Acura RL Insurance Rates

The average insurance prices for an Acura RL are $1,136 every 12 months for full coverage insurance. Comprehensive costs approximately $208, 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. 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 by type of insurance:

Rates are based on $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for all RL models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why everyone should compare prices using their specific location and their own driving history, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $678
• Using higher $1,000 deductibles will save $114 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,136
• Buying pricier low deductibles for physical damage coverage increases the price to $1,356
• Drivers with multiple tickets or accidents could pay around $2,446 or more
• Policy cost to insure a teen driver for full coverage can cost $4,458 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut rates by as much as $340 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,900 extra every year, depending on your age. Acura RL insurance for high-risk drivers can be anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Acura RL insurance rates. A driver around age 40 might see rates as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so rate quotes will be varied.

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 Shop for the Best Cheap Acura RL Insurance

Finding cheaper rates on Acura RL insurance requires having a good driving record, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The next list is a quick review of the material that was covered above.

• Drivers who purchase increased levels of liability coverage will pay around $520 annually to increase from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger pay the highest auto insurance rates, possibly costing $372 each month if the policy includes full coverage
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,310 more per year to buy Acura RL insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year