Acura RL Insurance Rates
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UPDATED: Apr 6, 2024
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U.S. average insurance rates for an Acura RL are $1,178 a year including full coverage. Comprehensive costs an estimated $220, collision costs $326, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,542. Teen drivers pay the highest rates at $4,596 a year or more.
Average premium for full coverage: $1,178
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different RL trim levels.
Price Range from Low to High
For a driver around age 40, Acura RL insurance prices go from as low as $522 for your basic liability-only policy to a much higher rate of $2,542 for a high-risk insurance policy.
Geographic Price Range
Where you live can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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.
More Rate Information
The chart below breaks down estimated Acura RL insurance rates for other coverage scenarios.
- The lowest rate with discounts is $699
- Using higher $1,000 deductibles will save approximately $124 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,178
- Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,418
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,542 or more
- The price for full coverage for a 16-year-old driver with full coverage can cost as much as $4,596 or more
Insurance prices for an Acura RL are also quite variable based on your driving record, the model of your RL, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age
The state you live in has a huge impact on Acura RL insurance prices. A driver around age 40 might see prices as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,680 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles could cut prices by as much as $370 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can be from 44% to 133% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.
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 Best Cheap Acura RL Insurance
Getting lower rates on insurance for an Acura RL requires being a safe and courteous driver, having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a quick review of the car insurance concepts covered above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,360 more annually for auto insurance
- You may be able to save approximately $140 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $375 each year
- Insureds who want higher levels of liability will pay about $520 per year to increase from a low limit to 250/500 limits
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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