Acura RL Insurance Rates

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UPDATED: Apr 6, 2024

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U.S. average auto insurance rates for an Acura RL are $1,136 annually for full coverage insurance. Comprehensive costs an estimated $208, collision insurance costs $296, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $2,446. Teenage drivers pay the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,136

Price estimates broken down by individual coverage:

Comprehensive $208
Collision $296
Liability $474

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different RL trim levels.

Price Range from Low to High

For a driver around age 40, Acura RL insurance prices range from as cheap as $522 for just the minimum liability insurance to a much higher rate of $2,446 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

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

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

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Additional Rate Analysis

The chart below illustrates average Acura RL insurance rates for other coverage scenarios.

  • The best discount rate is $678
  • Using higher $1,000 deductibles will save approximately $114 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,136
  • Using more expensive low deductibles for physical damage coverage will cost $1,356
  • Drivers who are prone to accidents and violations could pay up to $2,446
  • The price with full coverage for a teen driver with full coverage can cost as much as $4,458 or more

View Chart as Image

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

Insurance prices for an Acura RL are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,400 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,300 to $1,900 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $340 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Acura RL insurance prices. A driver around age 40 might see prices as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,530 on average in Florida, New York, and Michigan.

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

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 Buy the Cheapest Acura RL Insurance

Getting lower rates on car insurance requires being safe and accident-free, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a recap of the data that was covered above.

  • It is possible to save approximately $130 per year just by shopping early and online
  • Policyholders who want more liability protection will pay an extra $520 annually to increase from a low limit to higher 250/500 limits
  • Youthful drivers are charged the highest prices, as much as $372 a month including comprehensive and collision insurance
  • Higher risk drivers that have major violations or accidents may pay on average $1,310 more annually 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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