Acura RL Insurance Rates
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Michelle Robbins
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UPDATED: Apr 6, 2024
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The average auto insurance rates for an Acura RL are $1,178 annually for full coverage insurance. Comprehensive costs approximately $220 a year, collision insurance costs $326, and liability costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage 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:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and RL trim levels.
Price Range Variability
For the normal driver, Acura RL insurance rates range from as cheap as $522 for the bare minimum liability coverage to a high of $2,542 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.
The examples above illustrate why it is important to compare rates using their specific location and their own personal driving habits, 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.
Additional Rate Information
The chart below illustrates average Acura RL insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $699
- Drivers who choose higher $1,000 deductibles will pay $1,054 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,178
- Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,418
- Drivers with multiple violations and an at-fault accident could pay around $2,542
- Policy cost with full coverage for a 16-year-old driver can cost $4,596 a year
Insurance rates for an Acura RL also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared 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 caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $370 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Acura RL insurance prices. A 40-year-old driver could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,590 on average in Florida, 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% |
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 Buy the Right Acura RL Insurance
Finding cheaper rates on insurance for an Acura RL not only requires being a safe and courteous driver, but also having good credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a quick rundown of the coverage data presented in the illustrations above.
- It is possible to save around $140 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $375 each year
- Teenage drivers are the costliest to insure, possibly costing $383 each month if they have full coverage
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,360 more per year for auto insurance
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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