Acura TL Insurance Rates
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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.
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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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.
|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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$54|
|5-yr Claim Free||$57|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.