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.
Average insurance rates for an Acura TL are $1,142 a year with full coverage. Comprehensive costs an estimated $194, collision costs $316, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,470. Teen drivers receive the highest rates at $4,512 a year or more.
Average premium for full coverage: $1,142
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different TL trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $522 for a discount liability-only rate to a much higher rate of $2,470 for a driver who requires high-risk insurance.
Price Range by Location
Your location has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.
The price range example below illustrates how location impacts insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using 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 details estimated Acura TL insurance rates for other coverage scenarios.
- The lowest rate with discounts is $677
- Drivers who choose higher $1,000 deductibles will pay approximately $116 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,142
- Choosing more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,366
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,470 or more
- The cost for full coverage for a teenage driver with full coverage can cost as much as $4,512 a year
Auto insurance rates for an Acura TL can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age
Where you live makes a big difference in Acura TL insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,540 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,032 | -$110 | -9.6% |
| Alaska | $876 | -$266 | -23.3% |
| Arizona | $948 | -$194 | -17.0% |
| Arkansas | $1,142 | -$0 | 0.0% |
| California | $1,302 | $160 | 14.0% |
| Colorado | $1,090 | -$52 | -4.6% |
| Connecticut | $1,174 | $32 | 2.8% |
| Delaware | $1,292 | $150 | 13.1% |
| Florida | $1,430 | $288 | 25.2% |
| Georgia | $1,052 | -$90 | -7.9% |
| Hawaii | $820 | -$322 | -28.2% |
| Idaho | $772 | -$370 | -32.4% |
| Illinois | $850 | -$292 | -25.6% |
| Indiana | $858 | -$284 | -24.9% |
| Iowa | $770 | -$372 | -32.6% |
| Kansas | $1,088 | -$54 | -4.7% |
| Kentucky | $1,558 | $416 | 36.4% |
| Louisiana | $1,688 | $546 | 47.8% |
| Maine | $704 | -$438 | -38.4% |
| Maryland | $940 | -$202 | -17.7% |
| Massachusetts | $914 | -$228 | -20.0% |
| Michigan | $1,984 | $842 | 73.7% |
| Minnesota | $956 | -$186 | -16.3% |
| Mississippi | $1,368 | $226 | 19.8% |
| Missouri | $1,014 | -$128 | -11.2% |
| Montana | $1,226 | $84 | 7.4% |
| Nebraska | $900 | -$242 | -21.2% |
| Nevada | $1,370 | $228 | 20.0% |
| New Hampshire | $822 | -$320 | -28.0% |
| New Jersey | $1,276 | $134 | 11.7% |
| New Mexico | $1,010 | -$132 | -11.6% |
| New York | $1,204 | $62 | 5.4% |
| North Carolina | $658 | -$484 | -42.4% |
| North Dakota | $936 | -$206 | -18.0% |
| Ohio | $788 | -$354 | -31.0% |
| Oklahoma | $1,174 | $32 | 2.8% |
| Oregon | $1,044 | -$98 | -8.6% |
| Pennsylvania | $1,090 | -$52 | -4.6% |
| Rhode Island | $1,522 | $380 | 33.3% |
| South Carolina | $1,034 | -$108 | -9.5% |
| South Dakota | $964 | -$178 | -15.6% |
| Tennessee | $1,000 | -$142 | -12.4% |
| Texas | $1,376 | $234 | 20.5% |
| Utah | $846 | -$296 | -25.9% |
| Vermont | $784 | -$358 | -31.3% |
| Virginia | $682 | -$460 | -40.3% |
| Washington | $884 | -$258 | -22.6% |
| West Virginia | $1,044 | -$98 | -8.6% |
| Wisconsin | $790 | -$352 | -30.8% |
| Wyoming | $1,018 | -$124 | -10.9% |
Choosing high deductibles could save up to $340 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can cost around 42% to 136% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura TL 3.5 | $1,118 | $93 |
| Acura TL 3.5 W/Technology Package | $1,142 | $95 |
| Acura TL 3.7 SH AWD | $1,142 | $95 |
| Acura TL 3.7 SH W/Technology Package AWD | $1,164 | $97 |
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 | $210 | $340 | $474 | $1,182 |
| 2013 Acura TL | $194 | $316 | $474 | $1,142 |
| 2012 Acura TL | $190 | $286 | $478 | $1,112 |
| 2011 Acura TL | $176 | $262 | $474 | $1,070 |
| 2010 Acura TL | $166 | $238 | $474 | $1,036 |
| 2009 Acura TL | $162 | $214 | $468 | $1,002 |
| 2007 Acura TL | $156 | $198 | $452 | $964 |
| 2006 Acura TL | $142 | $190 | $446 | $936 |
| 2005 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
Saving money on auto insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at every other renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The points below are a brief recap of the concepts that were touched on above.
- Drivers who tend to receive serious violations may pay on average $1,330 more annually to insure an Acura TL
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $376 per month if they have full coverage
- You may be able to save approximately $130 per year simply by shopping early and online
- Increasing deductibles can save around $350 each year
- You may be able to save approximately $130 per year simply by shopping early and online
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 | $4,512 |
| 20 | $2,630 |
| 30 | $1,170 |
| 40 | $1,142 |
| 50 | $1,048 |
| 60 | $1,026 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,366 |
| $250 | $1,262 |
| $500 | $1,142 |
| $1,000 | $1,026 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,142 |
| 50/100 | $1,259 |
| 100/300 | $1,377 |
| 250/500 | $1,685 |
| 100 CSL | $1,306 |
| 300 CSL | $1,567 |
| 500 CSL | $1,757 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,386 |
| 20 | $4,196 |
| 30 | $2,502 |
| 40 | $2,470 |
| 50 | $2,362 |
| 60 | $2,338 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $45 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $465 |
Discounts are estimated and may not be available from every company or in every state.
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