Acura RL Insurance Rates

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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

UPDATED: Apr 6, 2024

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Average insurance rates for an Acura RL are $1,178 a year with full coverage. Comprehensive costs an estimated $220 a year, collision insurance costs $326, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs around $2,542. Teens receive the highest rates at up to $4,596 a year.

Average premium for full coverage: $1,178

Rate estimates broken down by individual coverage type:

Comprehensive $220
Collision $326
Liability $474

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and RL trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $522 for your basic liability-only policy to a high of $2,542 for a high-risk driver policy.

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

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.

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

These examples demonstrate why it is important to compare rates for a targeted area, instead of making a decision based 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.

More Rate Information

The chart below details average Acura RL insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $699
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,054 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,178
  • Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,418
  • Drivers with serious driving violations could pay up to $2,542
  • The cost that insures a 16-year-old driver can cost as much as $4,596 a year

View Chart as Image

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

Insurance rates for an Acura RL can also vary considerably based on the trim level of your RL, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age

Where you live makes a big difference in Acura RL insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,590 on average in New York, Michigan, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $370 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

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 Find the Best Acura RL Insurance

Saving money on insurance for an Acura RL not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates every time your policy renews by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief recap of the information presented in the illustrations above.

  • You may be able to save approximately $140 per year just by quoting early and online
  • Teenage drivers are expensive to insure, with premiums as much as $383 per month if comprehensive and collision insurance is included
  • Increasing deductibles can save approximately $375 each year
  • Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,360 more annually for auto insurance
  • Insureds who want higher levels of liability will pay approximately $520 every year to go from a minimum limit to the 250/500 level

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.

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