Acura RL Insurance Rates

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UPDATED: Apr 6, 2024

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U.S. average insurance rates for an Acura RL are $1,178 a year including full coverage. Comprehensive costs approximately $220, collision insurance costs $326, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $2,542. 16-year-old drivers pay the highest rates at up to $4,596 a year.

Average premium for full coverage: $1,178

Price estimates by individual coverage:

Comprehensive $220
Collision $326
Liability $474

Includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different RL trim levels.

Price Range from Low to High

For a driver in their 40's, Acura RL insurance prices range from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,542 for coverage for higher-risk drivers.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.

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

The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, rather than relying on 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.

Additional Rate Details

The chart below breaks down average Acura RL insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $699
  • Raising to $1,000 deductibles will save $124 every year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,178
  • Buying more expensive low deductibles will increase the cost to $1,418
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,542
  • The price for full coverage for a teen driver with full coverage can cost $4,596

View Chart as Image

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

Insurance prices for an Acura RL are also quite variable based on your driving record, the model of your RL, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

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 $910 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,680 on average in Louisiana, New York, and Michigan.

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

Opting for high physical damage deductibles can reduce prices by up to $370 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

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 Find the Cheapest Acura RL Insurance

Getting lower rates on Acura RL insurance consists of being a good driver, maintaining good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a recap of the primary concepts that were covered in the charts and tables above.

  • You may be able to save around $140 per year just by shopping early and online
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,360 more per year than a safer driver
  • Increasing physical damage deductibles can save around $375 each year
  • Drivers age 16 to 20 are expensive to insure, possibly costing $383 a month for full coverage

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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