Acura RL Insurance Rates

Estimated insurance rates for an Acura RL are $1,136 a year for full coverage insurance. Comprehensive insurance costs around $208 a year, collision insurance costs $296, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,446 or more. Teens pay the most at up to $4,458 a year.

Average premium for full coverage: $1,136

Premium estimates for type of coverage:

Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and RL trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below illustrates average Acura RL insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $678
• Drivers who choose higher $1,000 deductibles will pay about $1,022 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,136
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $220 every year
• Higher-risk drivers with serious driving violations could pay at least $2,446
• An auto insurance policy for full coverage for a teen driver can be $4,458 a year

View Chart as Image

Insurance prices for an Acura RL also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

Where you choose to live makes a big difference in Acura RL insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,530 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 every year, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,300 to $1,900 additional annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 128% more than the average policy. View High Risk Driver Rates

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 the Cheapest Acura RL Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a recap of the information covered in the charts and tables above.

• It is possible to save up to $130 per year just by quoting early and online
• Teenage drivers are charged the highest prices, with premiums being up to $372 per month including comprehensive and collision insurance
• Increasing policy deductibles can save around $325 each year
• Higher risk drivers that have major violations or accidents may pay on average $1,310 more every year for auto insurance
• Policyholders who may need higher levels of liability will pay approximately $520 annually to go from 30/60 bodily injury limits to 250/500 limits