Acura RL Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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

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 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