Acura RL Insurance Rates

The average insurance prices for an Acura RL are $1,136 every 12 months with full coverage. Comprehensive insurance costs around $208, collision costs $296, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage 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 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all RL models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details 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 annually
• The average price for a good driver age 40 using $500 deductibles is $1,136
• Using pricier low deductibles costs an extra $220 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,446 or more
• Policy cost to insure a teen driver for full coverage can be $4,458

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $340 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little 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 should be prepared to pay 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 may be forking out at least $1,300 to $1,900 additional every year, depending on your age. Acura RL insurance for high-risk drivers is expensive and can cost anywhere 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 rates. A middle-age driver might find rates 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

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates 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 Acura RL insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every year by obtaining price quotes from direct companies, and also from several local insurance agents.

The following is a condensed summary of the coverage data touched on in the above illustrations.

• You may be able to save up to $130 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Teens are charged the highest rates, as much as $372 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay on average $1,310 more every year for RL insurance