Acura RL Insurance Rates

Average auto insurance rates for an Acura RL are $1,178 annually for full coverage insurance. Comprehensive insurance costs approximately $220 each year, collision costs $326, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,542 or more. Teenage drivers receive the highest rates at $4,596 a year or more.

Average premium for full coverage: $1,178

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and RL models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

These examples illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates estimated Acura RL insurance rates for additional coverage and risk scenarios.

• The best discount rate is $699
• Raising to $1,000 deductibles will save $124 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,178
• Using low deductibles costs an additional $240 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,542 or more
• The cost with full coverage for a teenage driver can cost $4,596

View Chart as Image

Insurance rates for an Acura RL can also vary considerably based on the trim level of your RL, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $370 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Acura RL insurance rates. A middle-age driver might find rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,590 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy More Affordable Acura RL Insurance

Saving money on auto insurance consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at least every other year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below you'll find a summary of the car insurance concepts touched on above.

• Drivers who have multiple accidents or major violations could be forced to pay on average $1,360 more per year than a low-risk driver
• It is possible to save around $140 per year simply by quoting online in advance
• Increasing deductibles could save up to $375 each year
• Consumers who purchase more liability protection will pay an extra $520 annually to raise from a minimum limit to higher 250/500 limits