Acura TL Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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 | $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.
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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