Acura RL Insurance Rates

Estimated insurance rates for an Acura RL are $1,136 a year with full coverage. Comprehensive insurance costs on average $208, collision costs $296, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,446 or more. Teenage drivers pay the most at $4,458 a year or more.

Average premium for full coverage: $1,136

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different RL trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details estimated Acura RL insurance rates for different risk profiles and scenarios.

• The best discount rate is $678
• Using higher $1,000 deductibles will save around $114 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,136
• Using more expensive low deductibles for physical damage coverage will cost an additional $220 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,446 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage may cost $4,458 or more

View Chart as Image

Insurance prices for an Acura RL also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,300 to $1,900 extra annually, depending on your age. High-risk driver insurance can be from 43% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,400 a year. View Rates by Age

Where you choose to live has a huge impact on Acura RL insurance prices. A driver around age 40 might see prices as low as $820 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,530 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $340 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

How to Find the Best Cheap Acura RL Insurance

Finding better rates on insurance for an Acura RL requires being a safe and courteous driver, having above-average credit, being claim-free, and bundling your home and auto policies. Compare prices at every policy renewal by quoting rates from direct companies, and also from several local insurance agents.

Below is a quick review of the data raised in the charts and tables above.

• Insureds who require higher levels of liability will pay an extra $520 every year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save as much as $130 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $325 each year
• Teenage drivers pay the highest prices, possibly costing $372 per month if full coverage is included