Acura RL Insurance Rates

The average insurance rates for an Acura RL are $1,136 a year including full coverage. Comprehensive costs an estimated $208, collision costs $296, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage 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:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all RL models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and risk profile, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $678
• Raising to $1,000 deductibles will save approximately $114 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,136
• Buying pricier low deductibles will increase the cost to $1,356
• At-risk drivers with multiple tickets or accidents could pay up to $2,446 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $4,458

View Chart as Image

Insurance rates for an Acura RL also range considerably based on your risk profile, the model of your RL, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,400 a year. View Rates by Age

Your home state 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 at least $1,620 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $340 every year, whereas buying more liability protection will increase premiums. Changing 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 are likely paying $1,300 to $1,900 additional every year, depending on your age. Acura RL insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, 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 the Best Acura RL Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers who tend to receive serious violations may pay on average $1,310 more annually to insure their RL
• You may be able to save approximately $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $325 each year
• Policyholders who want more liability coverage will pay around $520 per year to raise from a 30/60 limit to 250/500 limits