Acura RL Insurance Rates
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UPDATED: Jun 2, 2023
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Estimated insurance prices for an Acura RL are $996 every 12 months for full coverage insurance. Comprehensive insurance costs on average $172, collision insurance costs $224, and liability insurance costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs $2,136 or more. Teens pay the most at up to $3,978 a year.
Average premium for full coverage: $996
Premium estimates by type of coverage:
Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different RL trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for an Acura RL range from the cheapest price of $496 for the bare minimum liability coverage to a much higher rate of $2,136 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on averaged prices.
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 Information
The chart below illustrates average Acura RL insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $607
- Using higher $1,000 deductibles will save around $92 each year
- The average price for a 40-year-old good driver with $500 deductibles is $996
- Selecting more expensive low deductibles for physical damage coverage costs an extra $170 a year
- Drivers with serious driving violations could pay upwards of $2,136
- An auto insurance policy to insure a teen driver with full coverage may cost $3,978 or more
Insurance prices for an Acura RL also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your RL.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $270 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Acura RL insurance rates. A driver around age 40 might see prices as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,350 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$96 | -9.6% |
| Alaska | $766 | -$230 | -23.1% |
| Arizona | $828 | -$168 | -16.9% |
| Arkansas | $996 | -$0 | 0.0% |
| California | $1,136 | $140 | 14.1% |
| Colorado | $952 | -$44 | -4.4% |
| Connecticut | $1,024 | $28 | 2.8% |
| Delaware | $1,128 | $132 | 13.3% |
| Florida | $1,246 | $250 | 25.1% |
| Georgia | $918 | -$78 | -7.8% |
| Hawaii | $716 | -$280 | -28.1% |
| Idaho | $674 | -$322 | -32.3% |
| Illinois | $742 | -$254 | -25.5% |
| Indiana | $750 | -$246 | -24.7% |
| Iowa | $672 | -$324 | -32.5% |
| Kansas | $946 | -$50 | -5.0% |
| Kentucky | $1,360 | $364 | 36.5% |
| Louisiana | $1,476 | $480 | 48.2% |
| Maine | $614 | -$382 | -38.4% |
| Maryland | $822 | -$174 | -17.5% |
| Massachusetts | $800 | -$196 | -19.7% |
| Michigan | $1,732 | $736 | 73.9% |
| Minnesota | $834 | -$162 | -16.3% |
| Mississippi | $1,194 | $198 | 19.9% |
| Missouri | $882 | -$114 | -11.4% |
| Montana | $1,070 | $74 | 7.4% |
| Nebraska | $786 | -$210 | -21.1% |
| Nevada | $1,194 | $198 | 19.9% |
| New Hampshire | $718 | -$278 | -27.9% |
| New Jersey | $1,114 | $118 | 11.8% |
| New Mexico | $882 | -$114 | -11.4% |
| New York | $1,050 | $54 | 5.4% |
| North Carolina | $572 | -$424 | -42.6% |
| North Dakota | $816 | -$180 | -18.1% |
| Ohio | $688 | -$308 | -30.9% |
| Oklahoma | $1,024 | $28 | 2.8% |
| Oregon | $914 | -$82 | -8.2% |
| Pennsylvania | $952 | -$44 | -4.4% |
| Rhode Island | $1,328 | $332 | 33.3% |
| South Carolina | $902 | -$94 | -9.4% |
| South Dakota | $840 | -$156 | -15.7% |
| Tennessee | $874 | -$122 | -12.2% |
| Texas | $1,200 | $204 | 20.5% |
| Utah | $738 | -$258 | -25.9% |
| Vermont | $684 | -$312 | -31.3% |
| Virginia | $596 | -$400 | -40.2% |
| Washington | $770 | -$226 | -22.7% |
| West Virginia | $914 | -$82 | -8.2% |
| Wisconsin | $690 | -$306 | -30.7% |
| Wyoming | $888 | -$108 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $982 | $82 |
| Acura RL 3.7 with Tech Package | $996 | $83 |
| Acura RL 3.7 with Tech/CMBS Package | $996 | $83 |
Rates assume 2001 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2005 Acura RL | $178 | $236 | $446 | $1,018 |
| 2004 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 Shop for the Cheapest Acura RL Insurance
Finding better rates on Acura RL insurance requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Take the time to comparison shop once a year by quoting rates from direct insurance companies, and also from several local insurance agents.
The points below are a recap of the data that was touched on in the above illustrations.
- It is possible to save as much as $110 per year just by shopping early and online
- Drivers who require increased liability limits will pay approximately $490 annually to increase from 30/60 bodily injury limits to a 250/500 level
- Drivers under the age of 20 pay the highest prices, with premiums being up to $332 per month if they have full coverage
- High-risk drivers that have major violations or accidents pay on average $1,140 more each year to insure an Acura RL
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,978 |
| 20 | $2,274 |
| 30 | $1,016 |
| 40 | $996 |
| 50 | $914 |
| 60 | $894 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,166 |
| $250 | $1,088 |
| $500 | $996 |
| $1,000 | $904 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $996 |
| 50/100 | $1,084 |
| 100/300 | $1,195 |
| 250/500 | $1,482 |
| 100 CSL | $1,129 |
| 300 CSL | $1,372 |
| 500 CSL | $1,549 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,600 |
| 20 | $3,618 |
| 30 | $2,156 |
| 40 | $2,136 |
| 50 | $2,044 |
| 60 | $2,024 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $50 |
| Multi-vehicle | $53 |
| Homeowner | $17 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $36 |
| Advance Quote | $43 |
| Online Quote | $67 |
| Total Discounts | $389 |
Discounts are estimated and may not be available from every company or in every state.
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