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.
The average insurance prices for an Acura TL are $918 every 12 months for full coverage. Comprehensive insurance costs approximately $138, collision insurance costs $180, and liability insurance is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $1,972 or more. Teens cost the most to insure at up to $3,752 a year.
Average premium for full coverage: $918
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different TL trim levels.
Price Range Variability
For a driver around age 40, Acura TL insurance rates range from the cheapest price of $496 for minimum levels of liability insurance to a much higher rate of $1,972 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying 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 shows average Acura TL insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $564
- Raising to $1,000 deductibles will save $74 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $918
- Selecting more expensive low deductibles costs an extra $136 a year
- Higher-risk drivers with serious driving violations could pay around $1,972
- Policy cost to insure a teen driver with full coverage can cost $3,752
Car insurance rates for an Acura TL also range considerably based on liability limits and deductibles, your driver profile, and the model of your TL.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $210 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $3,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Acura TL insurance rates. A middle-age driver might find rates as low as $610 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,310 on average in New York, Louisiana, and Michigan.
| 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 Shop for Cheap Acura TL Insurance
Finding cheaper rates on Acura TL insurance consists of having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
The following items are a brief summary of the car insurance concepts covered above.
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,050 more per year than a driver with a clean driving record
- Drivers can save around $100 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $200 each year
- Drivers who purchase additional liability coverage will pay approximately $490 each year to raise from a 30/60 limit to a 250/500 level
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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