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...

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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.

Average insurance rates for an Acura TL are $918 a year with full coverage. Comprehensive insurance costs on average $138 a year, collision costs $180, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $1,972 or more. Teens receive the highest rates at $3,752 a year or more.

Average premium for full coverage: $918

Rate estimates by individual coverage type:

Comprehensive $138
Collision $180
Liability $442

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and TL trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $496 for minimum levels of liability insurance to a high of $1,972 for a driver who has had serious violations or accidents.

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

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

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

These examples demonstrate why it is important to compare rates based on a specific location, 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.

Additional Rate Details

The chart below details estimated Acura TL insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $564
  • Drivers who choose higher $1,000 deductibles will pay around $844 annually
  • The estimated price for a 40-year-old driver with $500 deductibles is $918
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $136 annually
  • Drivers with serious driving violations could pay upwards of $1,972 or more
  • The cost that insures a 16-year-old driver may cost $3,752 a year

View Chart as Image

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

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

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,100 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can cost from 43% 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 $900 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 upwards of $3,700 a year. View Rates by Age

Where you live makes a big difference in Acura TL insurance prices. A 40-year-old driver could pay as low as $660 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,240 on average in Florida, Michigan, and New York.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $210 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every company calculates rates differently, and rates can be significantly 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 Find More Affordable Acura TL Insurance

Saving money on insurance for an Acura TL not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare rates every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a summary of the ideas that were illustrated above.

  • 16 to 18-year-old drivers pay higher rates, with premiums as much as $313 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,050 more each year than a driver with a clean driving record
  • Increasing deductibles can save approximately $200 each year
  • You may be able to save as much as $100 per year simply by quoting 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

  1. https://www.iihs.org/ratings/vehicle/acura/tl-4-door-sedan/2014

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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