Acura RL Insurance Rates

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UPDATED: Apr 6, 2024

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Average insurance rates for an Acura RL are $1,136 a year with full coverage. Comprehensive costs approximately $208, collision costs $296, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,446. Teenage drivers receive the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,136

Rate estimates by individual coverage type:

Comprehensive $208
Collision $296
Liability $474

Estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all RL models.

Price Range by Coverage and Risk

For the average driver, prices range go from the low end price of $522 for just the minimum liability insurance to the much higher price of $2,446 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,136
High Risk $2,446

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

Rural Areas $852
Small Cities $1,193
Large Cities $1,534

These examples demonstrate why everyone should get quotes using their specific location, instead of using 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.

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Additional Rate Analysis

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

  • The best discount rate is $678
  • Choosing higher $1,000 deductibles can save $114 annually
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,136
  • Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,356
  • Unlucky drivers who are prone to accidents and violations could pay around $2,446 or more
  • The cost that insures a teen driver for full coverage can cost $4,458 each year

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing full coverage Acura RL insurance rates range from $678 to $4,458

Insurance rates for an Acura RL can also vary considerably based on the model of your RL, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,300 to $1,900 extra per year, depending on your age. Acura RL insurance for high-risk drivers ranges as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,400 a year. View Rates by Age

Where you live plays a big part in determining prices for Acura RL insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,530 on average in New York, Michigan, and Florida.

Acura RL Insurance Rates by State
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%

View Chart as Image

Acura RL insurance rates by U.S. city

Using high physical damage deductibles can save as much as $340 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Acura RL Insurance Rates by Model and Trim Level
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.

Acura RL Insurance Rates by Model Year
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

Saving money on car insurance takes being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a review of the data that was touched on above.

  • You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
  • Policyholders who purchase higher levels of liability will pay an extra $520 every year to raise limits from a minimum limit to the 250/500 level
  • Teenage drivers are expensive to insure, with premiums as much as $372 per month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations may have to pay on average $1,310 more per year for auto insurance

Rates by Driver Age

Acura RL Insurance 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

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,356
$250 $1,254
$500 $1,136
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
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

Acura RL Insurance 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.

SR-22 Surcharge $154

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
Rate after discounts $678

Discounts are estimated and may not be available from every company or in every state.

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