Acura RL Insurance Rates

The average auto insurance rates for an Acura RL are $1,178 annually with full coverage. Comprehensive costs approximately $220, collision costs $326, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,542. Teen drivers cost the most to insure at $4,596 a year or more.

Average premium for full coverage: $1,178

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all RL models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas.

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

The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $699
• Choosing higher $1,000 deductibles can save $124 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,178
• Choosing pricier low deductibles for comp and collision coverage will cost $1,418
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,542 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $4,596 each year

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

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. Acura RL insurance for high-risk drivers ranges as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $370 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Acura RL insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,590 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes will be varied between companies.

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 Buy Low Cost Acura RL Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the information covered in the charts and tables above.

• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Teenagers pay the highest auto insurance rates, as much as $383 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,360 more per year for car insurance
• Policyholders who purchase higher liability limits will pay about $520 every year to raise limits from a 30/60 limit to higher 250/500 limits