Acura TL Insurance Rates
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Michelle Robbins
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UPDATED: Apr 26, 2024
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How much is insurance on an Acura TL? While there may be small differences in rates between 2006 Acura TL insurance costs versus 2005 Acura TL costs, the average Acura TL insurance rates will be $1,370 a year or $114 a month. Read on to learn more about Acura TL insurance costs and how to save on insurance for vehicles.
Use our free rate comparison tool above to get an accurate Acura TL comparison of rates and savings in your area.
Estimated auto insurance rates for an Acura TL are $1,112 annually for full coverage. Comprehensive insurance costs on average $190 each year, collision insurance costs $286, and liability is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs $2,400 or more. 16-year-old drivers pay the most at up to $4,410 a year.
Average premium for full coverage: $1,112
Premium estimates by type of coverage:
Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and TL models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for an Acura TL range from as cheap as $526 for just liability insurance to a high rate of $2,400 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.
These rate differences show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.
More Rate Details
The chart below shows average Acura TL insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $663
- Raising to $1,000 deductibles will save around $108 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,112
- Buying low deductibles costs an additional $208 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,400
- An auto insurance policy with full coverage for a 16-year-old driver may cost $4,410
Insurance prices for an Acura TL also have a wide range based on the model of your TL, your driver profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,300 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $320 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Acura TL insurance prices. A middle-age driver might find prices as low as $730 a year in states like Idaho, Maine, and Iowa, or at least $1,590 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,006 | -$106 | -9.5% |
| Alaska | $854 | -$258 | -23.2% |
| Arizona | $924 | -$188 | -16.9% |
| Arkansas | $1,112 | -$0 | 0.0% |
| California | $1,266 | $154 | 13.8% |
| Colorado | $1,064 | -$48 | -4.3% |
| Connecticut | $1,142 | $30 | 2.7% |
| Delaware | $1,258 | $146 | 13.1% |
| Florida | $1,392 | $280 | 25.2% |
| Georgia | $1,026 | -$86 | -7.7% |
| Hawaii | $798 | -$314 | -28.2% |
| Idaho | $752 | -$360 | -32.4% |
| Illinois | $830 | -$282 | -25.4% |
| Indiana | $838 | -$274 | -24.6% |
| Iowa | $750 | -$362 | -32.6% |
| Kansas | $1,058 | -$54 | -4.9% |
| Kentucky | $1,516 | $404 | 36.3% |
| Louisiana | $1,644 | $532 | 47.8% |
| Maine | $686 | -$426 | -38.3% |
| Maryland | $916 | -$196 | -17.6% |
| Massachusetts | $890 | -$222 | -20.0% |
| Michigan | $1,932 | $820 | 73.7% |
| Minnesota | $930 | -$182 | -16.4% |
| Mississippi | $1,332 | $220 | 19.8% |
| Missouri | $986 | -$126 | -11.3% |
| Montana | $1,196 | $84 | 7.6% |
| Nebraska | $878 | -$234 | -21.0% |
| Nevada | $1,332 | $220 | 19.8% |
| New Hampshire | $800 | -$312 | -28.1% |
| New Jersey | $1,244 | $132 | 11.9% |
| New Mexico | $984 | -$128 | -11.5% |
| New York | $1,170 | $58 | 5.2% |
| North Carolina | $640 | -$472 | -42.4% |
| North Dakota | $910 | -$202 | -18.2% |
| Ohio | $768 | -$344 | -30.9% |
| Oklahoma | $1,142 | $30 | 2.7% |
| Oregon | $1,018 | -$94 | -8.5% |
| Pennsylvania | $1,060 | -$52 | -4.7% |
| Rhode Island | $1,484 | $372 | 33.5% |
| South Carolina | $1,006 | -$106 | -9.5% |
| South Dakota | $938 | -$174 | -15.6% |
| Tennessee | $974 | -$138 | -12.4% |
| Texas | $1,340 | $228 | 20.5% |
| Utah | $824 | -$288 | -25.9% |
| Vermont | $762 | -$350 | -31.5% |
| Virginia | $666 | -$446 | -40.1% |
| Washington | $858 | -$254 | -22.8% |
| West Virginia | $1,018 | -$94 | -8.5% |
| Wisconsin | $770 | -$342 | -30.8% |
| Wyoming | $990 | -$122 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura TL 3.5 | $1,090 | $91 |
| Acura TL 3.5 W/Technology Package | $1,112 | $93 |
| Acura TL 3.7 SH AWD | $1,112 | $93 |
| Acura TL 3.7 SH W/Technology Package AWD | $1,134 | $95 |
Rates assume 2013 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 |
|---|---|---|---|---|
| 2014 Acura TL | $194 | $316 | $474 | $1,142 |
| 2013 Acura TL | $190 | $286 | $478 | $1,112 |
| 2012 Acura TL | $176 | $262 | $474 | $1,070 |
| 2011 Acura TL | $166 | $238 | $474 | $1,036 |
| 2010 Acura TL | $162 | $214 | $468 | $1,002 |
| 2009 Acura TL | $158 | $208 | $460 | $984 |
| 2007 Acura TL | $142 | $190 | $446 | $936 |
| 2006 Acura TL | $138 | $180 | $442 | $918 |
Rates are averaged for all Acura TL 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 Cheaper Acura TL Insurance
Finding better rates on insurance for an Acura TL consists of having a good driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every other policy renewal by quoting rates from direct carriers, and also from local insurance agents.
The next list is a condensed summary of the ideas that were touched on in this article.
- Drivers age 20 and younger pay higher prices, as much as $368 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,290 more each year to buy Acura TL insurance
- Increasing policy deductibles could save up to $325 each year
- Drivers can save as much as $130 per year just by quoting online in advance
Whether you want to know how much does a 2004 or 2012 Acura TL cost to insure or how much is a 2008 Acura TL to insure, use a rate comparison tool to find savings.
Enter your ZIP code in our free tool below to find the best Acura TL insurance rates, such as a 2003 Acura TL price range.
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What are the safety ratings of the Acura TL?
Is an Acura TL a good car? The Acura TL is light on safety features, as it only has basic features like brake assist, electronic stability control, and traction control. However, despite the lack of advanced safety features, the Acura TL still won a 2014 Top Safety Pick award from the Insurance Institute for Highway Safety (IIHS).
Below is a breakdown of the 2014 Acura TL’s crash test ratings.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The IIHS video below shows one of the crash tests for the Acura TL.
Acura TL Compared Against Other Vehicles in the Same Class
The Acura TL is a midsize, luxury car. Because it is a luxury vehicle, insurers may charge Acura TL drivers more. Why? Luxury cars are more prone to crashing, due to the more powerful engines and the tendency of drivers to speed in luxury or sports cars. To see how the Acura TL insurance rates compare to other midsize luxury cars, take a look at the list below.
To jump right into finding savings for an Acura TL in your area, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,410 |
| 20 | $2,552 |
| 30 | $1,136 |
| 40 | $1,112 |
| 50 | $1,020 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,112 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,112 |
| 50/100 | $1,230 |
| 100/300 | $1,349 |
| 250/500 | $1,660 |
| 100 CSL | $1,277 |
| 300 CSL | $1,540 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,236 |
| 20 | $4,072 |
| 30 | $2,428 |
| 40 | $2,400 |
| 50 | $2,296 |
| 60 | $2,274 |
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 | $57 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $449 |
Discounts are estimated and may not be available from every company or in every state.
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