Acura RL Insurance Rates

Estimated insurance prices for an Acura RL are $1,136 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $208 each year, collision costs $296, and liability coverage is estimated at $474. A policy with only liability insurance costs approximately $522 a year, with a high-risk policy costing $2,446 or more. 16-year-old drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,136

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and RL models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences illustrate why all drivers should get quotes using their specific location and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $678
• Choosing higher $1,000 deductibles can save $114 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,136
• Buying low deductibles for comp and collision coverage costs an extra $220 each year
• Drivers with multiple tickets or accidents could pay around $2,446 or more
• An auto insurance policy to insure a teenage driver can cost $4,458 each year

View Chart as Image

Car insurance prices for an Acura RL also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your RL.

Opting for high physical damage deductibles can save as much as $340 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 128% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Acura RL insurance rates. A good driver about age 40 could pay 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

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially 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 Shop for the Cheapest Acura RL Insurance

Finding better rates on auto insurance takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Spend time shopping around at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a recap of the car insurance concepts touched on above.

• Drivers that have major violations or accidents may have to pay on average $1,310 more per year to insure their RL
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $325 each year
• Consumers who purchase more liability coverage will pay around $520 annually to raise limits from 30/60 bodily injury limits to a 250/500 level