Acura TL Insurance Rates
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UPDATED: Apr 26, 2024
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How much is insurance on an Acura TL? While there may be small differences in rates between 2006 Acura TL insurance costs versus 2005 Acura TL costs, the average Acura TL insurance rates will be $1,370 a year or $114 a month. Read on to learn more about Acura TL insurance costs and how to save on insurance for vehicles.
Use our free rate comparison tool above to get an accurate Acura TL comparison of rates and savings in your area.
The average insurance rates for an Acura TL are $1,112 a year with full coverage. Comprehensive costs approximately $190, collision insurance costs $286, and liability coverage costs $478. Liability-only coverage costs as little as $526 a year, and high-risk coverage costs around $2,400. 16-year-old drivers cost the most to insure at up to $4,410 a year.
Average premium for full coverage: $1,112
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all TL models.
Price Range Variability
For an average driver, Acura TL insurance rates range from as low as $526 for just liability insurance to the much higher price of $2,400 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities. The example below illustrates the effect of geographic area on auto insurance prices.
The examples above demonstrate why everyone should compare rates using their specific location and risk profile, rather than using rate 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.
More Rate Details
The chart below details average Acura TL insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $663
- Drivers who choose higher $1,000 deductibles will pay $108 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,112
- Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,320
- High-risk insureds with multiple tickets or accidents could pay around $2,400
- Policy cost for full coverage for a teenage driver for full coverage can cost $4,410 a year
Insurance rates for an Acura TL also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
Your home state makes a big difference in Acura TL insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Utah, Ohio, and New Hampshire, or at least $1,500 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,006 | -$106 | -9.5% |
| Alaska | $854 | -$258 | -23.2% |
| Arizona | $924 | -$188 | -16.9% |
| Arkansas | $1,112 | -$0 | 0.0% |
| California | $1,266 | $154 | 13.8% |
| Colorado | $1,064 | -$48 | -4.3% |
| Connecticut | $1,142 | $30 | 2.7% |
| Delaware | $1,258 | $146 | 13.1% |
| Florida | $1,392 | $280 | 25.2% |
| Georgia | $1,026 | -$86 | -7.7% |
| Hawaii | $798 | -$314 | -28.2% |
| Idaho | $752 | -$360 | -32.4% |
| Illinois | $830 | -$282 | -25.4% |
| Indiana | $838 | -$274 | -24.6% |
| Iowa | $750 | -$362 | -32.6% |
| Kansas | $1,058 | -$54 | -4.9% |
| Kentucky | $1,516 | $404 | 36.3% |
| Louisiana | $1,644 | $532 | 47.8% |
| Maine | $686 | -$426 | -38.3% |
| Maryland | $916 | -$196 | -17.6% |
| Massachusetts | $890 | -$222 | -20.0% |
| Michigan | $1,932 | $820 | 73.7% |
| Minnesota | $930 | -$182 | -16.4% |
| Mississippi | $1,332 | $220 | 19.8% |
| Missouri | $986 | -$126 | -11.3% |
| Montana | $1,196 | $84 | 7.6% |
| Nebraska | $878 | -$234 | -21.0% |
| Nevada | $1,332 | $220 | 19.8% |
| New Hampshire | $800 | -$312 | -28.1% |
| New Jersey | $1,244 | $132 | 11.9% |
| New Mexico | $984 | -$128 | -11.5% |
| New York | $1,170 | $58 | 5.2% |
| North Carolina | $640 | -$472 | -42.4% |
| North Dakota | $910 | -$202 | -18.2% |
| Ohio | $768 | -$344 | -30.9% |
| Oklahoma | $1,142 | $30 | 2.7% |
| Oregon | $1,018 | -$94 | -8.5% |
| Pennsylvania | $1,060 | -$52 | -4.7% |
| Rhode Island | $1,484 | $372 | 33.5% |
| South Carolina | $1,006 | -$106 | -9.5% |
| South Dakota | $938 | -$174 | -15.6% |
| Tennessee | $974 | -$138 | -12.4% |
| Texas | $1,340 | $228 | 20.5% |
| Utah | $824 | -$288 | -25.9% |
| Vermont | $762 | -$350 | -31.5% |
| Virginia | $666 | -$446 | -40.1% |
| Washington | $858 | -$254 | -22.8% |
| West Virginia | $1,018 | -$94 | -8.5% |
| Wisconsin | $770 | -$342 | -30.8% |
| Wyoming | $990 | -$122 | -11.0% |
Opting for high physical damage deductibles could save up to $320 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,300 to $1,900 additional every year, depending on your age. Acura TL insurance for high-risk drivers can cost around 43% to 130% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura TL 3.5 | $1,090 | $91 |
| Acura TL 3.5 W/Technology Package | $1,112 | $93 |
| Acura TL 3.7 SH AWD | $1,112 | $93 |
| Acura TL 3.7 SH W/Technology Package AWD | $1,134 | $95 |
Rates assume 2013 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 |
|---|---|---|---|---|
| 2014 Acura TL | $194 | $316 | $474 | $1,142 |
| 2013 Acura TL | $190 | $286 | $478 | $1,112 |
| 2012 Acura TL | $176 | $262 | $474 | $1,070 |
| 2011 Acura TL | $166 | $238 | $474 | $1,036 |
| 2010 Acura TL | $162 | $214 | $468 | $1,002 |
| 2009 Acura TL | $158 | $208 | $460 | $984 |
| 2007 Acura TL | $142 | $190 | $446 | $936 |
| 2006 Acura TL | $138 | $180 | $442 | $918 |
Rates are averaged for all Acura TL 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 TL Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief recap of the ideas that were covered in the above illustrations.
- Drivers age 16 to 20 are the costliest to insure, as much as $368 each month including comprehensive and collision insurance
- Drivers who tend to receive serious violations pay on average $1,290 more per year than a safer driver
- Increasing comprehensive and collision deductibles can save around $325 each year
- You may be able to save around $130 per year just by quoting online well ahead of the renewal date
Whether you want to know how much does a 2004 or 2012 Acura TL cost to insure or how much is a 2008 Acura TL to insure, use a rate comparison tool to find savings.
Enter your ZIP code in our free tool below to find the best Acura TL insurance rates, such as a 2003 Acura TL price range.
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What are the safety ratings of the Acura TL?
Is an Acura TL a good car? The Acura TL is light on safety features, as it only has basic features like brake assist, electronic stability control, and traction control. However, despite the lack of advanced safety features, the Acura TL still won a 2014 Top Safety Pick award from the Insurance Institute for Highway Safety (IIHS).
Below is a breakdown of the 2014 Acura TL’s crash test ratings.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The IIHS video below shows one of the crash tests for the Acura TL.
Acura TL Compared Against Other Vehicles in the Same Class
The Acura TL is a midsize, luxury car. Because it is a luxury vehicle, insurers may charge Acura TL drivers more. Why? Luxury cars are more prone to crashing, due to the more powerful engines and the tendency of drivers to speed in luxury or sports cars. To see how the Acura TL insurance rates compare to other midsize luxury cars, take a look at the list below.
To jump right into finding savings for an Acura TL in your area, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,410 |
| 20 | $2,552 |
| 30 | $1,136 |
| 40 | $1,112 |
| 50 | $1,020 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,112 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,112 |
| 50/100 | $1,230 |
| 100/300 | $1,349 |
| 250/500 | $1,660 |
| 100 CSL | $1,277 |
| 300 CSL | $1,540 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,236 |
| 20 | $4,072 |
| 30 | $2,428 |
| 40 | $2,400 |
| 50 | $2,296 |
| 60 | $2,274 |
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 | $57 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $449 |
Discounts are estimated and may not be available from every company or in every state.
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