Acura RL Insurance Rates

Estimated insurance prices for an Acura RL are $1,136 every 12 months including full coverage. Comprehensive insurance costs on average $208, collision costs $296, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,446 or more. Teenage drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,136

Premium estimates by type of coverage:

Rates are based on $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all RL models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

These rate differences highlight why everyone should get quotes based on a specific location and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down estimated Acura RL insurance rates for different risk profiles and scenarios.

• The best discount rate is $678
• Choosing higher $1,000 deductibles can save around $114 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,136
• Using pricier low deductibles for comp and collision coverage costs an extra $220 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,446 or more
• An auto insurance policy to insure a teen driver for full coverage may cost $4,458 each year

View Chart as Image

Insurance prices for an Acura RL also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your RL.

Using high physical damage deductibles can save as much as $340 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,300 to $1,900 extra annually, depending on your age. Acura RL insurance for high-risk drivers ranges as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Acura RL insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,620 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Best Cheap Acura RL Insurance

Finding better rates on car insurance takes having a good driving record, having good credit, refrain from filing small claims, and bundling your home and auto policies. Take the time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a quick review of the material that was covered in the above illustrations.

• Policyholders who require increased levels of liability coverage will pay an extra $520 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers age 20 and younger pay the highest prices, with the cost nearing $372 per month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,310 more each year to buy Acura RL insurance
• Increasing policy deductibles could save as much as $325 each year