Acura RL Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 6, 2024
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U.S. average insurance rates for an Acura RL are $1,136 a year for full coverage. Comprehensive costs on average $208 a year, collision insurance costs $296, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $2,446. Teenage drivers pay the highest rates at up to $4,458 a year.
Average premium for full coverage: $1,136
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and RL trim levels.
Price Range from Low to High
For an average driver, Acura RL insurance prices range from as low as $522 for your basic liability-only policy to a high of $2,446 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.
The ranges above show why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on 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.
More Rate Information
The chart below shows average Acura RL insurance rates for different risk profiles and scenarios.
- The best discount rate is $678
- Raising to $1,000 deductibles will save around $1,022 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,136
- Using low $100 deductibles will increase the cost to $1,356
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,446
- The price for full coverage for a teen driver may cost $4,458
Insurance prices for an Acura RL are also quite variable based on your driving record, the trim level of your RL, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $4,400 a year. View Rates by Age
The state you live in also has a big influence on Acura RL insurance rates. A middle-age driver might find prices as low as $750 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,620 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $340 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,300 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Acura RL Insurance
Getting lower rates on Acura RL insurance consists of being a good driver, maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates at every other renewal by getting price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The following list is a brief recap of the concepts that were covered in the above illustrations.
- High-risk drivers who tend to receive serious violations will pay on average $1,310 more each year than a safer driver
- Drivers age 16 to 20 pay the highest prices, with premiums as much as $372 a month for full coverage
- Drivers can save as much as $130 per year just by quoting early and online
- Increasing physical damage deductibles can save around $325 each year
- Drivers can save as much as $130 per year just by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,356 |
| $250 | $1,254 |
| $500 | $1,136 |
| $1,000 | $1,022 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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