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: 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.

The average insurance rates for an Acura TL are $918 a year for full coverage insurance. Comprehensive insurance costs approximately $138, collision costs $180, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $1,972 or more. 16-year-old drivers cost the most to insure at $3,752 a year or more.

Average premium for full coverage: $918

Policy rates by type of insurance:

Comprehensive $138
Collision $180
Liability $442

Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different TL trim levels.

Price Range Variability

For a driver around age 40, Acura TL insurance rates go from as low as $496 for a discount liability-only rate to a much higher rate of $1,972 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

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

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, 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.

Rates by State, City, and Model

The chart below illustrates estimated Acura TL insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $564
  • Raising to $1,000 deductibles will save $74 each year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $918
  • Buying more expensive low deductibles will cost an extra $136 every year
  • At-risk drivers with multiple tickets or accidents could pay around $1,972 or more
  • Policy cost for full coverage for a teen driver with full coverage can cost $3,752

View Chart as Image

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

Insurance rates for an Acura TL also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $3,700 a year. View Rates by Age

Your home state also has a big influence on Acura TL insurance prices. A middle-age driver might find rates as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,240 on average in Florida, New York, 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

Opting for high physical damage deductibles can reduce rates by up to $210 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.

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 $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 Affordable Acura TL Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the ideas that were covered above.

  • Teens are expensive to insure, possibly costing $313 each month for full coverage
  • Higher risk drivers with DUI or reckless driving convictions may pay on average $1,050 more per year for TL insurance
  • Increasing comprehensive and collision deductibles can save around $200 each year
  • It is possible to save around $100 per year simply by shopping early and online

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 $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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