Acura RL Insurance Rates

The average insurance rates for an Acura RL are $1,136 a year for full coverage insurance. Comprehensive insurance costs on average $208, collision costs $296, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,446 or more. Teenage 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:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different RL trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using average rates.

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 different risk profiles and scenarios.

• The best discount rate is $678
• Using higher $1,000 deductibles will save around $114 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,136
• Using more expensive low deductibles for physical damage coverage will cost an extra $220 every year
• Drivers who are prone to accidents and violations could pay upwards of $2,446 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $4,458 or more

View Chart as Image

Insurance rates for an Acura RL also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,400 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $340 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per 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 probably paying at a minimum $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the 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 More Affordable Acura RL Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, maintaining good credit, being claim-free, and bundling your home and auto policies. Set aside time to shop around at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a summary of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers who have multiple accidents or major violations pay an average of $1,310 more each year for RL insurance
• It is possible to save as much as $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Policyholders who require higher liability limits will pay an extra $520 annually to increase from a 30/60 limit to 250/500 limits