Acura RL Insurance Rates

The average auto insurance rates for an Acura RL are $1,136 annually for full coverage. Comprehensive costs an estimated $208, collision costs $296, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,446. 16-year-old drivers cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,136

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all RL models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than congested cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below shows estimated Acura RL insurance rates for other coverage scenarios.

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay approximately $114 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,136
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,356
• Drivers with multiple tickets or accidents could pay up to $2,446 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,458 a year

View Chart as Image

Car insurance rates for an Acura RL also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,300 to $1,900 extra every year, depending on your age. Acura RL insurance for high-risk drivers can cost from 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $340 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Acura RL insurance prices. A 40-year-old driver could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or at least $1,620 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, so rate quotes will be varied 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 Affordable Acura RL Insurance

Finding cheaper rates on insurance for an Acura RL not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the material that was covered above.

• Insureds who want additional liability coverage will pay around $520 each year to go from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $372 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,310 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $325 each year