Acura TL Insurance Rates
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UPDATED: Apr 26, 2024
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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.
U.S. average auto insurance rates for an Acura TL are $1,182 annually including full coverage. Comprehensive insurance costs around $210, collision insurance costs $340, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,556 or more. Teenage drivers pay the highest rates at up to $4,630 a year.
Average premium for full coverage: $1,182
Price estimates for individual coverage:
Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different TL trim levels.
Price Range from Low to High
For the average 40-year-old driver, Acura TL insurance prices range from as cheap as $522 for liability-only coverage to a much higher rate of $2,556 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than relying 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 TL insurance rates for additional coverage choices and driver risks.
- The best discount rate is $697
- Choosing higher $1,000 deductibles can save about $126 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,182
- Using more expensive low deductibles for comp and collision coverage costs an additional $240 a year
- High-risk insureds who are prone to accidents and violations could pay at least $2,556
- The price with full coverage for a teen driver with full coverage can be $4,630 each year
Insurance prices for an Acura TL are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $370 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Acura TL insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,690 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,068 | -$114 | -9.6% |
| Alaska | $906 | -$276 | -23.4% |
| Arizona | $980 | -$202 | -17.1% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,130 | -$52 | -4.4% |
| Connecticut | $1,214 | $32 | 2.7% |
| Delaware | $1,338 | $156 | 13.2% |
| Florida | $1,480 | $298 | 25.2% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $850 | -$332 | -28.1% |
| Idaho | $798 | -$384 | -32.5% |
| Illinois | $878 | -$304 | -25.7% |
| Indiana | $888 | -$294 | -24.9% |
| Iowa | $798 | -$384 | -32.5% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,748 | $566 | 47.9% |
| Maine | $730 | -$452 | -38.2% |
| Maryland | $974 | -$208 | -17.6% |
| Massachusetts | $946 | -$236 | -20.0% |
| Michigan | $2,054 | $872 | 73.8% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,414 | $232 | 19.6% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,268 | $86 | 7.3% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $850 | -$332 | -28.1% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,246 | $64 | 5.4% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,080 | -$102 | -8.6% |
| Pennsylvania | $1,128 | -$54 | -4.6% |
| Rhode Island | $1,574 | $392 | 33.2% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,034 | -$148 | -12.5% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $914 | -$268 | -22.7% |
| West Virginia | $1,084 | -$98 | -8.3% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,054 | -$128 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura TL 3.5 | $1,156 | $96 |
| Acura TL 3.5 W/Technology Package | $1,182 | $99 |
| Acura TL 3.7 SH AWD | $1,182 | $99 |
| Acura TL 3.7 SH W/Technology Package AWD | $1,208 | $101 |
Rates assume 2013 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 |
|---|---|---|---|---|
| 2014 Acura TL | $216 | $364 | $464 | $1,202 |
| 2013 Acura TL | $210 | $340 | $474 | $1,182 |
| 2012 Acura TL | $194 | $316 | $474 | $1,142 |
| 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 Buy More Affordable Acura TL Insurance
Getting lower rates on Acura TL insurance takes being a safe and courteous driver, having good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates every year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a summary of the coverage data touched on in this article.
- You may be able to save up to $140 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $375 each year
- Teenage drivers are charged the highest prices, possibly costing $386 a month if they have full coverage
- High-risk drivers who have multiple accidents or major violations may pay on average $1,370 more every year for auto insurance
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 | $4,630 |
| 20 | $2,718 |
| 30 | $1,214 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,422 |
| $250 | $1,310 |
| $500 | $1,182 |
| $1,000 | $1,056 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,303 |
| 100/300 | $1,421 |
| 250/500 | $1,729 |
| 100 CSL | $1,350 |
| 300 CSL | $1,611 |
| 500 CSL | $1,801 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,560 |
| 20 | $4,336 |
| 30 | $2,590 |
| 40 | $2,556 |
| 50 | $2,444 |
| 60 | $2,418 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $82 |
| Total Discounts | $485 |
Discounts are estimated and may not be available from every company or in every state.
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