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.
Average insurance prices for an Acura TL are $1,142 every 12 months for full coverage. Comprehensive insurance costs around $194, collision insurance costs $316, and liability coverage is estimated at $474. Liability-only coverage costs approximately $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 for individual coverage type:
Includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all TL models.
Price Range by Coverage and Risk
For the normal driver, prices range range from the cheapest price of $522 for just liability coverage to the much higher price of $2,470 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.
These examples show why everyone should get quotes for a specific zip code and their own driving history, 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.
Detailed Rate Analysis
The chart below shows average Acura TL insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $677
- Choosing higher $1,000 deductibles can save about $116 a year
- The average price for a 40-year-old driver using $500 deductibles is $1,142
- Selecting pricier low deductibles for comp and collision coverage costs an extra $224 each year
- Drivers with serious driving violations could pay at least $2,470
- The cost to insure a teenage driver for full coverage can be $4,512 each year
Car insurance rates for an Acura TL can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $340 a year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at least $1,400 to $1,900 extra per year, depending on your age. Acura TL insurance for high-risk drivers ranges around 42% to 136% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Acura TL insurance rates. A good driver about age 40 could pay as low as $750 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,630 on average in Michigan, Louisiana, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Cheapest Acura TL Insurance
Saving money on auto insurance takes avoiding accidents and claims, maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to compare rates every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a recap of the coverage data presented in the illustrations above.
- Drivers can save up to $130 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $350 each year
- Drivers under the age of 20 are the costliest to insure, costing as high as $376 per month if the policy includes full coverage
- Drivers that have major violations or accidents may pay on average $1,330 more every year to insure an Acura TL
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 | $4,512 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,142 |
| 50 | $1,048 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,262 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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