Acura RL Insurance Rates
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UPDATED: Apr 6, 2024
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Estimated auto insurance rates for an Acura RL are $1,230 annually with full coverage. Comprehensive insurance costs around $236, collision costs $358, and liability costs $478. Liability-only insurance costs as little as $526 a year, with high-risk driver insurance costing $2,652 or more. Teenage drivers pay the most at $4,760 a year or more.
Average premium for full coverage: $1,230
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different RL trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for an Acura RL go from as cheap as $526 for just liability insurance to a much higher rate of $2,652 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details estimated Acura RL insurance rates for additional coverage choices and driver risks.
- The best discount rate is $726
- Drivers who choose higher $1,000 deductibles will pay about $136 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,230
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $258 annually
- Drivers who are prone to accidents and violations could pay at least $2,652 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can be $4,760 a year
Insurance prices for an Acura RL also have a wide range based on the model of your RL, your driving record, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,500 to $2,000 additional annually, depending on your age. High-risk driver insurance can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $400 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Acura RL insurance prices. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,660 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,112 | -$118 | -9.6% |
| Alaska | $944 | -$286 | -23.3% |
| Arizona | $1,020 | -$210 | -17.1% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,402 | $172 | 14.0% |
| Colorado | $1,176 | -$54 | -4.4% |
| Connecticut | $1,262 | $32 | 2.6% |
| Delaware | $1,392 | $162 | 13.2% |
| Florida | $1,538 | $308 | 25.0% |
| Georgia | $1,134 | -$96 | -7.8% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $916 | -$314 | -25.5% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $830 | -$400 | -32.5% |
| Kansas | $1,170 | -$60 | -4.9% |
| Kentucky | $1,678 | $448 | 36.4% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $758 | -$472 | -38.4% |
| Maryland | $1,012 | -$218 | -17.7% |
| Massachusetts | $984 | -$246 | -20.0% |
| Michigan | $2,136 | $906 | 73.7% |
| Minnesota | $1,028 | -$202 | -16.4% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,092 | -$138 | -11.2% |
| Montana | $1,322 | $92 | 7.5% |
| Nebraska | $970 | -$260 | -21.1% |
| Nevada | $1,474 | $244 | 19.8% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,376 | $146 | 11.9% |
| New Mexico | $1,088 | -$142 | -11.5% |
| New York | $1,294 | $64 | 5.2% |
| North Carolina | $708 | -$522 | -42.4% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $850 | -$380 | -30.9% |
| Oklahoma | $1,262 | $32 | 2.6% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,174 | -$56 | -4.6% |
| Rhode Island | $1,640 | $410 | 33.3% |
| South Carolina | $1,114 | -$116 | -9.4% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,076 | -$154 | -12.5% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $910 | -$320 | -26.0% |
| Vermont | $842 | -$388 | -31.5% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $950 | -$280 | -22.8% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $852 | -$378 | -30.7% |
| Wyoming | $1,096 | -$134 | -10.9% |
With such a large range in prices, the best way to find out your exact price is to compare prices from multiple companies. Every company uses a different method to calculate prices, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,206 | $101 |
| Acura RL 3.7 with Tech Package | $1,230 | $103 |
| Acura RL 3.7 with Tech/CMBS Package | $1,230 | $103 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Acura RL | $242 | $394 | $474 | $1,268 |
| 2011 Acura RL | $236 | $358 | $478 | $1,230 |
| 2010 Acura RL | $220 | $326 | $474 | $1,178 |
| 2005 Acura RL | $178 | $236 | $446 | $1,018 |
| 2004 Acura RL | $172 | $224 | $442 | $996 |
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 Buy Cheaper Acura RL Insurance
Finding better rates on insurance for an Acura RL not only requires being safe and accident-free, but also having good credit, being claim-free, and taking advantage of discounts. Spend time shopping around at every policy renewal by getting quotes from direct companies, and also from local exclusive and independent agents.
Below you'll find a condensed summary of the data touched on above.
- Insureds who may need more liability protection will pay an extra $530 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save up to $140 per year simply by shopping early and online
- Increasing policy deductibles could save up to $400 each year
- Youthful drivers are charged the highest prices, possibly costing $397 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,760 |
| 20 | $2,812 |
| 30 | $1,266 |
| 40 | $1,230 |
| 50 | $1,126 |
| 60 | $1,102 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,368 |
| $500 | $1,230 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,326 |
| 100/300 | $1,445 |
| 250/500 | $1,756 |
| 100 CSL | $1,373 |
| 300 CSL | $1,636 |
| 500 CSL | $1,828 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,752 |
| 20 | $4,486 |
| 30 | $2,692 |
| 40 | $2,652 |
| 50 | $2,532 |
| 60 | $2,508 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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