Acura RL Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Apr 6, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Average premium for full coverage: $1,178

Policy rates for type of insurance:

Comprehensive $220
Collision $326
Liability $474

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and RL trim levels.

Price Range Variability

For an average driver, Acura RL insurance rates go from as cheap as $522 for minimum levels of liability insurance to a high of $2,542 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,178
High Risk $2,542

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $884
Small Cities $1,237
Large Cities $1,590

The examples above show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

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

  • The best discount rate is $699
  • Drivers who choose higher $1,000 deductibles will pay about $1,054 a year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,178
  • Using low $100 deductibles for comprehensive and collision insurance costs an additional $240 every year
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,542 or more
  • Policy cost with full coverage for a teen driver can be $4,596 a year

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing full coverage Acura RL insurance prices range from $699 to $4,596

Car insurance rates for an Acura RL also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $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 could be paying at least $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $370 every year, while buying higher liability limits will increase rates. Going 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 makes a big difference in Acura RL insurance prices. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 on average in Michigan, Louisiana, and New York.

Acura RL Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,066 -$112 -9.5%
Alaska $902 -$276 -23.4%
Arizona $978 -$200 -17.0%
Arkansas $1,178 -$0 0.0%
California $1,342 $164 13.9%
Colorado $1,126 -$52 -4.4%
Connecticut $1,212 $34 2.9%
Delaware $1,334 $156 13.2%
Florida $1,474 $296 25.1%
Georgia $1,088 -$90 -7.6%
Hawaii $846 -$332 -28.2%
Idaho $798 -$380 -32.3%
Illinois $878 -$300 -25.5%
Indiana $886 -$292 -24.8%
Iowa $794 -$384 -32.6%
Kansas $1,120 -$58 -4.9%
Kentucky $1,608 $430 36.5%
Louisiana $1,744 $566 48.0%
Maine $728 -$450 -38.2%
Maryland $972 -$206 -17.5%
Massachusetts $944 -$234 -19.9%
Michigan $2,048 $870 73.9%
Minnesota $986 -$192 -16.3%
Mississippi $1,412 $234 19.9%
Missouri $1,046 -$132 -11.2%
Montana $1,266 $88 7.5%
Nebraska $930 -$248 -21.1%
Nevada $1,414 $236 20.0%
New Hampshire $848 -$330 -28.0%
New Jersey $1,318 $140 11.9%
New Mexico $1,044 -$134 -11.4%
New York $1,242 $64 5.4%
North Carolina $678 -$500 -42.4%
North Dakota $966 -$212 -18.0%
Ohio $814 -$364 -30.9%
Oklahoma $1,212 $34 2.9%
Oregon $1,080 -$98 -8.3%
Pennsylvania $1,126 -$52 -4.4%
Rhode Island $1,572 $394 33.4%
South Carolina $1,068 -$110 -9.3%
South Dakota $996 -$182 -15.4%
Tennessee $1,032 -$146 -12.4%
Texas $1,422 $244 20.7%
Utah $872 -$306 -26.0%
Vermont $808 -$370 -31.4%
Virginia $706 -$472 -40.1%
Washington $912 -$266 -22.6%
West Virginia $1,080 -$98 -8.3%
Wisconsin $816 -$362 -30.7%
Wyoming $1,052 -$126 -10.7%

View Chart as Image

Acura RL insurance rates by U.S. city

Because rates have so much variability, the only way to know your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Acura RL Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura RL 3.7 $1,158 $97
Acura RL 3.7 with Tech Package $1,178 $98
Acura RL 3.7 with Tech/CMBS Package $1,178 $98

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.

Acura RL Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Acura RL $236 $358 $478 $1,230
2011 Acura RL $220 $326 $474 $1,178
2010 Acura RL $208 $296 $474 $1,136
2005 Acura RL $172 $224 $442 $996

Rates are averaged for all Acura RL models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Acura RL Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief recap of the primary concepts that were covered in the above illustrations.

  • Drivers can save up to $140 per year simply by quoting early and online
  • Higher risk drivers who tend to receive serious violations pay an average of $1,360 more every year for car insurance
  • Increasing comprehensive and collision deductibles could save up to $375 each year
  • Teenagers are the costliest to insure, costing up to $383 each month if comprehensive and collision insurance is included

Rates by Driver Age

Acura RL Insurance Rates by Driver Age
Driver Age Premium
16 $4,596
20 $2,696
30 $1,212
40 $1,178
50 $1,078
60 $1,056

Full coverage, $500 deductibles

Rates by Deductible

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,308
$500 $1,178
$1,000 $1,054

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,178
50/100 $1,273
100/300 $1,391
250/500 $1,699
100 CSL $1,320
300 CSL $1,581
500 CSL $1,771

Full coverage, driver age 40

Rates for High Risk Drivers

Acura RL Insurance Rates for High Risk Drivers
Age Premium
16 $6,512
20 $4,302
30 $2,576
40 $2,542
50 $2,430
60 $2,404

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $160

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $77
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $82
Total Discounts $479
Rate after discounts $699

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles