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 insurance. Comprehensive costs around $190, collision insurance costs $286, and liability coverage costs around $478. A liability-only policy costs as low as $526 a year, and high-risk insurance costs around $2,400. Teens pay the most at up to $4,410 a year.
Average premium for full coverage: $1,112
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different TL trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for an Acura TL range from as cheap as $526 for minimum levels of liability insurance to a much higher rate of $2,400 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, 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 choices and driver risks.
- The cheapest rate after discounts is $663
- Using higher $1,000 deductibles will save about $108 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,112
- Selecting more expensive low deductibles for physical damage coverage will cost $1,320
- Higher-risk drivers with serious driving violations could pay at least $2,400
- An auto insurance policy with full coverage for a teenage driver with full coverage can be $4,410 or more
Auto insurance prices for an Acura TL also have a wide range based on the model of your TL, your risk profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,300 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can be around 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $320 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Acura TL insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,500 on average in Michigan, New York, and Florida.
| 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 Affordable Acura TL Insurance
Finding better rates on auto insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies, and also from several local insurance agents.
The points below are a brief review of the material that was touched on above.
- Consumers who may need increased liability limits will pay approximately $530 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- Drivers under the age of 20 are expensive to insure, with premiums being up to $368 per month if full coverage is included
- Drivers with DUI or reckless driving convictions pay on average $1,290 more every year to insure an Acura TL
- Increasing policy deductibles could save up to $325 each year
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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