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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Average auto insurance rates for an Acura RL are $1,230 annually with full coverage. Comprehensive costs an estimated $236, collision costs $358, and liability costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing around $2,652. Teenage drivers receive the highest rates at $4,760 a year or more.

Average premium for full coverage: $1,230

Rate estimates broken down by individual coverage type:

Comprehensive $236
Collision $358
Liability $478

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all RL models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $526 for the bare minimum liability coverage to the much higher price of $2,652 for a driver who requires high-risk insurance.

Liability Only $526
Full Coverage $1,230
High Risk $2,652

Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities.

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

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

These examples demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of using 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.

Additional Rate Information

The chart below details estimated Acura RL insurance rates for other coverage scenarios.

  • The best discount rate is $726
  • Drivers who choose higher $1,000 deductibles will pay approximately $136 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,230
  • Using pricier low deductibles for comprehensive and collision insurance will cost $1,488
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,652 or more
  • The cost with full coverage for a teen driver for full coverage can cost as much as $4,760 a year

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing full coverage Acura RL insurance rates range from $726 to $4,760

Car insurance rates for an Acura RL can also vary considerably based on the trim level of your RL, your driving record, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,000 extra per year, depending on your age. Acura RL insurance for high-risk drivers can cost as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $400 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Acura RL insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,660 on average in New York, Michigan, and Florida.

Acura RL Insurance Rates by State
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%

View Chart as Image

Acura RL insurance rates by U.S. city

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 $1,206 $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.

Acura RL Insurance Rates by Model Year
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 Buy the Best Cheap Acura RL Insurance

Saving money on car insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a quick review of the concepts that were covered in the above illustrations.

  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,420 more annually to buy Acura RL insurance
  • Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $397 per month if comprehensive and collision insurance is included
  • You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $400 each year
  • You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Acura RL Insurance 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

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,368
$500 $1,230
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
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

Acura RL Insurance 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.

SR-22 Surcharge $168

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
Rate after discounts $726

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

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