Acura RL Insurance Rates

U.S. average insurance rates for an Acura RL are $1,136 a year for full coverage insurance. Comprehensive costs approximately $208 a year, collision costs $296, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,446. Teenage drivers pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,136

Price estimates by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and RL trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The ranges above illustrate why it is important to compare prices using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $678
• Using higher $1,000 deductibles will save $1,022 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,136
• Using low $100 deductibles for physical damage coverage bumps up the cost to $1,356
• High-risk insureds who are prone to accidents and violations could pay around $2,446 or more
• The price that insures a 16-year-old driver can cost $4,458 or more

View Chart as Image

Insurance prices for an Acura RL are also quite variable based on the trim level of your RL, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

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.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $340 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 Find Cheap Acura RL Insurance

Getting lower rates on insurance for an Acura RL requires avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by getting quotes from direct insurance companies, and also from your local car insurance providers.

The points below are a brief summary of the material that was touched on in this article.

• Insureds who purchase increased liability limits will pay an extra $520 annually to increase from a low limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, as much as $372 a month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,310 more per year to insure an Acura RL
• Increasing physical damage deductibles can save approximately $325 each year