Acura RL Insurance Rates
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Michelle Robbins
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UPDATED: Apr 6, 2024
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The average insurance rates for an Acura RL are $1,178 a year for full coverage insurance. Comprehensive insurance costs around $220, collision insurance costs $326, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,542 or more. Teen drivers cost the most to insure at up to $4,596 a year.
Average premium for full coverage: $1,178
Policy rates for type of insurance:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different RL trim levels.
Price Range Variability
For the average driver, Acura RL insurance rates range from the low end price of $522 for just the minimum liability insurance to a much higher rate of $2,542 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying 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 Analysis
The chart below illustrates average Acura RL insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $699
- Drivers who choose higher $1,000 deductibles will pay about $124 each year
- The estimated price for a good driver age 40 using $500 deductibles is $1,178
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $240 a year
- High risk drivers with multiple violations and an at-fault accident could pay at least $2,542
- Policy cost that insures a teen driver with full coverage can be $4,596 a year
Auto insurance rates for an Acura RL also range considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,500 a year. View Rates by Age
Your home state makes a big difference in Acura RL insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or 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% |
Choosing high deductibles could save up to $370 each year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $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 Cheapest Acura RL Insurance
Finding cheaper rates on Acura RL insurance not only requires being a good driver, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a recap of the information touched on above.
- It is possible to save up to $140 per year just by shopping early and online
- Drivers age 16 to 20 are expensive to insure, possibly costing $383 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles can save approximately $375 each year
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,360 more every year than a safer driver
- Drivers who may need an increased level of liability coverage will pay about $520 annually to go from a 30/60 limit to the 250/500 level
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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