Acura TL 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: Jun 3, 2023

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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.

U.S. average insurance prices for an Acura TL are $918 every 12 months for full coverage insurance. Comprehensive costs an estimated $138 each year, collision costs $180, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $1,972. Teen drivers pay the highest rates at $3,752 a year or more.

Average premium for full coverage: $918

Price estimates broken down by individual coverage:

Comprehensive $138
Collision $180
Liability $442

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and TL models.

Price Range from Low to High

For a driver in their 40's, Acura TL insurance prices go from the cheapest price of $496 for minimum levels of liability insurance to a high rate of $1,972 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $918
High Risk $1,972

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

Rural Areas $689
Small Cities $964
Large Cities $1,239

The ranges above illustrate why all drivers should compare prices for a targeted area and their own driving history, instead of 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.

Additional Rate Details

The chart below illustrates estimated Acura TL insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $564
  • Using higher $1,000 deductibles will save approximately $74 each year
  • The average price for the average middle-age driver who has $500 deductibles is $918
  • Choosing low deductibles for physical damage coverage increases the price to $1,054
  • Drivers with multiple violations and an at-fault accident could pay up to $1,972 or more
  • The price to insure a teen driver can cost as much as $3,752 or more

View Chart as Image

Acura TL insurance cost comparison chart
Column chart showing full coverage Acura TL insurance rates range from $564 to $3,752

Insurance prices for an Acura TL are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $210 every year, whereas increasing liability limits will increase premiums. Switching 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 little as $900 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,100 to $1,600 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 133% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Acura TL insurance prices. A driver around age 40 might see prices as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,240 on average in Florida, New York, and Michigan.

Acura TL Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $830 -$88 -9.6%
Alaska $706 -$212 -23.1%
Arizona $762 -$156 -17.0%
Arkansas $918 -$0 0.0%
California $1,046 $128 13.9%
Colorado $878 -$40 -4.4%
Connecticut $944 $26 2.8%
Delaware $1,038 $120 13.1%
Florida $1,148 $230 25.1%
Georgia $848 -$70 -7.6%
Hawaii $658 -$260 -28.3%
Idaho $622 -$296 -32.2%
Illinois $684 -$234 -25.5%
Indiana $692 -$226 -24.6%
Iowa $620 -$298 -32.5%
Kansas $872 -$46 -5.0%
Kentucky $1,252 $334 36.4%
Louisiana $1,360 $442 48.1%
Maine $564 -$354 -38.6%
Maryland $758 -$160 -17.4%
Massachusetts $736 -$182 -19.8%
Michigan $1,596 $678 73.9%
Minnesota $768 -$150 -16.3%
Mississippi $1,098 $180 19.6%
Missouri $814 -$104 -11.3%
Montana $986 $68 7.4%
Nebraska $724 -$194 -21.1%
Nevada $1,102 $184 20.0%
New Hampshire $662 -$256 -27.9%
New Jersey $1,026 $108 11.8%
New Mexico $812 -$106 -11.5%
New York $968 $50 5.4%
North Carolina $530 -$388 -42.3%
North Dakota $750 -$168 -18.3%
Ohio $636 -$282 -30.7%
Oklahoma $944 $26 2.8%
Oregon $840 -$78 -8.5%
Pennsylvania $876 -$42 -4.6%
Rhode Island $1,226 $308 33.6%
South Carolina $830 -$88 -9.6%
South Dakota $776 -$142 -15.5%
Tennessee $804 -$114 -12.4%
Texas $1,106 $188 20.5%
Utah $680 -$238 -25.9%
Vermont $628 -$290 -31.6%
Virginia $550 -$368 -40.1%
Washington $710 -$208 -22.7%
West Virginia $840 -$78 -8.5%
Wisconsin $636 -$282 -30.7%
Wyoming $818 -$100 -10.9%

View Chart as Image

Acura TL insurance rates by U.S. city

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Acura TL Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Acura TL 3.5 $902 $75
Acura TL 3.5 W/Technology Package $918 $77
Acura TL 3.7 SH AWD $918 $77
Acura TL 3.7 SH W/Technology Package AWD $932 $78

Rates assume 1999 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 TL Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2011 Acura TL $194 $316 $474 $1,142
2010 Acura TL $190 $286 $478 $1,112
2009 Acura TL $176 $262 $474 $1,070
2007 Acura TL $162 $214 $468 $1,002
2006 Acura TL $158 $208 $460 $984
2005 Acura TL $156 $198 $452 $964
2004 Acura TL $142 $190 $446 $936
2003 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 Shop for Affordable Acura TL Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief review of the primary concepts that were covered in the charts and tables above.

  • It is possible to save approximately $100 per year simply by quoting online in advance
  • Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,050 more annually to insure an Acura TL
  • Increasing physical damage deductibles could save as much as $200 each year
  • Drivers under the age of 20 are expensive to insure, as much as $313 a month if full coverage is included

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.



Rates by Driver Age

Acura TL Insurance Rates by Driver Age
Driver Age Premium
16 $3,752
20 $2,102
30 $930
40 $918
50 $844
60 $826

Full coverage, $500 deductibles

Rates by Deductible

Acura TL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,054
$250 $992
$500 $918
$1,000 $844

Full coverage, driver age 40

Rates by Liability Limit

Acura TL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $918
50/100 $1,020
100/300 $1,131
250/500 $1,418
100 CSL $1,065
300 CSL $1,308
500 CSL $1,485

Full coverage, driver age 40

Rates for High Risk Drivers

Acura TL Insurance Rates for High Risk Drivers
Age Premium
16 $5,268
20 $3,348
30 $1,982
40 $1,972
50 $1,888
60 $1,868

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 $122

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $49
Homeowner $16
5-yr Accident Free $54
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $39
Online Quote $61
Total Discounts $354
Rate after discounts $564

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

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