Acura TL Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 4, 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.
The average auto insurance rates for an Acura TL are $1,112 annually including full coverage. Comprehensive insurance costs approximately $190, collision costs $286, and liability insurance is $478. Liability-only coverage costs around $526 a year, with high-risk coverage costing $2,400 or more. Teens cost the most to insure at $4,410 a year or more.
Average premium for full coverage: $1,112
Policy rates by type of insurance:
Prices include $500 physical damage 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 for all TL models.
Price Range Variability
For a 40-year-old driver, Acura TL insurance rates go from as cheap as $526 for basic liability insurance to the much higher price of $2,400 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance prices.
The examples above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.
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 and risk scenarios.
- The cheapest rate after discounts is $663
- Raising to $1,000 deductibles will save $108 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,112
- Selecting pricier low deductibles costs an additional $208 a year
- Higher-risk drivers with serious driving violations could pay around $2,400 or more
- Policy cost with full coverage for a teen driver for full coverage can cost $4,410
Insurance rates for an Acura TL also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,300 to $1,900 additional every year, depending on your age. Acura TL insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $320 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Acura TL insurance rates. A middle-age driver might find rates as low as $850 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,590 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,006 | -$106 | -9.5% |
| Alaska | $854 | -$258 | -23.2% |
| Arizona | $924 | -$188 | -16.9% |
| Arkansas | $1,112 | -$0 | 0.0% |
| California | $1,266 | $154 | 13.8% |
| Colorado | $1,064 | -$48 | -4.3% |
| Connecticut | $1,142 | $30 | 2.7% |
| Delaware | $1,258 | $146 | 13.1% |
| Florida | $1,392 | $280 | 25.2% |
| Georgia | $1,026 | -$86 | -7.7% |
| Hawaii | $798 | -$314 | -28.2% |
| Idaho | $752 | -$360 | -32.4% |
| Illinois | $830 | -$282 | -25.4% |
| Indiana | $838 | -$274 | -24.6% |
| Iowa | $750 | -$362 | -32.6% |
| Kansas | $1,058 | -$54 | -4.9% |
| Kentucky | $1,516 | $404 | 36.3% |
| Louisiana | $1,644 | $532 | 47.8% |
| Maine | $686 | -$426 | -38.3% |
| Maryland | $916 | -$196 | -17.6% |
| Massachusetts | $890 | -$222 | -20.0% |
| Michigan | $1,932 | $820 | 73.7% |
| Minnesota | $930 | -$182 | -16.4% |
| Mississippi | $1,332 | $220 | 19.8% |
| Missouri | $986 | -$126 | -11.3% |
| Montana | $1,196 | $84 | 7.6% |
| Nebraska | $878 | -$234 | -21.0% |
| Nevada | $1,332 | $220 | 19.8% |
| New Hampshire | $800 | -$312 | -28.1% |
| New Jersey | $1,244 | $132 | 11.9% |
| New Mexico | $984 | -$128 | -11.5% |
| New York | $1,170 | $58 | 5.2% |
| North Carolina | $640 | -$472 | -42.4% |
| North Dakota | $910 | -$202 | -18.2% |
| Ohio | $768 | -$344 | -30.9% |
| Oklahoma | $1,142 | $30 | 2.7% |
| Oregon | $1,018 | -$94 | -8.5% |
| Pennsylvania | $1,060 | -$52 | -4.7% |
| Rhode Island | $1,484 | $372 | 33.5% |
| South Carolina | $1,006 | -$106 | -9.5% |
| South Dakota | $938 | -$174 | -15.6% |
| Tennessee | $974 | -$138 | -12.4% |
| Texas | $1,340 | $228 | 20.5% |
| Utah | $824 | -$288 | -25.9% |
| Vermont | $762 | -$350 | -31.5% |
| Virginia | $666 | -$446 | -40.1% |
| Washington | $858 | -$254 | -22.8% |
| West Virginia | $1,018 | -$94 | -8.5% |
| Wisconsin | $770 | -$342 | -30.8% |
| Wyoming | $990 | -$122 | -11.0% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura TL 3.5 | $1,090 | $91 |
| Acura TL 3.5 W/Technology Package | $1,112 | $93 |
| Acura TL 3.7 SH AWD | $1,112 | $93 |
| Acura TL 3.7 SH W/Technology Package AWD | $1,134 | $95 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2014 Acura TL | $194 | $316 | $474 | $1,142 |
| 2013 Acura TL | $190 | $286 | $478 | $1,112 |
| 2012 Acura TL | $176 | $262 | $474 | $1,070 |
| 2011 Acura TL | $166 | $238 | $474 | $1,036 |
| 2010 Acura TL | $162 | $214 | $468 | $1,002 |
| 2009 Acura TL | $158 | $208 | $460 | $984 |
| 2007 Acura TL | $142 | $190 | $446 | $936 |
| 2006 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 Right Acura TL Insurance
Finding cheaper rates on Acura TL insurance consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a quick rundown of the ideas that were illustrated above.
- Teenage drivers are the costliest to insure, with premiums being up to $368 each month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,290 more per year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $325 each year
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
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 | $4,410 |
| 20 | $2,552 |
| 30 | $1,136 |
| 40 | $1,112 |
| 50 | $1,020 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,112 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,112 |
| 50/100 | $1,230 |
| 100/300 | $1,349 |
| 250/500 | $1,660 |
| 100 CSL | $1,277 |
| 300 CSL | $1,540 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,236 |
| 20 | $4,072 |
| 30 | $2,428 |
| 40 | $2,400 |
| 50 | $2,296 |
| 60 | $2,274 |
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 | $57 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $449 |
Discounts are estimated and may not be available from every company or in every state.
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