Acura RL Insurance Rates

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UPDATED: Apr 6, 2024

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Average insurance rates for an Acura RL are $1,136 a year with full coverage. Comprehensive insurance costs an estimated $208 a year, collision insurance costs $296, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,446 or more. 16-year-old drivers receive the highest rates at up to $4,458 a year.

Average premium for full coverage: $1,136

Rate estimates broken down by individual coverage type:

Comprehensive $208
Collision $296
Liability $474

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and RL trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the low end price of $522 for just the minimum liability insurance to a high of $2,446 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,136
High Risk $2,446

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $852
Small Cities $1,193
Large Cities $1,534

These examples demonstrate why it is important to compare rates for a targeted area, rather than relying on rate averages.

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

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Additional Rate Analysis

The chart below details average 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 $1,022 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,136
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $220 a year
  • High risk drivers with multiple tickets or accidents could pay up to $2,446
  • The cost that insures a teen driver can cost as much as $4,458 a year

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing Acura RL insurance prices range from $678 to $4,458 for full coverage

Auto insurance rates for an Acura RL can also vary considerably based on the trim level of your RL, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,300 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $4,400 a year. View Rates by Age

Where you live 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 at least $1,530 on average in New York, Michigan, and Florida.

Acura RL Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,028 -$108 -9.5%
Alaska $870 -$266 -23.4%
Arizona $942 -$194 -17.1%
Arkansas $1,136 -$0 0.0%
California $1,294 $158 13.9%
Colorado $1,086 -$50 -4.4%
Connecticut $1,166 $30 2.6%
Delaware $1,286 $150 13.2%
Florida $1,420 $284 25.0%
Georgia $1,048 -$88 -7.7%
Hawaii $814 -$322 -28.3%
Idaho $766 -$370 -32.6%
Illinois $846 -$290 -25.5%
Indiana $854 -$282 -24.8%
Iowa $766 -$370 -32.6%
Kansas $1,080 -$56 -4.9%
Kentucky $1,548 $412 36.3%
Louisiana $1,680 $544 47.9%
Maine $700 -$436 -38.4%
Maryland $934 -$202 -17.8%
Massachusetts $910 -$226 -19.9%
Michigan $1,974 $838 73.8%
Minnesota $950 -$186 -16.4%
Mississippi $1,360 $224 19.7%
Missouri $1,008 -$128 -11.3%
Montana $1,218 $82 7.2%
Nebraska $896 -$240 -21.1%
Nevada $1,362 $226 19.9%
New Hampshire $818 -$318 -28.0%
New Jersey $1,270 $134 11.8%
New Mexico $1,006 -$130 -11.4%
New York $1,196 $60 5.3%
North Carolina $654 -$482 -42.4%
North Dakota $930 -$206 -18.1%
Ohio $782 -$354 -31.2%
Oklahoma $1,166 $30 2.6%
Oregon $1,040 -$96 -8.5%
Pennsylvania $1,084 -$52 -4.6%
Rhode Island $1,514 $378 33.3%
South Carolina $1,028 -$108 -9.5%
South Dakota $958 -$178 -15.7%
Tennessee $996 -$140 -12.3%
Texas $1,370 $234 20.6%
Utah $842 -$294 -25.9%
Vermont $778 -$358 -31.5%
Virginia $680 -$456 -40.1%
Washington $878 -$258 -22.7%
West Virginia $1,040 -$96 -8.5%
Wisconsin $788 -$348 -30.6%
Wyoming $1,012 -$124 -10.9%

View Chart as Image

Acura RL insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $340 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Acura RL Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura RL 3.7 $1,116 $93
Acura RL 3.7 with Tech Package $1,136 $95
Acura RL 3.7 with Tech/CMBS Package $1,136 $95

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.

Acura RL Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Acura RL $220 $326 $474 $1,178
2011 Acura RL $208 $296 $474 $1,136
2010 Acura RL $200 $266 $468 $1,092

Rates are averaged for all Acura RL models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Acura RL Insurance

Saving money on Acura RL insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief review of the ideas that were touched on in this article.

  • Drivers under the age of 20 are the costliest to insure, with premiums as much as $372 per month if the policy includes full coverage
  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,310 more annually to insure an Acura RL
  • Increasing deductibles can save approximately $325 each year
  • You may be able to save approximately $130 per year just by quoting early and online

Rates by Driver Age

Acura RL Insurance Rates by Driver Age
Driver Age Premium
16 $4,458
20 $2,594
30 $1,164
40 $1,136
50 $1,040
60 $1,018

Full coverage, $500 deductibles

Rates by Deductible

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,356
$250 $1,254
$500 $1,136
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,136
50/100 $1,231
100/300 $1,349
250/500 $1,657
100 CSL $1,278
300 CSL $1,539
500 CSL $1,729

Full coverage, driver age 40

Rates for High Risk Drivers

Acura RL Insurance Rates for High Risk Drivers
Age Premium
16 $6,306
20 $4,140
30 $2,474
40 $2,446
50 $2,338
60 $2,314

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $154

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $73
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $78
Total Discounts $458
Rate after discounts $678

Discounts are estimated and may not be available from every company or in every state.

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