Acura RL Insurance Rates

The average insurance prices for an Acura RL are $1,136 every 12 months including full coverage. Comprehensive insurance costs around $208, collision costs $296, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,446 or more. Teenage drivers cost the most to insure at $4,458 a year or more.

Average premium for full coverage: $1,136

Policy rates for type of insurance:

Price estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different RL trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below breaks down estimated Acura RL insurance rates for additional coverage choices and driver risks.

• The best discount rate is $678
• Raising to $1,000 deductibles will save about $114 every year
• The average price for a good driver age 40 using $500 deductibles is $1,136
• Using more expensive low deductibles costs an extra $220 annually
• Drivers who are prone to accidents and violations could pay at least $2,446 or more
• Policy cost to insure a 16-year-old driver with full coverage can be $4,458

View Chart as Image

Car insurance rates for an Acura RL also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $340 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $4,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,300 to $1,900 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Acura RL insurance prices. A middle-age driver might find rates as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,620 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for Cheaper Acura RL Insurance

Finding cheaper rates on insurance for an Acura RL consists of not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around at least every other year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a condensed summary of the car insurance concepts touched on above.

• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,310 more every year for RL insurance
• You may be able to save up to $130 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Insureds who may need higher liability limits will pay an extra $520 per year to raise from a 30/60 limit to a 250/500 level