Acura TL 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...

Insurance Lawyer

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.

The average auto insurance rates for an Acura TL are $1,142 annually including full coverage. Comprehensive insurance costs an estimated $194 a year, collision costs $316, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing $2,470 or more. Teen drivers cost the most to insure at $4,512 a year or more.

Average premium for full coverage: $1,142

Policy rates broken down by type of insurance:

Comprehensive $194
Collision $316
Liability $474

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and TL trim levels.

Price Range Variability

Using a middle-aged driver as an example, Acura TL insurance rates go from as cheap as $522 for just the minimum liability insurance to a high of $2,470 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,142
High Risk $2,470

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

Rural Areas $857
Small Cities $1,199
Large Cities $1,542

The examples above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using 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.

Additional Rate Analysis

The chart below breaks down estimated Acura TL insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $677
  • Raising to $1,000 deductibles will save approximately $1,026 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,142
  • Choosing low $100 deductibles costs an additional $224 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $2,470 or more
  • Policy cost with full coverage for a teen driver can cost as much as $4,512

View Chart as Image

Acura TL insurance cost comparison chart
Column chart showing full coverage Acura TL insurance prices range from $677 to $4,512

Auto insurance rates for an Acura TL also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $340 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Acura TL insurance prices. A middle-age driver might find rates as low as $880 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,630 on average in Louisiana, New York, and Michigan.

Acura TL Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,032 -$110 -9.6%
Alaska $876 -$266 -23.3%
Arizona $948 -$194 -17.0%
Arkansas $1,142 -$0 0.0%
California $1,302 $160 14.0%
Colorado $1,090 -$52 -4.6%
Connecticut $1,174 $32 2.8%
Delaware $1,292 $150 13.1%
Florida $1,430 $288 25.2%
Georgia $1,052 -$90 -7.9%
Hawaii $820 -$322 -28.2%
Idaho $772 -$370 -32.4%
Illinois $850 -$292 -25.6%
Indiana $858 -$284 -24.9%
Iowa $770 -$372 -32.6%
Kansas $1,088 -$54 -4.7%
Kentucky $1,558 $416 36.4%
Louisiana $1,688 $546 47.8%
Maine $704 -$438 -38.4%
Maryland $940 -$202 -17.7%
Massachusetts $914 -$228 -20.0%
Michigan $1,984 $842 73.7%
Minnesota $956 -$186 -16.3%
Mississippi $1,368 $226 19.8%
Missouri $1,014 -$128 -11.2%
Montana $1,226 $84 7.4%
Nebraska $900 -$242 -21.2%
Nevada $1,370 $228 20.0%
New Hampshire $822 -$320 -28.0%
New Jersey $1,276 $134 11.7%
New Mexico $1,010 -$132 -11.6%
New York $1,204 $62 5.4%
North Carolina $658 -$484 -42.4%
North Dakota $936 -$206 -18.0%
Ohio $788 -$354 -31.0%
Oklahoma $1,174 $32 2.8%
Oregon $1,044 -$98 -8.6%
Pennsylvania $1,090 -$52 -4.6%
Rhode Island $1,522 $380 33.3%
South Carolina $1,034 -$108 -9.5%
South Dakota $964 -$178 -15.6%
Tennessee $1,000 -$142 -12.4%
Texas $1,376 $234 20.5%
Utah $846 -$296 -25.9%
Vermont $784 -$358 -31.3%
Virginia $682 -$460 -40.3%
Washington $884 -$258 -22.6%
West Virginia $1,044 -$98 -8.6%
Wisconsin $790 -$352 -30.8%
Wyoming $1,018 -$124 -10.9%

View Chart as Image

Acura TL insurance rates by U.S. city

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Acura TL Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura TL 3.5 $1,118 $93
Acura TL 3.5 W/Technology Package $1,142 $95
Acura TL 3.7 SH AWD $1,142 $95
Acura TL 3.7 SH W/Technology Package AWD $1,164 $97

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.

Acura TL Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2014 Acura TL $210 $340 $474 $1,182
2013 Acura TL $194 $316 $474 $1,142
2012 Acura TL $190 $286 $478 $1,112
2011 Acura TL $176 $262 $474 $1,070
2010 Acura TL $166 $238 $474 $1,036
2009 Acura TL $162 $214 $468 $1,002
2007 Acura TL $156 $198 $452 $964
2006 Acura TL $142 $190 $446 $936
2005 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 Low Cost Acura TL Insurance

Finding cheaper rates on car insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a review of the car insurance concepts touched on in the above illustrations.

  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,330 more annually than a safer driver
  • You may be able to save approximately $130 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $350 each year
  • Policyholders who want an increased level of liability coverage will pay about $520 per year to raise from a 30/60 limit to higher 250/500 limits

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

  1. https://www.iihs.org/ratings/vehicle/acura/tl-4-door-sedan/2014

Rates by Driver Age

Acura TL Insurance Rates by Driver Age
Driver Age Premium
16 $4,512
20 $2,630
30 $1,170
40 $1,142
50 $1,048
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

Acura TL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,262
$500 $1,142
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Acura TL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,142
50/100 $1,259
100/300 $1,377
250/500 $1,685
100 CSL $1,306
300 CSL $1,567
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Acura TL Insurance Rates for High Risk Drivers
Age Premium
16 $6,386
20 $4,196
30 $2,502
40 $2,470
50 $2,362
60 $2,338

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $53
Online Quote $79
Total Discounts $465
Rate after discounts $677

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

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