Acura RL Insurance Rates

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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:

Comprehensive $208
Collision $296
Liability $474

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.

Liability Only $522
Full Coverage $1,136
High Risk $2,446

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.

Rural Areas $852
Small Cities $1,193
Large Cities $1,534

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.

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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

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing Acura RL insurance prices range from $678 to $4,458 for full coverage

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.

Acura RL Insurance Rates by State
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%

View Chart as Image

Acura RL insurance rates by U.S. city

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

Acura RL Insurance Rates by Model and Trim Level
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.

Acura RL Insurance Rates by Model Year
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

Rates by Driver Age

Acura RL Insurance 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

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,356
$250 $1,254
$500 $1,136
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
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

Acura RL Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $678

Discounts are estimated and may not be available from every company or in every state.

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