Acura TL Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 26, 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.
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 rates for an Acura TL are $1,112 a year for full coverage insurance. Comprehensive costs an estimated $190 each year, collision costs $286, and liability insurance costs $478. A liability-only policy costs as little as $526 a year, with high-risk insurance costing around $2,400. Teens cost the most to insure at $4,410 a year or more.
Average premium for full coverage: $1,112
Policy rates broken down by type of insurance:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and TL models.
Price Range Variability
For the average driver, Acura TL insurance rates go from as low as $526 for the bare minimum liability coverage to a high rate of $2,400 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how location impacts insurance prices.
The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, 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 Information
The chart below illustrates estimated Acura TL insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $663
- Drivers who choose higher $1,000 deductibles will pay approximately $108 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,112
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $1,320
- High risk drivers with serious driving violations could pay up to $2,400 or more
- Policy cost for full coverage for a teen driver can cost as much as $4,410 a year
Car insurance rates for an Acura TL also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,400 a year. View Rates by Age
Your home state makes a big difference in Acura TL insurance rates. A 40-year-old driver could pay as low as $730 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,500 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,006 | -$106 | -9.5% |
| Alaska | $854 | -$258 | -23.2% |
| Arizona | $924 | -$188 | -16.9% |
| Arkansas | $1,112 | -$0 | 0.0% |
| California | $1,266 | $154 | 13.8% |
| Colorado | $1,064 | -$48 | -4.3% |
| Connecticut | $1,142 | $30 | 2.7% |
| Delaware | $1,258 | $146 | 13.1% |
| Florida | $1,392 | $280 | 25.2% |
| Georgia | $1,026 | -$86 | -7.7% |
| Hawaii | $798 | -$314 | -28.2% |
| Idaho | $752 | -$360 | -32.4% |
| Illinois | $830 | -$282 | -25.4% |
| Indiana | $838 | -$274 | -24.6% |
| Iowa | $750 | -$362 | -32.6% |
| Kansas | $1,058 | -$54 | -4.9% |
| Kentucky | $1,516 | $404 | 36.3% |
| Louisiana | $1,644 | $532 | 47.8% |
| Maine | $686 | -$426 | -38.3% |
| Maryland | $916 | -$196 | -17.6% |
| Massachusetts | $890 | -$222 | -20.0% |
| Michigan | $1,932 | $820 | 73.7% |
| Minnesota | $930 | -$182 | -16.4% |
| Mississippi | $1,332 | $220 | 19.8% |
| Missouri | $986 | -$126 | -11.3% |
| Montana | $1,196 | $84 | 7.6% |
| Nebraska | $878 | -$234 | -21.0% |
| Nevada | $1,332 | $220 | 19.8% |
| New Hampshire | $800 | -$312 | -28.1% |
| New Jersey | $1,244 | $132 | 11.9% |
| New Mexico | $984 | -$128 | -11.5% |
| New York | $1,170 | $58 | 5.2% |
| North Carolina | $640 | -$472 | -42.4% |
| North Dakota | $910 | -$202 | -18.2% |
| Ohio | $768 | -$344 | -30.9% |
| Oklahoma | $1,142 | $30 | 2.7% |
| Oregon | $1,018 | -$94 | -8.5% |
| Pennsylvania | $1,060 | -$52 | -4.7% |
| Rhode Island | $1,484 | $372 | 33.5% |
| South Carolina | $1,006 | -$106 | -9.5% |
| South Dakota | $938 | -$174 | -15.6% |
| Tennessee | $974 | -$138 | -12.4% |
| Texas | $1,340 | $228 | 20.5% |
| Utah | $824 | -$288 | -25.9% |
| Vermont | $762 | -$350 | -31.5% |
| Virginia | $666 | -$446 | -40.1% |
| Washington | $858 | -$254 | -22.8% |
| West Virginia | $1,018 | -$94 | -8.5% |
| Wisconsin | $770 | -$342 | -30.8% |
| Wyoming | $990 | -$122 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $320 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,300 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Acura TL 3.5 | $1,090 | $91 |
| Acura TL 3.5 W/Technology Package | $1,112 | $93 |
| Acura TL 3.7 SH AWD | $1,112 | $93 |
| Acura TL 3.7 SH W/Technology Package AWD | $1,134 | $95 |
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 | $194 | $316 | $474 | $1,142 |
| 2013 Acura TL | $190 | $286 | $478 | $1,112 |
| 2012 Acura TL | $176 | $262 | $474 | $1,070 |
| 2011 Acura TL | $166 | $238 | $474 | $1,036 |
| 2010 Acura TL | $162 | $214 | $468 | $1,002 |
| 2009 Acura TL | $158 | $208 | $460 | $984 |
| 2007 Acura TL | $142 | $190 | $446 | $936 |
| 2006 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 Find Cheaper Acura TL Insurance
Finding cheaper rates on Acura TL insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and not having any coverage lapses. Spend time shopping around once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below you'll find a condensed summary of the data that was touched on above.
- It is possible to save approximately $130 per year simply by quoting online in advance
- Drivers who want more liability protection will pay approximately $530 annually to go from a 30/60 limit to 250/500 limits
- Youthful drivers have the highest car insurance rates, possibly costing $368 each month if full coverage is included
- High-risk drivers with multiple at-fault accidents pay on average $1,290 more annually than a low-risk driver
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $4,410 |
| 20 | $2,552 |
| 30 | $1,136 |
| 40 | $1,112 |
| 50 | $1,020 |
| 60 | $998 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,320 |
| $250 | $1,224 |
| $500 | $1,112 |
| $1,000 | $1,004 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,112 |
| 50/100 | $1,230 |
| 100/300 | $1,349 |
| 250/500 | $1,660 |
| 100 CSL | $1,277 |
| 300 CSL | $1,540 |
| 500 CSL | $1,732 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,236 |
| 20 | $4,072 |
| 30 | $2,428 |
| 40 | $2,400 |
| 50 | $2,296 |
| 60 | $2,274 |
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 | $57 |
| Multi-vehicle | $60 |
| Homeowner | $19 |
| 5-yr Accident Free | $72 |
| 5-yr Claim Free | $71 |
| Paid in Full/EFT | $43 |
| Advance Quote | $51 |
| Online Quote | $76 |
| Total Discounts | $449 |
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
