Acura Legend Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Acura Legend costs less than most other cars to insure.
• Full coverage auto insurance for a Legend tends to be about $137 monthly, on average, while liability only insurance generally runs around $71.
• Mile Auto is the lowest car insurance carrier for a Legend with a national average of just $24 a month for liability only coverage.

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Legend Overview

The Acura Legend is on the more expensive end of the spectrum, with base prices starting at $35,500 for 1995 models. There are four different trim levels currently available, so there's something there for every driver.

We ran through thousands of insurance quotes on Compare.com, and we've determined that, on average, Acura Legend car insurance rates run about $92 monthly. How do auto insurance premiums for the Legend compare to prices of other similar cars?

How Much is Car Insurance for an Acura Legend?

If you look at the table above, you'll find that compared to other vehicles, Acura Legend insurance premiums are more affordable than average. On average, Legend drivers can expect to pay around $137 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $71 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Compared to other models, the Legend is more affordable, with rates about 22% lower than the other vehicle types offered by Acura. Likewise, compared to other vehicles of a similar body style, Legend coverage is below average, with both full coverage and liability only insurance averaging less expensive prices than other cars.

They're also more affordable to insure than the average vehicle overall, regardless of make, body style, or model.

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Who has the Cheapest Car Insurance for an Acura Legend?

In the market for an auto insurance policy for your Acura Legend? You may want to know which company offers the cheapest prices. Although there will never be one carrier that offers the cheapest premiums for everyone, the most affordable average rates for liability only insurance are sometimes as little as $24 a month from Mile Auto. The runner up for cheapest rates is Safeway, with insurance policies starting as cheap as just $30 per month.

Completing the top 5 companies are Aspire, Mapfre, and Workmens. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take a lot of different factors into consideration when offering you rates. The only way to guarantee you find the most affordable rates is to compare quotes from quite a few car insurance carriers.

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What Factors Affect Car Insurance Rates for an Acura Legend?

There are a range of variables that auto insurance companies use to choose how much to charge for insurance -- and every company weighs certain pieces more than others, so there's not one carrier that's the lowest for everyone.

The sections below show lots of things auto insurance carriers use to determine rates:

Vehicle Age

Acura has been making the Legend for quite some time, so the car's age may make a difference in how much you'll pay for car insurance. Usually, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Legends continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Legend won't really fit this trend. However, as you can see in the table above, the most expensive Acura Legends to insure are those that are 15 years old or more, while the cheapest models are Legends that are 15 years old or more, on average.

Your Age

Age plays a big role in how much insurance companies will charge you. Based on the information in the table above, older Legend drivers pay less for auto insurance than young Legend drivers. Acura Legend drivers between 18 and 24 actually pay $48 more than those 25 or older.

Insurance prices continue to decrease as you get older, with drivers aged 65 years and older making up the cheapest age group for the Legend.

Your Gender

Because women are less likely to get into collisions and get tickets, they run a lower risk of filing a claim with insurance. When it comes to Legend drivers specifically, women pay around $11 less than men monthly for car insurance.

Where You Live

You may think it's obvious that variables like what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live can have just as much as an impact? Auto insurance is regulated on the state level rather than nationally, so prices can change quite a bit depending on where you live.

For example, the average Acura Legend owner from New York pays about $153 per month for liability coverage. Meanwhile, on average, the same driver in California will pay less than 50% of that price.

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Acura Legend Car Insurance Discounts

Regardless of what state you live in, what car you drive, or how old you are, it's always the smart move to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for having more than one vehicle on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same insurance company

These are just a few of the discounts insurance companies offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Of course, you can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but there is quite a bit of it that you can influence. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've no doubt observed ads from insurance carriers offering hefty discounts for good drivers. It checks out that if you get cited for speeding or get into a collision, auto insurance rates will go higher. But you're probably wondering exactly how much these infractions can cost you.

Based on the table above, accidents will usually cost Legend drivers less than tickets, but both will result in higher than average rates. Acura Legend drivers with one ticket will pay an average of $107 a month, while drivers with a single accident on their record pay about $85 every month (up $14 from the $71/mo. overall average). The rates only go up the more tickets you get or accidents you have.

How Much You Drive

The total distance you drive plays a role in your car insurance premiums. Those who are on the roads less are more likely to go accident-free, so they'll usually be offered less expensive prices. Based on the table above, you can see that Acura Legend owners who drive 10,000 miles or more pay $81 for auto insurance, while those who drive fewer than 2,500 miles per year pay about $53 monthly.

If you don't use your Acura Legend that often, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Acura Legends Compare to Other Vehicles?

If you're considering purchasing a new car and an Acura Legend is on your shortlist, you're probably wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Acura Legend compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Acura Legend is on the more expensive side when it comes to price. The Legend goes for $35,500, a bit more expensive than the national average vehicle price of $20,826. And since there hasn't been a new Legend model on the market in the last few years, used prices will be even more affordable.

Unlike the Legend's higher price, car insurance rates are slightly lower when compared to other vehicles on the market. Full coverage insurance for an Acura Legend is around $67 a month cheaper than average, while liability only coverage is $2 cheaper per month.

However, it is worth noting that the Legend owners tend to drive their cars less than the average American driver, with only 10,492 annual miles for the average owner.

Acura Legend Car Insurance Costs by Model Year

You've seen how different things can affect how much you might pay for auto insurance. If you're considering buying a new Legend, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your options.

Choose Your Model

1995 Acura Legend Car Insurance 1994 Acura Legend Car Insurance 1993 Acura Legend Car Insurance 1992 Acura Legend Car Insurance 1991 Acura Legend Car Insurance 1990 Acura Legend Car Insurance 1989 Acura Legend Car Insurance 1988 Acura Legend Car Insurance 1987 Acura Legend Car Insurance 1986 Acura Legend Car Insurance

1995 Acura Legend Car Insurance

It costs about $79 a month for liability or $102 for a full coverage policy for the 1995 Legend.

MetLife has prices as little as just $21 monthly for the 1995 Acura Legend.

Interested in what your car insurance rate could look like? Enter your ZIP code below to get a variety of personalized quotes for free.

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1994 Acura Legend Car Insurance

You can expect full coverage for a 1994 Acura Legend to run around $135 a month, while liability only coverage will average about $62 per month.

With rates as little as $25 monthly, Mercury offered the lowest policy we found for the 1994 Acura Legend.

If you want to know exactly how much you can expect to pay for your Legend, just enter your ZIP code below and get free quotes in minutes.

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1993 Acura Legend Car Insurance

On average, drivers who own a 1993 Legend can expect to pay $83 to $116 a month for liability only and full coverage insurance, respectively.

We found Mapfre offered the most affordable policy, with rates as cheap as $22 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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1992 Acura Legend Car Insurance

1992 Acura Legend drivers can expect to pay an average of $83 monthly for liability or $138 for full coverage.

Mapfre offered the cheapest policy we found, with rates as low as $22 a month.

Interested in what your auto insurance price will be? Get lots of free personalized quotes by just entering your ZIP code below.

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1991 Acura Legend Car Insurance

The average cost to insure a 1991 Legend with liability only coverage is $72 per month, while full coverage runs around $236 monthly.

With premiums sometimes as low as $21 per month, Mapfre offered the lowest policy we found.

These average prices are a great starting point if you're in the market for a 1991 Acura Legend, but there are a range of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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1990 Acura Legend Car Insurance

It costs about $62 monthly for liability or $144 for a full coverage policy for the 1990 Acura Legend.

Looking for the most affordable policy? Mercury offered liability only coverage for sometimes as cheap as $26 a month.

While these are good estimates of what the average driver might pay to insure a 1990 Acura Legend, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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1989 Acura Legend Car Insurance

You can expect full coverage for a 1989 Legend to run around $89 per month, while liability only coverage will average about $58 a month.

If you're looking for the cheapest possible 1989 Acura Legend insurance policy, Mercury offered the cheapest policy we found, with rates as low as just $27 monthly.

Want something more accurate than national averages? Just enter your ZIP code below to get multiple personalized quotes for free.

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1988 Acura Legend Car Insurance

1988 Acura Legend drivers can expect to pay an average of $48 per month for liability or $64 for full coverage.

With prices as cheap as $26 a month, Workmens offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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1987 Acura Legend Car Insurance

On average, drivers who own a 1987 Legend can expect to pay $64 to $99 monthly for liability only and full coverage insurance, respectively.

Dashers has rates as low as just $33 per month for the 1987 Acura Legend.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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1986 Acura Legend Car Insurance

The average cost to insure a 1986 Acura Legend with liability only coverage is $63 monthly, while full coverage runs around $136 a month.

If you're looking for the most affordable 1986 Acura Legend insurance policy, The Hartford offered the lowest policy we found, with rates sometimes as little as $27 monthly.

Interested in just how much you'll pay? Enter your ZIP code below to get several free customized quotes.

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Acura Legend Insurance FAQs

Is an Acura Legend expensive to insure?

Liability insurance runs an average of $71 a month, while full coverage will cost you around $137. When compared to the national average of all cars, premiums come in on the lower end of the spectrum.

How can I get the best price on car insurance for my Acura Legend?

The only way to ensure you're getting the most affordable price on auto insurance is to check prices regularly and compare quotes from a whole bunch of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Acura Legend affect my insurance prices?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's just a myth. There are a multitude of things car insurance companies consider when they decide how much to charge you for a policy, but your Acura Legend's color isn't one of them.

Do I need to have insurance before I buy an Acura Legend?

Before you can legally drive your new (or new to you) Legend off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a a new car is to talk with your car insurance carrier beforehand.

What car insurance discounts can I get for my Acura Legend?

You will find a bunch of discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your Legend has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to find out is to get in touch with your insurance company and ask about their discounts.