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 auto insurance rates for an Acura TL are $918 annually with full coverage. Comprehensive insurance costs an estimated $138 a year, collision insurance costs $180, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $1,972 or more. Teen drivers pay the highest rates at up to $3,752 a year.
Average premium for full coverage: $918
Price estimates broken down by individual coverage:
Rates are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and TL trim levels.
Price Range from Low to High
For an average driver, Acura TL insurance prices range from as cheap as $496 for just the minimum liability insurance to a high of $1,972 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.
The ranges above demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, 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 Analysis
The chart below details average Acura TL insurance rates for other coverage scenarios.
- The lowest rate with discounts is $564
- Using higher $1,000 deductibles will save approximately $844 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $918
- Choosing low $100 deductibles for physical damage coverage costs an additional $136 every year
- Drivers with multiple violations and an at-fault accident could pay up to $1,972
- The price with full coverage for a teen driver can cost as much as $3,752 or more
Insurance prices for an Acura TL are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,100 to $1,600 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $210 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit
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 $660 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,240 on average in New York, Michigan, and Florida.
| 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% |
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 | $190 | $286 | $478 | $1,112 |
| 2010 Acura TL | $176 | $262 | $474 | $1,070 |
| 2009 Acura TL | $166 | $238 | $474 | $1,036 |
| 2007 Acura TL | $158 | $208 | $460 | $984 |
| 2006 Acura TL | $156 | $198 | $452 | $964 |
| 2005 Acura TL | $142 | $190 | $446 | $936 |
| 2004 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 Buy the Best Cheap Acura TL Insurance
Getting lower rates on car insurance requires having a good driving record, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a quick review of the data covered in the above illustrations.
- Policyholders who want increased levels of liability coverage will pay about $490 every year to increase from a low limit to higher 250/500 limits
- You may be able to save approximately $100 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $200 each year
- Drivers age 20 and younger are expensive to insure, costing up to $313 a month if they have full coverage
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 | $3,752 |
| 20 | $2,102 |
| 30 | $930 |
| 40 | $918 |
| 50 | $844 |
| 60 | $826 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,054 |
| $250 | $992 |
| $500 | $918 |
| $1,000 | $844 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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