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...

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UPDATED: Jun 2, 2023

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U.S. average insurance prices for an Acura RL are $996 every 12 months including full coverage. Comprehensive costs around $172 each year, collision costs $224, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $2,136. Teen drivers pay the highest rates at $3,978 a year or more.

Average premium for full coverage: $996

Price estimates for individual coverage:

Comprehensive $172
Collision $224
Liability $442

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and RL models.

Price Range from Low to High

For the normal driver, Acura RL insurance prices go from the cheapest price of $496 for a discount liability-only rate to a high rate of $2,136 for high-risk insurance.

Liability Only $496
Full Coverage $996
High Risk $2,136

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The ranges above highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on price averages.

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.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $607
  • Using higher $1,000 deductibles will save about $92 every year
  • The average price for the average middle-age driver using $500 deductibles is $996
  • Choosing low deductibles for physical damage coverage increases the price to $1,166
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,136 or more
  • The price to insure a 16-year-old driver can be $3,978 or more

View Chart as Image

Acura RL insurance cost comparison chart
Column chart showing full coverage Acura RL insurance rates range from $607 to $3,978

Insurance prices for an Acura RL are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $270 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers can be from 43% to 134% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Acura RL insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,420 on average in Michigan, New York, and Louisiana.

Acura RL Insurance Rates by State
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%

View Chart as Image

Acura RL insurance rates by U.S. city

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different.

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 $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.

Acura RL Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2005 Acura RL $194 $248 $452 $1,052
2004 Acura RL $178 $236 $446 $1,018

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 Best Acura RL Insurance

Getting lower rates on insurance for an Acura RL requires being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief recap of the material that was presented in the illustrations above.

  • Insureds who may need higher levels of liability will pay about $490 per year to increase from a low limit to a 250/500 level
  • Teenage drivers are charged the highest prices, possibly costing $332 a month if full coverage is included
  • Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,140 more every year for auto insurance
  • Increasing physical damage deductibles could save as much as $250 each year

Rates by Driver Age

Acura RL Insurance 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

Acura RL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,166
$250 $1,088
$500 $996
$1,000 $904

Full coverage, driver age 40

Rates by Liability Limit

Acura RL Insurance Rates with Different Liability Limits
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

Acura RL Insurance 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.

SR-22 Surcharge $132

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
Rate after discounts $607

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

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