2019 Acura RLX Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for an 2019 Acura RLX are $1,724 a year including full coverage. Comprehensive costs an estimated $394, collision costs $774, and liability insurance costs $398. Buying a liability-only policy costs as little as $460 a year, with high-risk insurance costing around $3,750. Teen drivers receive the highest rates at $6,254 a year or more.
Annual premium for full coverage: $1,724
Rate estimates for 2019 Acura RLX Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Acura RLX models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $460 for just liability coverage to a much higher rate of $3,750 for high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Acura RLX Insurance
Nobody that owns a car fancies paying their premiums for car insurance, especially when they are aware that the prices are way too high. Companies like Allstate, Liberty Mutual and State Farm all claim big savings with ads and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.
If you have a policy now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to understand the best way to shop on the web.
How much is insurance coverage?
There are a lot of ways to compare insurance coverage quotes, but there is one way that is more efficient than others. You could spend your day talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.
Many companies participate in a marketplace where prospective buyers submit their information once, and at least one company returns a rated price based on that data. This eliminates the need for quote requests for every insurance coverage company.
To find out how much you can save on insurance coverage enter your zip code here.
The single downside to doing it this way is you don’t know exactly which companies you will receive quotes from. If you wish to select individual companies to compare rates, we have a page of companies who write insurance coverage in your area. Click to enter zip code.
Whichever way you use, make sure you are using nearly identical coverages for each price quote. If you have different limits and deductibles on each one then you won’t be able to determine the lowest rate for your Acura RLX.
More discounts mean cheap premiums
Companies don’t necessarily list all their discounts in an easy-to-find place, so here is a list some of the more common in addition to some of the lesser obvious credits available to you.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more on medical payment and PIP coverage.
- Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
- Homeowners Savings – Owning your own home or condo may trigger a policy discount on insurance coverage because it is proof of financial responsibility.
- Military Rewards – Being on active duty in the military could qualify you for better premium rates.
- College Student Discount – Kids who are attending college and do not have access to a covered vehicle can receive lower rates.
- Passenger Safety Discount – Vehicles equipped with air bags can get savings of more than 20%.
Keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.
The best insurance coverage companies and a partial list of their discounts are included below.
- State Farm may have discounts that include multiple autos, anti-theft, driver’s education, multiple policy, good student, good driver, and safe vehicle.
- GEICO offers discounts including defensive driver, daytime running lights, seat belt use, multi-vehicle, military active duty, and good student.
- Allstate discounts include teenSMART discount, economy car, anti-lock brakes, good payer, 55 and retired, defensive driver, and resident student.
- SAFECO may include discounts for anti-lock brakes, anti-theft, teen safety rewards, bundle discounts, homeowner, drive less, and teen safe driver.
- Farm Bureau offers premium reductions for multi-policy, renewal discount, good student, multi-vehicle, and 55 and retired.
- Progressive has savings for good student, online signing, continuous coverage, homeowner, multi-policy, and multi-vehicle.
- AAA has discounts for multi-policy, anti-theft, AAA membership discount, multi-car, pay-in-full, education and occupation, and good driver.
When getting a coverage quote, ask every prospective company which discounts can lower your rates. All car insurance discounts may not be offered in your area.
It’s not one size fits all
When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.
- Is business property covered if stolen from my car?
- What exactly is covered by my policy?
- How much liability do I need to cover my assets?
- Does my insurance cover my expensive audio equipment?
- Are split liability limits better than a combined single limit?
- Why does it cost so much to insure a teen driver?
- Are my friends covered when driving my 2019 Acura RLX?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete your zip code. It is quick, free and can provide invaluable advice.
Auto insurance coverage information
Learning about specific coverages of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from auto insurance companies.
Medical expense insurance
Med pay and PIP coverage kick in for immediate expenses for nursing services, funeral costs, pain medications and X-ray expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
This coverage will pay to fix damage to your RLX from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like hitting a parking meter, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.
Comprehensive (Other than Collision)
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as fire damage, hitting a bird, a broken windshield, damage from flooding and rock chips in glass. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Protection from uninsured/underinsured drivers
This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2019 Acura RLX.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Auto liability insurance
This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability coverage pays for claims like repair bills for other people’s vehicles, structural damage, pain and suffering and emergency aid. How much coverage you buy is your choice, but consider buying higher limits if possible.
Compare but don’t skimp
Throughout this article, we presented a lot of ways to lower your 2019 Acura RLX insurance premium rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the best price on car insurance is with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.
When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone sacrificed liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible for the lowest price and still be able to protect your assets.
Additional detailed information can be found by following these links:
Rates by U.S. City
|New York City, NY||$2,730|
|Los Angeles, CA||$2,949|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$136|
|5-yr Claim Free||$113|
|Paid in Full/EFT||$86|
Discounts are estimated and may not be available from every company or in every state.