Acura RL Insurance Rates

Estimated insurance prices for an Acura RL are $1,136 every 12 months for full coverage. Comprehensive insurance costs an estimated $208 each year, collision costs $296, and liability is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy 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 broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and RL models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

These rate differences show why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Acura RL insurance rates for other coverage scenarios.

• The best discount rate is $678
• Raising to $1,000 deductibles will save approximately $114 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,136
• Using low deductibles costs an extra $220 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,446 or more
• An auto insurance policy to insure a teen driver can cost as much as $4,458

View Chart as Image

Car insurance prices for an Acura RL also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $340 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $4,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,300 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Acura RL insurance prices. A middle-age driver might find prices as low as $750 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,620 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes 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 Shop for Cheap Acura RL Insurance

Finding better rates on car insurance consists of avoiding accidents and violations, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Take the time to comparison shop once a year by requesting quotes from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the data that was touched on in the above illustrations.

• Drivers can save approximately $130 per year simply by quoting online in advance
• Policyholders who want higher liability limits will pay an extra $520 each year to raise from 30/60 bodily injury limits to a 250/500 level
• Teenagers have the highest car insurance prices, as much as $372 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,310 more annually for car insurance