Acura RL Insurance Rates

U.S. average insurance rates for an Acura RL are $1,136 a year for full coverage insurance. Comprehensive costs approximately $208 each year, collision costs $296, and liability insurance costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,446. 16-year-old drivers pay the highest rates at $4,458 a year or more.

Average premium for full coverage: $1,136

Price estimates by individual coverage:

Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and RL models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $678
• Drivers who choose higher $1,000 deductibles will pay $114 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,136
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,356
• High risk drivers with multiple tickets or accidents could pay around $2,446 or more
• The price that insures a teen driver can cost $4,458 a year

View Chart as Image

Insurance prices for an Acura RL are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,300 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age

The state you live in makes a big difference in Acura RL insurance rates. A 40-year-old driver could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $340 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and prices may be quite 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 More Affordable Acura RL Insurance

Getting lower rates on Acura RL insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop at every other renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The following is a summary of the concepts that were covered in the charts and tables above.

• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,310 more per year for RL insurance
• Teens are the costliest to insure, as much as $372 a month if comprehensive and collision insurance is included
• It is possible to save around $130 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $325 each year
• It is possible to save around $130 per year simply by quoting online in advance