Acura RL Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance prices for an Acura RL are $1,230 every 12 months with full coverage. Comprehensive insurance costs approximately $236, collision insurance costs $358, and liability coverage is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs $2,652 or more. 16-year-old drivers receive the highest rates at up to $4,760 a year.
Average premium for full coverage: $1,230
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different RL trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $526 for just liability insurance to a much higher rate of $2,652 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have more infrequent collision claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than using rate 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 details average Acura RL insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $726
- Raising to $1,000 deductibles will save $136 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,230
- Buying more expensive low deductibles costs an extra $258 each year
- Unlucky drivers with multiple tickets or accidents could pay around $2,652
- The cost to insure a teenage driver with full coverage can cost $4,760
Auto insurance rates for an Acura RL can also vary considerably based on policy deductibles and limits, your driving record, and the model of your RL.
Opting for high physical damage deductibles can reduce rates by up to $400 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 136% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Acura RL insurance rates. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,660 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,112 | -$118 | -9.6% |
| Alaska | $944 | -$286 | -23.3% |
| Arizona | $1,020 | -$210 | -17.1% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,402 | $172 | 14.0% |
| Colorado | $1,176 | -$54 | -4.4% |
| Connecticut | $1,262 | $32 | 2.6% |
| Delaware | $1,392 | $162 | 13.2% |
| Florida | $1,538 | $308 | 25.0% |
| Georgia | $1,134 | -$96 | -7.8% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $916 | -$314 | -25.5% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $830 | -$400 | -32.5% |
| Kansas | $1,170 | -$60 | -4.9% |
| Kentucky | $1,678 | $448 | 36.4% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $758 | -$472 | -38.4% |
| Maryland | $1,012 | -$218 | -17.7% |
| Massachusetts | $984 | -$246 | -20.0% |
| Michigan | $2,136 | $906 | 73.7% |
| Minnesota | $1,028 | -$202 | -16.4% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,092 | -$138 | -11.2% |
| Montana | $1,322 | $92 | 7.5% |
| Nebraska | $970 | -$260 | -21.1% |
| Nevada | $1,474 | $244 | 19.8% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,376 | $146 | 11.9% |
| New Mexico | $1,088 | -$142 | -11.5% |
| New York | $1,294 | $64 | 5.2% |
| North Carolina | $708 | -$522 | -42.4% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $850 | -$380 | -30.9% |
| Oklahoma | $1,262 | $32 | 2.6% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,174 | -$56 | -4.6% |
| Rhode Island | $1,640 | $410 | 33.3% |
| South Carolina | $1,114 | -$116 | -9.4% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,076 | -$154 | -12.5% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $910 | -$320 | -26.0% |
| Vermont | $842 | -$388 | -31.5% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $950 | -$280 | -22.8% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $852 | -$378 | -30.7% |
| Wyoming | $1,096 | -$134 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,206 | $101 |
| Acura RL 3.7 with Tech Package | $1,230 | $103 |
| Acura RL 3.7 with Tech/CMBS Package | $1,230 | $103 |
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 | $242 | $394 | $474 | $1,268 |
| 2011 Acura RL | $236 | $358 | $478 | $1,230 |
| 2010 Acura RL | $220 | $326 | $474 | $1,178 |
| 2005 Acura RL | $178 | $236 | $446 | $1,018 |
| 2004 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 Shop for Cheaper Acura RL Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a condensed summary of the information illustrated above.
- You may be able to save around $140 per year just by shopping early and online
- Teenage drivers have the highest car insurance rates, with premiums as much as $397 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $400 each year
- Drivers with multiple at-fault accidents could be forced to pay on average $1,420 more per year for auto insurance
- Consumers who purchase higher levels of liability will pay around $530 every year to raise from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,760 |
| 20 | $2,812 |
| 30 | $1,266 |
| 40 | $1,230 |
| 50 | $1,126 |
| 60 | $1,102 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,368 |
| $500 | $1,230 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,326 |
| 100/300 | $1,445 |
| 250/500 | $1,756 |
| 100 CSL | $1,373 |
| 300 CSL | $1,636 |
| 500 CSL | $1,828 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,752 |
| 20 | $4,486 |
| 30 | $2,692 |
| 40 | $2,652 |
| 50 | $2,532 |
| 60 | $2,508 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
