Acura TL Insurance Rates
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UPDATED: Jun 3, 2023
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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 insurance rates for an Acura TL are $918 a year with full coverage. Comprehensive costs on average $138, collision insurance costs $180, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,972. 16-year-old drivers pay the most at up to $3,752 a year.
Average premium for full coverage: $918
Premium estimates by type of coverage:
Prices include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all TL models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for an Acura TL range from the low end price of $496 for just liability coverage to the much higher price of $1,972 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities. The example below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why everyone should compare rates quotes based on a specific location, instead of using rate 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.
Detailed Rate Analysis
The chart below details average Acura TL insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $564
- Raising to $1,000 deductibles will save around $74 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $918
- Buying pricier low deductibles bumps up the cost to $1,054
- At-risk drivers with multiple tickets or accidents could pay upwards of $1,972
- An auto insurance policy that insures a teen driver for full coverage may cost $3,752
Insurance prices for an Acura TL also have a wide range based on the model of your TL, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,100 to $1,600 extra annually, depending on your age. Acura TL insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $3,700 a year. View Rates by Age
Where you choose to live also has a big influence on Acura TL insurance prices. A middle-age driver might find prices as low as $660 a year in states like New Hampshire, Ohio, and Utah, or at least $1,240 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $210 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 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 Right Acura TL Insurance
Finding better rates on car insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and determing if full coverage is necessary. Comparison shop every year by requesting rates from direct companies, and also from several local insurance agents.
Below is a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save as much as $100 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $200 each year
- Teenage drivers pay the highest prices, possibly costing $313 per month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,050 more each year for auto insurance
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 | $3,752 |
| 20 | $2,102 |
| 30 | $930 |
| 40 | $918 |
| 50 | $844 |
| 60 | $826 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,054 |
| $250 | $992 |
| $500 | $918 |
| $1,000 | $844 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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