Acura RL Insurance Rates
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Michelle Robbins
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UPDATED: Apr 6, 2024
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Estimated insurance rates for an Acura RL are $1,136 a year including full coverage. Comprehensive insurance costs approximately $208 a year, collision insurance costs $296, and liability insurance costs $474. A policy with only liability insurance costs as little as $522 a year, and a high-risk policy costs $2,446 or more. Teen drivers pay the most at up to $4,458 a year.
Average premium for full coverage: $1,136
Premium estimates by type of coverage:
Prices include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and RL trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for an Acura RL range from the low end price of $522 for basic liability insurance to a high of $2,446 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.
These rate differences highlight why it is important to compare rates using their specific location, rather than relying on price 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.
Rate Comparisons
The chart below breaks down average Acura RL insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $678
- Drivers who choose higher $1,000 deductibles will pay $1,022 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,136
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $220 a year
- High risk drivers with multiple violations and an at-fault accident could pay around $2,446
- An auto insurance policy that insures a teen driver can cost $4,458 a year
Car insurance prices for an Acura RL also have a wide range based on the trim level of your RL, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,300 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 128% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,400 a year. View Rates by Age
Where you choose to live makes a big difference in Acura RL insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,620 on average in Louisiana, New York, and Michigan.
| 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 high deductibles could save up to $340 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 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 | $1,116 | $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 Right Acura RL Insurance
Finding better rates on Acura RL insurance not only requires not taking risks behind the wheel, but also having a positive credit history, refrain from filing small claims, and attention to physical damage deductibles. Shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
The following is a quick rundown of the information touched on in this article.
- You may be able to save around $130 per year just by quoting early and online
- Teens pay the highest auto insurance prices, with the cost nearing $372 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $325 each year
- High-risk drivers with reckless driving or DUI convictions will likely pay on average $1,310 more per year for RL insurance
- Drivers who purchase higher liability limits will pay about $520 per year to go from 30/60 bodily injury limits to the 250/500 level
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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