Acura RL Insurance Rates

Average insurance rates for an Acura RL are $1,136 a year including full coverage. Comprehensive costs an estimated $208 each year, collision costs $296, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,446. Teenage drivers receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,136

Rate estimates broken down by individual coverage type:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and RL models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine insurance prices.

These examples highlight why all drivers should get quotes for a targeted area, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $678
• Choosing higher $1,000 deductibles can save approximately $114 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,136
• Using low deductibles for comp and collision coverage bumps up the cost to $1,356
• Drivers who are prone to accidents and violations could pay up to $2,446 or more
• The cost that insures a teenage driver can cost as much as $4,458 each year

View Chart as Image

Insurance rates for an Acura RL can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,300 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 128% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Acura RL insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,620 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $340 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

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 Cheap Acura RL Insurance

Saving money on auto insurance takes being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a quick review of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $130 per year simply by quoting online in advance
• Drivers with a DUI or reckless driving violation could be charged and average of $1,310 more annually than a safer driver
• Increasing deductibles can save approximately $325 each year
• Drivers age 16 to 20 are expensive to insure, as much as $372 per month if comprehensive and collision insurance is included