Acura RL Insurance Rates

Average insurance rates for an Acura RL are $1,136 a year including full coverage. Comprehensive costs approximately $208, collision costs $296, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,446. Teens receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,136

Rate estimates by individual coverage type:

Estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different RL trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $678
• Raising to $1,000 deductibles will save $114 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,136
• Selecting more expensive low deductibles will increase the cost to $1,356
• Drivers with serious driving violations could pay around $2,446 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost $4,458

View Chart as Image

Auto insurance rates for an Acura RL can also vary considerably based on your driver profile, the model of your RL, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,400 a year. View Rates by Age

Where you live also has a big influence on Acura RL insurance prices. A middle-age driver might find rates as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,620 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,300 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 128% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates can be significantly different from one company to the next.

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 Low Cost Acura RL Insurance

Saving money on insurance for an Acura RL consists of having a good driving record, having good credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The next list is a review of the material that was presented in the illustrations above.

• Insureds who purchase increased levels of liability coverage will pay approximately $520 per year to raise from a minimum limit to 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, as much as $372 per month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,310 more per year to buy Acura RL insurance
• Increasing deductibles can save around $325 each year