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...

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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 insurance rates for an Acura TL are $1,142 a year for full coverage. Comprehensive insurance costs approximately $194, collision insurance costs $316, and liability is estimated at $474. A policy with only liability insurance costs approximately $522 a year, and a high-risk policy costs $2,470 or more. 16-year-old drivers pay the most at up to $4,512 a year.

Average premium for full coverage: $1,142

Premium estimates by type of coverage:

Comprehensive $194
Collision $316
Liability $474

Price estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for all TL models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Acura TL range from the low end price of $522 for minimum levels of liability insurance to the much higher price of $2,470 for a policy for a high-risk driver.

Liability Only $522
Full Coverage $1,142
High Risk $2,470

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities. The example below illustrates how location helps determine auto insurance prices.

Rural Areas $857
Small Cities $1,199
Large Cities $1,542

These rate differences show why everyone should get quotes using their 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.

Additional Rate Details

The chart below shows average Acura TL insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $677
  • Choosing higher $1,000 deductibles can save $116 a year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,142
  • Buying pricier low deductibles for comp and collision coverage will cost an additional $224 every year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,470
  • An auto insurance policy that insures a teen driver for full coverage can cost $4,512 each year

View Chart as Image

Acura TL insurance cost comparison chart
Column chart showing Acura TL insurance prices range from $677 to $4,512 for full coverage

Car insurance prices for an Acura TL also have a wide range based on the model of your TL, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. Acura TL insurance for high-risk drivers ranges as much as 42% to 136% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,500 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Acura TL insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Iowa, Maine, and Idaho, or at least $1,630 on average in New York, Louisiana, and Michigan.

Acura TL Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,032 -$110 -9.6%
Alaska $876 -$266 -23.3%
Arizona $948 -$194 -17.0%
Arkansas $1,142 -$0 0.0%
California $1,302 $160 14.0%
Colorado $1,090 -$52 -4.6%
Connecticut $1,174 $32 2.8%
Delaware $1,292 $150 13.1%
Florida $1,430 $288 25.2%
Georgia $1,052 -$90 -7.9%
Hawaii $820 -$322 -28.2%
Idaho $772 -$370 -32.4%
Illinois $850 -$292 -25.6%
Indiana $858 -$284 -24.9%
Iowa $770 -$372 -32.6%
Kansas $1,088 -$54 -4.7%
Kentucky $1,558 $416 36.4%
Louisiana $1,688 $546 47.8%
Maine $704 -$438 -38.4%
Maryland $940 -$202 -17.7%
Massachusetts $914 -$228 -20.0%
Michigan $1,984 $842 73.7%
Minnesota $956 -$186 -16.3%
Mississippi $1,368 $226 19.8%
Missouri $1,014 -$128 -11.2%
Montana $1,226 $84 7.4%
Nebraska $900 -$242 -21.2%
Nevada $1,370 $228 20.0%
New Hampshire $822 -$320 -28.0%
New Jersey $1,276 $134 11.7%
New Mexico $1,010 -$132 -11.6%
New York $1,204 $62 5.4%
North Carolina $658 -$484 -42.4%
North Dakota $936 -$206 -18.0%
Ohio $788 -$354 -31.0%
Oklahoma $1,174 $32 2.8%
Oregon $1,044 -$98 -8.6%
Pennsylvania $1,090 -$52 -4.6%
Rhode Island $1,522 $380 33.3%
South Carolina $1,034 -$108 -9.5%
South Dakota $964 -$178 -15.6%
Tennessee $1,000 -$142 -12.4%
Texas $1,376 $234 20.5%
Utah $846 -$296 -25.9%
Vermont $784 -$358 -31.3%
Virginia $682 -$460 -40.3%
Washington $884 -$258 -22.6%
West Virginia $1,044 -$98 -8.6%
Wisconsin $790 -$352 -30.8%
Wyoming $1,018 -$124 -10.9%

View Chart as Image

Acura TL insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $340 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,118 $93
Acura TL 3.5 W/Technology Package $1,142 $95
Acura TL 3.7 SH AWD $1,142 $95
Acura TL 3.7 SH W/Technology Package AWD $1,164 $97

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 $210 $340 $474 $1,182
2013 Acura TL $194 $316 $474 $1,142
2012 Acura TL $190 $286 $478 $1,112
2011 Acura TL $176 $262 $474 $1,070
2010 Acura TL $166 $238 $474 $1,036
2009 Acura TL $162 $214 $468 $1,002
2007 Acura TL $156 $198 $452 $964
2006 Acura TL $142 $190 $446 $936
2005 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 Cheaper Acura TL Insurance

Finding better rates on car insurance takes not taking risks behind the wheel, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following is a condensed summary of the coverage data covered in the charts and tables above.

  • Drivers can save around $130 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $350 each year
  • Teens pay the highest auto insurance prices, as much as $376 per month if full coverage is purchased
  • Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,330 more per year for TL 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

  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 $4,512
20 $2,630
30 $1,170
40 $1,142
50 $1,048
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

Acura TL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,262
$500 $1,142
$1,000 $1,026

Full coverage, driver age 40

Rates by Liability Limit

Acura TL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,142
50/100 $1,259
100/300 $1,377
250/500 $1,685
100 CSL $1,306
300 CSL $1,567
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

Acura TL Insurance Rates for High Risk Drivers
Age Premium
16 $6,386
20 $4,196
30 $2,502
40 $2,470
50 $2,362
60 $2,338

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $53
Online Quote $79
Total Discounts $465
Rate after discounts $677

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

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