Acura RL Insurance Rates

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

Average premium for full coverage: $1,136

Policy rates by type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and RL models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $678
• Drivers who choose higher $1,000 deductibles will pay $114 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,136
• Using low deductibles for comprehensive and collision insurance will cost an extra $220 a year
• High risk drivers who are prone to accidents and violations could pay around $2,446 or more
• Policy cost for full coverage for a teen driver can cost $4,458 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

Your home state makes a big difference in Acura RL insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,530 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $340 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied 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

Finding cheaper rates on Acura RL insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a review of the information touched on above.

• You may be able to save around $130 per year simply by quoting online in advance
• Drivers under the age of 20 are the costliest to insure, as much as $372 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $325 each year
• High-risk drivers who have several accidents or serious violations pay on average $1,310 more per year to insure an Acura RL
• Drivers who purchase increased liability limits will pay an extra $520 every year to go from a 30/60 limit to 250/500 limits