Acura TLX 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 6, 2023

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The average insurance rates for an Acura TLX are $1,510 a year including full coverage. Comprehensive insurance costs on average $292 a year, collision insurance costs $618, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $3,304 or more. Teenage drivers cost the most to insure at up to $5,698 a year.

Average premium for full coverage: $1,510

Policy rates by type of insurance:

Comprehensive $292
Collision $618
Liability $442

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and TLX trim levels.

Price Range Variability

For a driver in their 40's, Acura TLX insurance rates range from as low as $496 for liability-only coverage to a high of $3,304 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,510
High Risk $3,304

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

The examples above highlight why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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 Charts and Tables

The chart below breaks down average Acura TLX insurance rates for different risk profiles and scenarios.

  • The best discount rate is $854
  • Choosing higher $1,000 deductibles can save around $1,304 every year
  • The average rate for a good driver age 40 with $500 deductibles is $1,510
  • Using low $100 deductibles for comp and collision coverage will cost an extra $406 annually
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,304
  • Policy cost for full coverage for a 16-year-old driver may cost $5,698 each year

View Chart as Image

Acura TLX insurance cost comparison chart
Column chart showing Acura TLX insurance prices range from $854 to $5,698 for full coverage

Insurance rates for an Acura TLX also range considerably based on your risk profile, the model of your TLX, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Acura TLX insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,160 on average in Michigan, New York, and Louisiana.

Acura TLX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,366 -$144 -9.5%
Alaska $1,160 -$350 -23.2%
Arizona $1,256 -$254 -16.8%
Arkansas $1,510 -$0 0.0%
California $1,722 $212 14.0%
Colorado $1,444 -$66 -4.4%
Connecticut $1,554 $44 2.9%
Delaware $1,710 $200 13.2%
Florida $1,890 $380 25.2%
Georgia $1,396 -$114 -7.5%
Hawaii $1,086 -$424 -28.1%
Idaho $1,022 -$488 -32.3%
Illinois $1,126 -$384 -25.4%
Indiana $1,138 -$372 -24.6%
Iowa $1,020 -$490 -32.5%
Kansas $1,438 -$72 -4.8%
Kentucky $2,062 $552 36.6%
Louisiana $2,238 $728 48.2%
Maine $932 -$578 -38.3%
Maryland $1,248 -$262 -17.4%
Massachusetts $1,210 -$300 -19.9%
Michigan $2,626 $1,116 73.9%
Minnesota $1,264 -$246 -16.3%
Mississippi $1,810 $300 19.9%
Missouri $1,340 -$170 -11.3%
Montana $1,624 $114 7.5%
Nebraska $1,192 -$318 -21.1%
Nevada $1,812 $302 20.0%
New Hampshire $1,088 -$422 -27.9%
New Jersey $1,688 $178 11.8%
New Mexico $1,338 -$172 -11.4%
New York $1,592 $82 5.4%
North Carolina $870 -$640 -42.4%
North Dakota $1,238 -$272 -18.0%
Ohio $1,044 -$466 -30.9%
Oklahoma $1,552 $42 2.8%
Oregon $1,384 -$126 -8.3%
Pennsylvania $1,442 -$68 -4.5%
Rhode Island $2,016 $506 33.5%
South Carolina $1,368 -$142 -9.4%
South Dakota $1,276 -$234 -15.5%
Tennessee $1,326 -$184 -12.2%
Texas $1,820 $310 20.5%
Utah $1,120 -$390 -25.8%
Vermont $1,034 -$476 -31.5%
Virginia $906 -$604 -40.0%
Washington $1,170 -$340 -22.5%
West Virginia $1,386 -$124 -8.2%
Wisconsin $1,046 -$464 -30.7%
Wyoming $1,346 -$164 -10.9%

View Chart as Image

Acura TLX insurance rates by U.S. city

Using high physical damage deductibles can save as much as $620 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates

Acura TLX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Acura TLX $292 $618 $442 $1,510
2015 Acura TLX $258 $484 $460 $1,360

Rates are averaged for all Acura TLX 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 TLX Insurance

Finding cheaper rates on insurance for an Acura TLX takes avoiding accidents and violations, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Invest time comparing rates at least every other year by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the car insurance concepts covered in the charts and tables above.

  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,790 more each year for car insurance
  • You may be able to save as much as $190 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles can save around $600 each year
  • Insureds who require higher liability limits will pay an extra $490 per year to raise limits from a 30/60 limit to 250/500 limits

Rates by Driver Age

Acura TLX Insurance Rates by Driver Age
Driver Age Premium
16 $5,698
20 $3,532
30 $1,578
40 $1,510
50 $1,382
60 $1,358

Full coverage, $500 deductibles

Rates by Deductible

Acura TLX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,726
$500 $1,510
$1,000 $1,304

Full coverage, driver age 40

Rates by Liability Limit

Acura TLX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,598
100/300 $1,709
250/500 $1,996
100 CSL $1,643
300 CSL $1,886
500 CSL $2,063

Full coverage, driver age 40

Rates for High Risk Drivers

Acura TLX Insurance Rates for High Risk Drivers
Age Premium
16 $8,148
20 $5,636
30 $3,376
40 $3,304
50 $3,156
60 $3,130

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 $218

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $116
5-yr Claim Free $99
Paid in Full/EFT $71
Advance Quote $77
Online Quote $108
Total Discounts $656
Rate after discounts $854

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

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