Acura TL Insurance Rates
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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.
The average auto insurance rates for an Acura TL are $1,182 annually including full coverage. Comprehensive costs an estimated $210, collision insurance costs $340, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,556. Teen drivers cost the most to insure at up to $4,630 a year.
Average premium for full coverage: $1,182
Policy rates broken down by type of insurance:
Prices include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all TL models.
Price Range Variability
For the normal driver, Acura TL insurance rates range from as cheap as $522 for liability-only coverage to the much higher price of $2,556 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.
The examples above highlight why everyone should compare prices for a targeted area and their own personal driving habits, rather than relying on 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 Charts and Tables
The chart below breaks down average Acura TL insurance rates for other coverage scenarios.
- The lowest rate with discounts is $697
- Using higher $1,000 deductibles will save approximately $126 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,182
- Choosing pricier low deductibles for physical damage coverage will cost $1,422
- Drivers with multiple violations and an at-fault accident could pay up to $2,556
- Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,630 or more
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.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,600 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 $2,000 additional every year, depending on your age. Acura TL insurance for high-risk drivers can be anywhere from 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $370 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Acura TL insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,690 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,068 | -$114 | -9.6% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,214 | $32 | 2.7% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,480 | $298 | 25.2% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $878 | -$304 | -25.7% |
| Indiana | $888 | -$294 | -24.9% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $730 | -$452 | -38.2% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,080 | -$102 | -8.6% |
| Pennsylvania | $1,128 | -$54 | -4.6% |
| Rhode Island | $1,574 | $392 | 33.2% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,034 | -$148 | -12.5% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,084 | -$98 | -8.3% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,054 | -$128 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura TL 3.5 | $1,156 | $96 |
| Acura TL 3.5 W/Technology Package | $1,182 | $99 |
| Acura TL 3.7 SH AWD | $1,182 | $99 |
| Acura TL 3.7 SH W/Technology Package AWD | $1,208 | $101 |
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 | $216 | $364 | $464 | $1,202 |
| 2013 Acura TL | $210 | $340 | $474 | $1,182 |
| 2012 Acura TL | $194 | $316 | $474 | $1,142 |
| 2011 Acura TL | $190 | $286 | $478 | $1,112 |
| 2010 Acura TL | $176 | $262 | $474 | $1,070 |
| 2009 Acura TL | $166 | $238 | $474 | $1,036 |
| 2007 Acura TL | $158 | $208 | $460 | $984 |
| 2006 Acura TL | $156 | $198 | $452 | $964 |
| 2005 Acura TL | $142 | $190 | $446 | $936 |
| 2004 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 the Right Acura TL Insurance
Finding cheaper rates on Acura TL insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a quick rundown of the data presented in the illustrations above.
- Drivers who want higher liability limits will pay about $520 per year to increase from a 30/60 limit to higher 250/500 limits
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $375 each year
- Teens are expensive to insure, with premiums being up to $386 each month if they have full coverage
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 | $4,630 |
| 20 | $2,718 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,310 |
| $500 | $1,182 |
| $1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,303 |
| 100/300 | $1,421 |
| 250/500 | $1,729 |
| 100 CSL | $1,350 |
| 300 CSL | $1,611 |
| 500 CSL | $1,801 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,560 |
| 20 | $4,336 |
| 30 | $2,590 |
| 40 | $2,556 |
| 50 | $2,444 |
| 60 | $2,418 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $485 |
Discounts are estimated and may not be available from every company or in every state.
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