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: May 12, 2022

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U.S. average insurance prices for an Acura RL are $996 every 12 months including full coverage. Comprehensive costs an estimated $172 a year, collision insurance costs $224, and liability insurance is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $2,136. Teen drivers pay the highest rates at up to $3,978 a year.

Average premium for full coverage: $996

Price estimates broken down by individual coverage:

Comprehensive $172
Collision $224
Liability $442

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and RL trim levels.

Price Range from Low to High

For the average driver, Acura RL insurance prices range from the cheapest price of $496 for just liability insurance to a high of $2,136 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $996
High Risk $2,136

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The ranges above highlight why it is important to compare rates quotes for a targeted area and their own driving history, 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.

More Rate Details

The chart below breaks down average Acura RL insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $607
  • Raising to $1,000 deductibles will save approximately $904 every year
  • The average price for the average middle-age driver who has $500 deductibles is $996
  • Choosing low $100 deductibles increases the price to $1,166
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,136
  • The price to insure a teen driver can cost as much as $3,978

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing Acura RL insurance rates range from $607 to $3,978 for full coverage

Insurance prices for an Acura RL are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $270 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

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 $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,420 on average in Louisiana, New York, and Michigan.

Acura RL Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $900 -$96 -9.6%
Alaska $766 -$230 -23.1%
Arizona $828 -$168 -16.9%
Arkansas $996 -$0 0.0%
California $1,136 $140 14.1%
Colorado $952 -$44 -4.4%
Connecticut $1,024 $28 2.8%
Delaware $1,128 $132 13.3%
Florida $1,246 $250 25.1%
Georgia $918 -$78 -7.8%
Hawaii $716 -$280 -28.1%
Idaho $674 -$322 -32.3%
Illinois $742 -$254 -25.5%
Indiana $750 -$246 -24.7%
Iowa $672 -$324 -32.5%
Kansas $946 -$50 -5.0%
Kentucky $1,360 $364 36.5%
Louisiana $1,476 $480 48.2%
Maine $614 -$382 -38.4%
Maryland $822 -$174 -17.5%
Massachusetts $800 -$196 -19.7%
Michigan $1,732 $736 73.9%
Minnesota $834 -$162 -16.3%
Mississippi $1,194 $198 19.9%
Missouri $882 -$114 -11.4%
Montana $1,070 $74 7.4%
Nebraska $786 -$210 -21.1%
Nevada $1,194 $198 19.9%
New Hampshire $718 -$278 -27.9%
New Jersey $1,114 $118 11.8%
New Mexico $882 -$114 -11.4%
New York $1,050 $54 5.4%
North Carolina $572 -$424 -42.6%
North Dakota $816 -$180 -18.1%
Ohio $688 -$308 -30.9%
Oklahoma $1,024 $28 2.8%
Oregon $914 -$82 -8.2%
Pennsylvania $952 -$44 -4.4%
Rhode Island $1,328 $332 33.3%
South Carolina $902 -$94 -9.4%
South Dakota $840 -$156 -15.7%
Tennessee $874 -$122 -12.2%
Texas $1,200 $204 20.5%
Utah $738 -$258 -25.9%
Vermont $684 -$312 -31.3%
Virginia $596 -$400 -40.2%
Washington $770 -$226 -22.7%
West Virginia $914 -$82 -8.2%
Wisconsin $690 -$306 -30.7%
Wyoming $888 -$108 -10.8%

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 $982 $82
Acura RL 3.7 with Tech Package $996 $83
Acura RL 3.7 with Tech/CMBS Package $996 $83

Rates assume 2001 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
2005 Acura RL $194 $248 $452 $1,052
2004 Acura RL $178 $236 $446 $1,018

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 Shop for the Best Cheap Acura RL Insurance

Getting lower rates on Acura RL insurance consists of avoiding accidents and violations, having good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around every other policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a quick review of the ideas that were touched on above.

  • Teenagers are charged the highest prices, possibly costing $332 a month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,140 more annually for car insurance
  • Increasing physical damage deductibles could save as much as $250 each year
  • You may be able to save approximately $110 per year just by quoting early and online

Rates by Driver Age

Acura RL Insurance Rates by Driver Age
Driver Age Premium
16 $3,978
20 $2,274
30 $1,016
40 $996
50 $914
60 $894

Full coverage, $500 deductibles

Rates by Deductible

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,166
$250 $1,088
$500 $996
$1,000 $904

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $996
50/100 $1,084
100/300 $1,195
250/500 $1,482
100 CSL $1,129
300 CSL $1,372
500 CSL $1,549

Full coverage, driver age 40

Rates for High Risk Drivers

Acura RL Insurance Rates for High Risk Drivers
Age Premium
16 $5,600
20 $3,618
30 $2,156
40 $2,136
50 $2,044
60 $2,024

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 $132

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $61
5-yr Claim Free $62
Paid in Full/EFT $36
Advance Quote $43
Online Quote $67
Total Discounts $389
Rate after discounts $607

Discounts are estimated and may not be available from every company or in every state.

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