Acura TL Insurance Rates

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Compare 2012 Acura TL Insurance Quotes in 2025

Shoppers have a choice when shopping for affordable Acura TL insurance. They can either waste time driving around to get rate comparisons or use the internet to get rate quotes. There is a right way and a wrong way to compare insurance coverage rates and we'll show you the absolute fastest way to price shop coverage for a Acura and find the best price possible. Buy car insurance online All the lar...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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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.

Average insurance rates for an Acura TL are $1,142 a year for full coverage insurance. Comprehensive insurance costs approximately $194, collision insurance costs $316, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,470 or more. Teens receive the highest rates at up to $4,512 a year.

Average premium for full coverage: $1,142

Rate estimates by individual coverage type:

Comprehensive $194
Collision $316
Liability $474

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different TL trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,470 for a high-risk insurance policy.

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

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

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

These examples illustrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using averaged prices.

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 illustrates average Acura TL insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $677
  • Drivers who choose higher $1,000 deductibles will pay $116 each year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,142
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $224 each year
  • High-risk insureds with serious driving violations could pay around $2,470
  • The cost for full coverage for a teenage driver with full coverage can cost $4,512 a year

View Chart as Image

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

Car insurance rates for an Acura TL can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

Where you live makes a big difference in Acura TL insurance rates. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,540 on average in Florida, 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

Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can cost around 42% to 136% more than the average policy. View High Risk Driver Rates

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 Find Cheap Acura TL Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the car insurance concepts covered in the above illustrations.

  • Drivers that tend to have accidents or serious violations may pay on average $1,330 more per year than a low-risk driver
  • It is possible to save around $130 per year just by shopping early and online
  • Increasing deductibles can save around $350 each year
  • Consumers who purchase more liability protection will pay approximately $520 annually to go from a minimum limit to 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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