Acura RL Insurance Rates
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Michelle Robbins
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UPDATED: Apr 6, 2024
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The average insurance rates for an Acura RL are $1,136 a year for full coverage. Comprehensive insurance costs on average $208 each year, collision costs $296, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $2,446 or more. Teen 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:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and RL models.
Price Range Variability
For the normal driver, Acura RL insurance rates go from the low end price of $522 for a discount liability-only rate to a high rate of $2,446 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates how geographic area affects car insurance rates.
The examples above show why all drivers should compare prices based on a specific location, instead of making a decision based on price averages.
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.
Rates by State, City, and Model
The chart below shows estimated Acura RL insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $678
- Using higher $1,000 deductibles will save around $114 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,136
- Choosing low deductibles for physical damage coverage will cost an additional $220 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,446 or more
- Policy cost that insures a 16-year-old driver may cost $4,458 or more
Auto insurance rates for an Acura RL also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,300 to $1,900 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 128% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have 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 $750 a year in states like Idaho, Maine, and Iowa, or as much as $1,620 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,028 | -$108 | -9.5% |
| Alaska | $870 | -$266 | -23.4% |
| Arizona | $942 | -$194 | -17.1% |
| Arkansas | $1,136 | -$0 | 0.0% |
| California | $1,294 | $158 | 13.9% |
| Colorado | $1,086 | -$50 | -4.4% |
| Connecticut | $1,166 | $30 | 2.6% |
| Delaware | $1,286 | $150 | 13.2% |
| Florida | $1,420 | $284 | 25.0% |
| Georgia | $1,048 | -$88 | -7.7% |
| Hawaii | $814 | -$322 | -28.3% |
| Idaho | $766 | -$370 | -32.6% |
| Illinois | $846 | -$290 | -25.5% |
| Indiana | $854 | -$282 | -24.8% |
| Iowa | $766 | -$370 | -32.6% |
| Kansas | $1,080 | -$56 | -4.9% |
| Kentucky | $1,548 | $412 | 36.3% |
| Louisiana | $1,680 | $544 | 47.9% |
| Maine | $700 | -$436 | -38.4% |
| Maryland | $934 | -$202 | -17.8% |
| Massachusetts | $910 | -$226 | -19.9% |
| Michigan | $1,974 | $838 | 73.8% |
| Minnesota | $950 | -$186 | -16.4% |
| Mississippi | $1,360 | $224 | 19.7% |
| Missouri | $1,008 | -$128 | -11.3% |
| Montana | $1,218 | $82 | 7.2% |
| Nebraska | $896 | -$240 | -21.1% |
| Nevada | $1,362 | $226 | 19.9% |
| New Hampshire | $818 | -$318 | -28.0% |
| New Jersey | $1,270 | $134 | 11.8% |
| New Mexico | $1,006 | -$130 | -11.4% |
| New York | $1,196 | $60 | 5.3% |
| North Carolina | $654 | -$482 | -42.4% |
| North Dakota | $930 | -$206 | -18.1% |
| Ohio | $782 | -$354 | -31.2% |
| Oklahoma | $1,166 | $30 | 2.6% |
| Oregon | $1,040 | -$96 | -8.5% |
| Pennsylvania | $1,084 | -$52 | -4.6% |
| Rhode Island | $1,514 | $378 | 33.3% |
| South Carolina | $1,028 | -$108 | -9.5% |
| South Dakota | $958 | -$178 | -15.7% |
| Tennessee | $996 | -$140 | -12.3% |
| Texas | $1,370 | $234 | 20.6% |
| Utah | $842 | -$294 | -25.9% |
| Vermont | $778 | -$358 | -31.5% |
| Virginia | $680 | -$456 | -40.1% |
| Washington | $878 | -$258 | -22.7% |
| West Virginia | $1,040 | -$96 | -8.5% |
| Wisconsin | $788 | -$348 | -30.6% |
| Wyoming | $1,012 | -$124 | -10.9% |
Choosing high deductibles could cut rates by as much as $340 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,116 | $93 |
| Acura RL 3.7 with Tech Package | $1,136 | $95 |
| Acura RL 3.7 with Tech/CMBS Package | $1,136 | $95 |
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 | $220 | $326 | $474 | $1,178 |
| 2011 Acura RL | $208 | $296 | $474 | $1,136 |
| 2010 Acura RL | $200 | $266 | $468 | $1,092 |
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 Find Low Cost Acura RL Insurance
Finding cheaper rates on insurance for an Acura RL requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following items are a review of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,310 more each year than a driver with a clean driving record
- Drivers can save as much as $130 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $325 each year
- Insureds who require additional liability coverage will pay about $520 each year to increase from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,458 |
| 20 | $2,594 |
| 30 | $1,164 |
| 40 | $1,136 |
| 50 | $1,040 |
| 60 | $1,018 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,356 |
| $250 | $1,254 |
| $500 | $1,136 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,136 |
| 50/100 | $1,231 |
| 100/300 | $1,349 |
| 250/500 | $1,657 |
| 100 CSL | $1,278 |
| 300 CSL | $1,539 |
| 500 CSL | $1,729 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,306 |
| 20 | $4,140 |
| 30 | $2,474 |
| 40 | $2,446 |
| 50 | $2,338 |
| 60 | $2,314 |
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 | $59 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $73 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $44 |
| Advance Quote | $52 |
| Online Quote | $78 |
| Total Discounts | $458 |
Discounts are estimated and may not be available from every company or in every state.
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