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: Jan 24, 2020

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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.

U.S. average auto insurance rates for an Acura TL are $918 annually for full coverage. Comprehensive costs an estimated $138 each year, collision costs $180, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $1,972. Teenage drivers pay the highest rates at $3,752 a year or more.

Average premium for full coverage: $918

Price estimates broken down by individual coverage:

Comprehensive $138
Collision $180
Liability $442

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and TL models.

Price Range from Low to High

For an average driver, Acura TL insurance prices go from as cheap as $496 for a discount liability-only rate to a high rate of $1,972 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $918
High Risk $1,972

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $689
Small Cities $964
Large Cities $1,239

The ranges above show why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on 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.

Rates by State, City, and Model

The chart below shows estimated Acura TL insurance rates for other coverage scenarios.

  • The best discount rate is $564
  • Raising to $1,000 deductibles will save approximately $74 a year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $918
  • Using low deductibles will cost $1,054
  • Higher-risk drivers who are prone to accidents and violations could pay up to $1,972 or more
  • The price with full coverage for a teen driver can cost as much as $3,752

View Chart as Image

Acura TL insurance cost comparison chart
Column chart showing full coverage Acura TL insurance rates range from $564 to $3,752

Auto insurance prices for an Acura TL are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $3,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,100 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $210 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Acura TL insurance rates. A middle-age driver might find prices as low as $610 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,310 on average in New York, Louisiana, and Michigan.

Acura TL Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $830 -$88 -9.6%
Alaska $706 -$212 -23.1%
Arizona $762 -$156 -17.0%
Arkansas $918 -$0 0.0%
California $1,046 $128 13.9%
Colorado $878 -$40 -4.4%
Connecticut $944 $26 2.8%
Delaware $1,038 $120 13.1%
Florida $1,148 $230 25.1%
Georgia $848 -$70 -7.6%
Hawaii $658 -$260 -28.3%
Idaho $622 -$296 -32.2%
Illinois $684 -$234 -25.5%
Indiana $692 -$226 -24.6%
Iowa $620 -$298 -32.5%
Kansas $872 -$46 -5.0%
Kentucky $1,252 $334 36.4%
Louisiana $1,360 $442 48.1%
Maine $564 -$354 -38.6%
Maryland $758 -$160 -17.4%
Massachusetts $736 -$182 -19.8%
Michigan $1,596 $678 73.9%
Minnesota $768 -$150 -16.3%
Mississippi $1,098 $180 19.6%
Missouri $814 -$104 -11.3%
Montana $986 $68 7.4%
Nebraska $724 -$194 -21.1%
Nevada $1,102 $184 20.0%
New Hampshire $662 -$256 -27.9%
New Jersey $1,026 $108 11.8%
New Mexico $812 -$106 -11.5%
New York $968 $50 5.4%
North Carolina $530 -$388 -42.3%
North Dakota $750 -$168 -18.3%
Ohio $636 -$282 -30.7%
Oklahoma $944 $26 2.8%
Oregon $840 -$78 -8.5%
Pennsylvania $876 -$42 -4.6%
Rhode Island $1,226 $308 33.6%
South Carolina $830 -$88 -9.6%
South Dakota $776 -$142 -15.5%
Tennessee $804 -$114 -12.4%
Texas $1,106 $188 20.5%
Utah $680 -$238 -25.9%
Vermont $628 -$290 -31.6%
Virginia $550 -$368 -40.1%
Washington $710 -$208 -22.7%
West Virginia $840 -$78 -8.5%
Wisconsin $636 -$282 -30.7%
Wyoming $818 -$100 -10.9%

View Chart as Image

Acura TL insurance rates by U.S. city

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 $902 $75
Acura TL 3.5 W/Technology Package $918 $77
Acura TL 3.7 SH AWD $918 $77
Acura TL 3.7 SH W/Technology Package AWD $932 $78

Rates assume 1999 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
2011 Acura TL $194 $316 $474 $1,142
2010 Acura TL $190 $286 $478 $1,112
2009 Acura TL $176 $262 $474 $1,070
2007 Acura TL $162 $214 $468 $1,002
2006 Acura TL $158 $208 $460 $984
2005 Acura TL $156 $198 $452 $964
2004 Acura TL $142 $190 $446 $936
2003 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 Best Cheap Acura TL Insurance

Getting lower rates on Acura TL insurance consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the ideas that were covered in the above illustrations.

  • Teenage drivers are the costliest to insure, with premiums as much as $313 a month if full coverage is included
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,050 more annually for auto insurance
  • Increasing physical damage deductibles could save up to $200 each year
  • Drivers can save approximately $100 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.



Rates by Driver Age

Acura TL Insurance Rates by Driver Age
Driver Age Premium
16 $3,752
20 $2,102
30 $930
40 $918
50 $844
60 $826

Full coverage, $500 deductibles

Rates by Deductible

Acura TL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,054
$250 $992
$500 $918
$1,000 $844

Full coverage, driver age 40

Rates by Liability Limit

Acura TL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $918
50/100 $1,020
100/300 $1,131
250/500 $1,418
100 CSL $1,065
300 CSL $1,308
500 CSL $1,485

Full coverage, driver age 40

Rates for High Risk Drivers

Acura TL Insurance Rates for High Risk Drivers
Age Premium
16 $5,268
20 $3,348
30 $1,982
40 $1,972
50 $1,888
60 $1,868

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 $122

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $39
Online Quote $61
Total Discounts $354
Rate after discounts $564

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

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