Acura RL Insurance Rates

U.S. average insurance rates for an Acura RL are $1,178 a year for full coverage insurance. Comprehensive insurance costs an estimated $220 a year, collision costs $326, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,542 or more. Teenage drivers pay the highest rates at $4,596 a year or more.

Average premium for full coverage: $1,178

Price estimates broken down by individual coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and RL trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated Acura RL insurance rates for other coverage scenarios.

• The best discount rate is $699
• Choosing higher $1,000 deductibles can save approximately $1,054 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,178
• Using low $100 deductibles for comp and collision coverage will cost an extra $240 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,542 or more
• The price for full coverage for a teen driver can cost as much as $4,596 each year

View Chart as Image

Car insurance prices for an Acura RL are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Acura RL insurance prices. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,590 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $370 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 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.

How to Find Cheaper Acura RL Insurance

Getting lower rates on car insurance takes being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to shop around every year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the coverage data illustrated above.

• It is possible to save approximately $140 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $375 each year
• Teen drivers have the highest car insurance prices, as much as $383 a month if full coverage is included
• Higher risk drivers with multiple at-fault accidents pay on average $1,360 more annually to insure their RL