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 auto insurance rates for an Acura RL are $1,178 annually with full coverage. Comprehensive insurance costs on average $220 a year, collision insurance costs $326, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,542 or more. Teens 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

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and RL trim levels.

Price Range Variability

For the average 40-year-old driver, Acura RL insurance rates range from as cheap as $522 for minimum levels of liability insurance to a high of $2,542 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on car insurance rates.

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

The examples above demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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 Details

The chart below details average Acura RL insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $699
  • Drivers who choose higher $1,000 deductibles will pay around $1,054 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,178
  • Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $240 a year
  • High risk drivers with serious driving violations could pay upwards of $2,542
  • Policy cost with full coverage for a teen driver may cost $4,596 a year

View Chart as Image

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

Insurance rates for an Acura RL also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards 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 may be forking out at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $370 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Acura RL insurance rates. A 40-year-old driver could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,590 on average in Florida, Michigan, and New York.

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 Buy the Cheapest Acura RL Insurance

Finding cheaper rates on Acura RL insurance not only requires not taking risks behind the wheel, but also having a good credit history, not filing small claims, and determing if full coverage is necessary. Make time to compare rates once a year by getting price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following is a recap of the data that was touched on in this article.

  • You may be able to save as much as $140 per year just by quoting early and online
  • Drivers who require higher liability limits will pay approximately $520 every year to go from a 30/60 limit to higher 250/500 limits
  • Teens pay the highest rates, as much as $383 each month including comprehensive and collision insurance
  • High-risk drivers that have major violations or accidents pay an average of $1,360 more each year for RL insurance

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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