Acura RL Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 6, 2024
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U.S. average insurance rates for an Acura RL are $1,178 a year for full coverage insurance. Comprehensive insurance costs on average $220 each year, collision insurance costs $326, and liability insurance is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,542 or more. Teenage drivers pay the highest rates at up to $4,596 a year.
Average premium for full coverage: $1,178
Price estimates by individual coverage:
Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and RL models.
Price Range from Low to High
For a driver in their 40's, Acura RL insurance prices range from the low end price of $522 for just the minimum liability insurance to a high rate of $2,542 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.
The ranges above illustrate why all drivers should compare rates quotes based on a specific location, rather than relying 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.
Additional Rate Analysis
The chart below illustrates average Acura RL insurance rates for different risk profiles and scenarios.
- The best discount rate is $699
- Raising to $1,000 deductibles will save around $124 each year
- The estimated price for the average middle-age driver with $500 deductibles is $1,178
- Using low deductibles will cost an additional $240 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,542
- The price that insures a teen driver may cost $4,596
Auto insurance prices for an Acura RL are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age
The state you live in also has a big influence on Acura RL insurance rates. A middle-age driver might find prices as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,590 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,066 | -$112 | -9.5% |
| Alaska | $902 | -$276 | -23.4% |
| Arizona | $978 | -$200 | -17.0% |
| Arkansas | $1,178 | -$0 | 0.0% |
| California | $1,342 | $164 | 13.9% |
| Colorado | $1,126 | -$52 | -4.4% |
| Connecticut | $1,212 | $34 | 2.9% |
| Delaware | $1,334 | $156 | 13.2% |
| Florida | $1,474 | $296 | 25.1% |
| Georgia | $1,088 | -$90 | -7.6% |
| Hawaii | $846 | -$332 | -28.2% |
| Idaho | $798 | -$380 | -32.3% |
| Illinois | $878 | -$300 | -25.5% |
| Indiana | $886 | -$292 | -24.8% |
| Iowa | $794 | -$384 | -32.6% |
| Kansas | $1,120 | -$58 | -4.9% |
| Kentucky | $1,608 | $430 | 36.5% |
| Louisiana | $1,744 | $566 | 48.0% |
| Maine | $728 | -$450 | -38.2% |
| Maryland | $972 | -$206 | -17.5% |
| Massachusetts | $944 | -$234 | -19.9% |
| Michigan | $2,048 | $870 | 73.9% |
| Minnesota | $986 | -$192 | -16.3% |
| Mississippi | $1,412 | $234 | 19.9% |
| Missouri | $1,046 | -$132 | -11.2% |
| Montana | $1,266 | $88 | 7.5% |
| Nebraska | $930 | -$248 | -21.1% |
| Nevada | $1,414 | $236 | 20.0% |
| New Hampshire | $848 | -$330 | -28.0% |
| New Jersey | $1,318 | $140 | 11.9% |
| New Mexico | $1,044 | -$134 | -11.4% |
| New York | $1,242 | $64 | 5.4% |
| North Carolina | $678 | -$500 | -42.4% |
| North Dakota | $966 | -$212 | -18.0% |
| Ohio | $814 | -$364 | -30.9% |
| Oklahoma | $1,212 | $34 | 2.9% |
| Oregon | $1,080 | -$98 | -8.3% |
| Pennsylvania | $1,126 | -$52 | -4.4% |
| Rhode Island | $1,572 | $394 | 33.4% |
| South Carolina | $1,068 | -$110 | -9.3% |
| South Dakota | $996 | -$182 | -15.4% |
| Tennessee | $1,032 | -$146 | -12.4% |
| Texas | $1,422 | $244 | 20.7% |
| Utah | $872 | -$306 | -26.0% |
| Vermont | $808 | -$370 | -31.4% |
| Virginia | $706 | -$472 | -40.1% |
| Washington | $912 | -$266 | -22.6% |
| West Virginia | $1,080 | -$98 | -8.3% |
| Wisconsin | $816 | -$362 | -30.7% |
| Wyoming | $1,052 | -$126 | -10.7% |
Using high physical damage deductibles can reduce prices by up to $370 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,158 | $97 |
| Acura RL 3.7 with Tech Package | $1,178 | $98 |
| Acura RL 3.7 with Tech/CMBS Package | $1,178 | $98 |
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 | $236 | $358 | $478 | $1,230 |
| 2011 Acura RL | $220 | $326 | $474 | $1,178 |
| 2010 Acura RL | $208 | $296 | $474 | $1,136 |
| 2005 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 Find the Right Acura RL Insurance
Getting lower rates on Acura RL insurance consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at every other renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
Below is a quick rundown of the concepts that were covered in the charts and tables above.
- High-risk drivers with reckless driving or DUI convictions may pay on average $1,360 more each year for auto insurance
- Teenage drivers are charged the highest prices, as much as $383 a month if the policy includes full coverage
- It is possible to save as much as $140 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $375 each year
- It is possible to save as much as $140 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,596 |
| 20 | $2,696 |
| 30 | $1,212 |
| 40 | $1,178 |
| 50 | $1,078 |
| 60 | $1,056 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,418 |
| $250 | $1,308 |
| $500 | $1,178 |
| $1,000 | $1,054 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,178 |
| 50/100 | $1,273 |
| 100/300 | $1,391 |
| 250/500 | $1,699 |
| 100 CSL | $1,320 |
| 300 CSL | $1,581 |
| 500 CSL | $1,771 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,512 |
| 20 | $4,302 |
| 30 | $2,576 |
| 40 | $2,542 |
| 50 | $2,430 |
| 60 | $2,404 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $82 |
| Total Discounts | $479 |
Discounts are estimated and may not be available from every company or in every state.
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