Acura RL Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Apr 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for an Acura RL are $1,230 every 12 months for full coverage insurance. Comprehensive costs approximately $236, collision insurance costs $358, and liability is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs around $2,652. Teen drivers pay the highest rates at up to $4,760 a year.
Average premium for full coverage: $1,230
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all RL models.
Price Range from Low to High
Using a 40-year-old driver as an example, Acura RL insurance prices range from the cheapest price of $526 for liability-only coverage to the much higher price of $2,652 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why everyone should compare rates quotes using their specific location and their own driving history, instead of using price averages.
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 illustrates average Acura RL insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $726
- Raising to $1,000 deductibles will save $136 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,230
- Choosing pricier low deductibles increases the price to $1,488
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,652
- The price to insure a teen driver for full coverage can cost $4,760
Insurance prices for an Acura RL are also quite variable based on deductibles and policy limits, your risk profile, and the model of your RL.
Choosing high deductibles can reduce prices by up to $400 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,000 additional each year, depending on your age. Acura RL insurance for high-risk drivers is expensive and can cost as much as 42% to 136% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Acura RL insurance prices. A middle-age driver might find prices as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,660 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,112 | -$118 | -9.6% |
| Alaska | $944 | -$286 | -23.3% |
| Arizona | $1,020 | -$210 | -17.1% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,402 | $172 | 14.0% |
| Colorado | $1,176 | -$54 | -4.4% |
| Connecticut | $1,262 | $32 | 2.6% |
| Delaware | $1,392 | $162 | 13.2% |
| Florida | $1,538 | $308 | 25.0% |
| Georgia | $1,134 | -$96 | -7.8% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $916 | -$314 | -25.5% |
| Indiana | $926 | -$304 | -24.7% |
| Iowa | $830 | -$400 | -32.5% |
| Kansas | $1,170 | -$60 | -4.9% |
| Kentucky | $1,678 | $448 | 36.4% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $758 | -$472 | -38.4% |
| Maryland | $1,012 | -$218 | -17.7% |
| Massachusetts | $984 | -$246 | -20.0% |
| Michigan | $2,136 | $906 | 73.7% |
| Minnesota | $1,028 | -$202 | -16.4% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,092 | -$138 | -11.2% |
| Montana | $1,322 | $92 | 7.5% |
| Nebraska | $970 | -$260 | -21.1% |
| Nevada | $1,474 | $244 | 19.8% |
| New Hampshire | $886 | -$344 | -28.0% |
| New Jersey | $1,376 | $146 | 11.9% |
| New Mexico | $1,088 | -$142 | -11.5% |
| New York | $1,294 | $64 | 5.2% |
| North Carolina | $708 | -$522 | -42.4% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $850 | -$380 | -30.9% |
| Oklahoma | $1,262 | $32 | 2.6% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,174 | -$56 | -4.6% |
| Rhode Island | $1,640 | $410 | 33.3% |
| South Carolina | $1,114 | -$116 | -9.4% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,076 | -$154 | -12.5% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $910 | -$320 | -26.0% |
| Vermont | $842 | -$388 | -31.5% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $950 | -$280 | -22.8% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $852 | -$378 | -30.7% |
| Wyoming | $1,096 | -$134 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura RL 3.7 | $1,206 | $101 |
| Acura RL 3.7 with Tech Package | $1,230 | $103 |
| Acura RL 3.7 with Tech/CMBS Package | $1,230 | $103 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Acura RL | $242 | $394 | $474 | $1,268 |
| 2011 Acura RL | $236 | $358 | $478 | $1,230 |
| 2010 Acura RL | $220 | $326 | $474 | $1,178 |
| 2005 Acura RL | $178 | $236 | $446 | $1,018 |
| 2004 Acura RL | $172 | $224 | $442 | $996 |
Rates are averaged for all Acura RL 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 Cheaper Acura RL Insurance
Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a condensed summary of the ideas that were raised in the charts and tables above.
- Teenagers are the costliest to insure, as much as $397 a month if full coverage is included
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,420 more per year for car insurance
- Increasing physical damage deductibles could save as much as $400 each year
- It is possible to save around $140 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,760 |
| 20 | $2,812 |
| 30 | $1,266 |
| 40 | $1,230 |
| 50 | $1,126 |
| 60 | $1,102 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,368 |
| $500 | $1,230 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,326 |
| 100/300 | $1,445 |
| 250/500 | $1,756 |
| 100 CSL | $1,373 |
| 300 CSL | $1,636 |
| 500 CSL | $1,828 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,752 |
| 20 | $4,486 |
| 30 | $2,692 |
| 40 | $2,652 |
| 50 | $2,532 |
| 60 | $2,508 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $86 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
