Acura RL Insurance Rates

The average insurance rates for an Acura RL are $1,230 a year with full coverage. Comprehensive insurance costs an estimated $236 each year, collision costs $358, and liability insurance is $478. Liability-only coverage costs around $526 a year, with high-risk coverage costing $2,652 or more. 16-year-old drivers cost the most to insure at $4,760 a year or more.

Average premium for full coverage: $1,230

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and RL models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $726
• Raising to $1,000 deductibles will save approximately $136 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,230
• Buying low deductibles will cost an additional $258 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,652 or more
• Policy cost that insures a teen driver can cost as much as $4,760

View Chart as Image

Insurance rates for an Acura RL also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Your home state also has a big influence on Acura RL insurance rates. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,660 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $400 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 Cheap Acura RL Insurance

Finding cheaper rates on Acura RL insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop every other policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The points below are a brief summary of the ideas that were covered above.

• Drivers under the age of 20 are expensive to insure, as much as $397 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,420 more annually to insure an Acura RL
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• You may be able to save approximately $140 per year simply by quoting online in advance