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 insurance rates for an Acura TL are $1,182 a year including full coverage. Comprehensive costs around $210 each year, collision costs $340, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,556. Teenage drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,182

Policy rates for type of insurance:

Comprehensive $210
Collision $340
Liability $474

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and TL models.

Price Range Variability

For the average 40-year-old driver, Acura TL insurance rates go from as low as $522 for basic liability insurance to a high rate of $2,556 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,182
High Risk $2,556

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, instead of using average rates.

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.

Rate Comparisons

The chart below breaks down estimated Acura TL insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $697
  • Choosing higher $1,000 deductibles can save about $126 every year
  • The average rate for a good driver age 40 using $500 deductibles is $1,182
  • Using low deductibles for comp and collision coverage will increase the cost to $1,422
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,556 or more
  • Policy cost for full coverage for a teen driver can be $4,630 each year

View Chart as Image

Acura TL insurance cost comparison chart
Column chart showing full coverage Acura TL insurance rates range from $697 to $4,630

Auto insurance rates for an Acura TL also range considerably based on your risk profile, the model of your TL, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Acura TL insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.

Acura TL Insurance Rates by State
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%

View Chart as Image

Acura TL insurance rates by U.S. city

Using high physical damage deductibles can save as much as $370 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 $1,156 $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.

Acura TL Insurance Rates by Model Year
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 Find the Cheapest Acura TL Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a recap of the ideas that were touched on in this article.

  • Teen drivers are expensive to insure, with premiums being up to $386 each month if they have full coverage
  • Higher risk drivers that have major violations or accidents pay on average $1,370 more every year to insure their TL
  • Increasing comprehensive and collision deductibles can save around $375 each year
  • You may be able to save up to $140 per year simply by quoting online in advance

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 $4,630
20 $2,718
30 $1,214
40 $1,182
50 $1,082
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

Acura TL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,422
$250 $1,310
$500 $1,182
$1,000 $1,056

Full coverage, driver age 40

Rates by Liability Limit

Acura TL Insurance Rates with Different Liability Limits
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

Acura TL Insurance 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.

SR-22 Surcharge $163

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
Rate after discounts $697

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

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