Acura TLX Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,916 |
| $250 | $1,726 |
| $500 | $1,510 |
| $1,000 | $1,304 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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