.
These examples show why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on rate averages.
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.
Additional Charts and Tables
The chart below shows average Acura RL insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $678
- Choosing higher $1,000 deductibles can save around $114 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,136
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,356
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,446
- The cost for full coverage for a 16-year-old driver for full coverage may cost $4,458 each year
Insurance rates for an Acura RL can also vary considerably based on your driver profile, the trim level of your RL, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age
Where you live plays a big part in determining prices for Acura RL insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or at least $1,620 on average in Michigan, Louisiana, 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% |
Opting for high physical damage deductibles can save as much as $340 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 additional per year, depending on your age. Acura RL insurance for high-risk drivers ranges from 43% to 128% more than the average rate. 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 the Best Cheap Acura RL Insurance
Saving money on insurance for an Acura RL takes being safe and accident-free, having a good credit history, eliminating unneeded coverage, and dropping full coverage on older vehicles. Spend time shopping around at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Below you'll find a quick review of the car insurance concepts touched on above.
- Drivers considered higher risk with a DUI or reckless driving violation will pay on average $1,310 more each year than a low-risk driver
- Drivers can save as much as $130 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $325 each year
- Insureds who require more liability protection will pay around $520 each year to raise limits from a minimum limit to 250/500 limits
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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