Acura RL Insurance Rates

Estimated insurance rates for an Acura RL are $1,136 a year for full coverage. Comprehensive costs around $208 a year, collision costs $296, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,446. Teenage drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,136

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and RL trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences show why it is important to compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

The chart below shows estimated Acura RL insurance rates for additional coverage choices and driver risks.

• The best discount rate is $678
• Using higher $1,000 deductibles will save about $1,022 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,136
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,356
• Drivers who are prone to accidents and violations could pay at least $2,446 or more
• An auto insurance policy for full coverage for a teen driver can be $4,458 or more

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Acura RL insurance rates. A driver around age 40 might see prices as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,620 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $340 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,300 to $1,900 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different 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 better rates on Acura RL insurance requires avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a review of the concepts that were covered in the above illustrations.

• High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,310 more every year to insure an Acura RL
• Drivers under the age of 20 are expensive to insure, as much as $372 per month if they have full coverage
• Drivers can save up to $130 per year simply by quoting early and online
• Increasing policy deductibles can save around $325 each year
• Drivers can save up to $130 per year simply by quoting early and online