Acura RL Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 6, 2024

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The average insurance prices for an Acura RL are $1,178 every 12 months for full coverage. Comprehensive costs approximately $220 each year, collision insurance costs $326, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,542. Teen drivers cost the most to insure at up to $4,596 a year.

Average premium for full coverage: $1,178

Policy rates by type of insurance:

Comprehensive $220
Collision $326
Liability $474

Prices include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and RL models.

Price Range Variability

For the average 40-year-old driver, Acura RL insurance rates range from the cheapest price of $522 for just liability insurance to a high rate of $2,542 for high-risk insurance.

Liability Only $522
Full Coverage $1,178
High Risk $2,542

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $884
Small Cities $1,237
Large Cities $1,590

The examples above show why all drivers should get quotes using their specific location and their own driving history, rather than using 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 Details

The chart below shows average Acura RL insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $699
  • Choosing higher $1,000 deductibles can save $124 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,178
  • Choosing low deductibles for comp and collision coverage increases the price to $1,418
  • Drivers with multiple violations and an at-fault accident could pay around $2,542
  • Policy cost to insure a teenage driver can cost $4,596 each year

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing Acura RL insurance rates range from $699 to $4,596 for full coverage

Auto insurance rates for an Acura RL also range considerably based on liability limits and deductibles, your driver profile, and the model of your RL.

Choosing high deductibles can save as much as $370 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 133% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Acura RL insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,680 on average in New York, Louisiana, and Michigan.

Acura RL Insurance Rates by State
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%

View Chart as Image

Acura RL insurance rates by U.S. city

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 $1,158 $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.

Acura RL Insurance Rates by Model Year
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 Shop for the Right Acura RL Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates every couple of years by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a quick rundown of the material that was touched on in this article.

  • Consumers who purchase increased levels of liability coverage will pay about $520 each year to raise limits from a 30/60 limit to a 250/500 level
  • Drivers age 20 and younger have the highest car insurance rates, costing up to $383 each month if comprehensive and collision insurance is included
  • Drivers with reckless driving or DUI convictions may pay on average $1,360 more per year to buy Acura RL insurance
  • Increasing comprehensive and collision deductibles could save as much as $375 each year

Rates by Driver Age

Acura RL Insurance 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

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,308
$500 $1,178
$1,000 $1,054

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
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

Acura RL Insurance 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.

SR-22 Surcharge $160

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
Rate after discounts $699

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

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