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

Quick Facts

• Insuring an Acura RL costs about the same as insuring the average car.
• Full coverage for a RL normally tends to be about $182 per month, while liability only insurance premiums come in at around $95 monthly.
• CaliforniaCasualty offers the cheapest average rates for a RL with liability only coverage offered for as little as $26 per month.

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RL Overview

With 2012 models starting at $47,700, the Acura RL is a high-end vehicle that is more expensive than your average car.

Based on reviewing thousands of auto insurance quotes from Compare.com, we've found that Acura RL car insurance rates average out to about $155 a month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for an Acura RL?

If you look at the table above, you'll find that when you compare the Acura RL to other vehicles, insurance prices are right around average. On average, RL drivers can expect to pay about $95 monthly for liability insurance, and around $182 per month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Compared to other models, the RL is matches Acura's vehicle offerings. However, compared to other vehicles of a similar body style, RL coverage is higher than average, with both liability only and full coverage insurance averaging more expensive premiums than other cars.

Compared to all vehicles of any body type, the RL has more expensive rates than average for both full coverage and liability only auto insurance.

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Who has the Cheapest Car Insurance for an Acura RL?

If you're looking for a car insurance policy for an Acura RL, you're probably most interested in which company offers the lowest rates. Even though there will never be one carrier that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $26 a month from CaliforniaCasualty. With car insurance sometimes as cheap as $36 monthly, Ohio Mutual is the next lowest car insurance company.

Hugo, Arrowhead, and DirectGeneral round out the end of the top 5 list. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Acura RL.

Car insurance companies use a wide array of factors and complex formulas to calculate premiums. By pulling quotes from multiple insurance carriers at once, you can guarantee you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for an Acura RL?

There are a range of attributes that auto insurance companies consider to calculate how much they charge you for a policy -- and each carrier uses a different algorithm, so there's not a singular company that's the lowest for every RL driver.

Here are just a few of the things car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Acura RL has been around for a while, so vehicle age will likely make a big difference in what you end up paying for car insurance. Normally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually decrease.

Since a new model has not been added to the market for at least 5 years, the RL won't really fit this trend. However, as you can see in the table above, the cheapest Acura RLs to insure are those that are 4 to 5 years old, while the most expensive models are RLs that are 8 to 10 years old, on average.

Your Age

Your age is another factor that makes a difference in how much you pay for insurance. As you can see in the table above, teenage drivers pay more for car insurance than drivers who have more experience on the road. In this case, drivers under 18 pay $85 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for RL drivers being 65 years and older.

Your Gender

Women usually to pay less for auto insurance than men. This is because men are more likely to get tickets and get into accidents, which increases the chances of an insurance claim. When it comes to RL drivers specifically, men pay about $100 a month for insurance, while women pay around $88.

Where You Live

You're probably already aware that variables like what vehicle you drive and how old you are play a role in your car insurance prices, but did you know that where you live is just as important? Insurance is regulated on the state level rather than nationally, so premiums change quite a bit depending on where you live.

For example, the average Acura RL owner in New York pays about $303 per month for liability coverage. Meanwhile, the same driver from California will pay only a fifth of that price, on average. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

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Acura RL Car Insurance Discounts

Regardless of your car, your age, or your home state, it's always in your best interest to take advantage of as many insurance discounts as possible.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

• Multi-vehicle discounts for having several cars on your auto policy
• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• 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

However, discounts aren't the only way to save. Often, it's actually having a good driving record and positive insurance history that get you the lowest rates.

While you don't have control over every variable car insurance carriers look at to calculate prices (like some of the ones mentioned above), you can control some of them. Below are just a few of the factors you can use to your favor when it comes to saving some cash:

Your Driving Record

You've most likely seen ads from auto insurance companies posting big savings for responsible drivers. It follows that your insurance rates will go up if you get into a collision or get tickets. But exactly how much is it going to cost you for these infractions?

Looking at the table above, you'll see that accidents will usually cost RL drivers more than tickets, but both will cause a significant increase in rates. Acura RL drivers with a single ticket will pay about $103 a month, while drivers with one accident on their record pay an average of $111 a month (up $16 from the $95/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

How much you drive annually plays a big role when it comes to your car insurance premiums. Those who drive less are more likely to go accident-free, so they'll generally end up spending less on auto insurance. In the above table, you can see that Acura RL owners who drive more than 10,000 miles per year pay an average of $85 monthly for insurance, while those who put less than 2,500 miles on their cars pay $131.

If you're one of those drivers who don't put very many miles on your Acura RL each year, it may be worth getting pay-per-mile or usage-based car insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Acura RLs Compare to Other Vehicles?

If you're thinking about buying an Acura RL, it might be helpful to do your research. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Acura RL compares:

Overall, the Acura RL is on the more expensive side when it comes to price, with an MSRP that's a quarter more than the going rate for a new vehicle. While the national average vehicle MSRP is $37,225, the RL comes in above that at $47,700. And since there hasn't been a new RL model on the market in the last few years, used prices will be even less expensive.

Unlike the RL's higher price, insurance prices are lower when compared to other vehicles on the market. Liability insurance for an Acura RL is around $48 per month less than average, while full coverage is more than $20 less per month.

When it comes to usage, Acura RL drivers are pretty close to the national average in annual miles driven, with 11,713 miles each year compared to 11,617 for all vehicles.

Acura RL Car Insurance Costs by Model Year

Thus far, you've seen how different things have an impact on how much the average driver pays to insure an Acura RL. If you're considering buying a new RL, knowing what you can expect to pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2012 Acura RL Car Insurance 2011 Acura RL Car Insurance 2010 Acura RL Car Insurance 2009 Acura RL Car Insurance 2008 Acura RL Car Insurance 2007 Acura RL Car Insurance 2006 Acura RL Car Insurance 2005 Acura RL Car Insurance 2004 Acura RL Car Insurance 2003 Acura RL Car Insurance 2002 Acura RL Car Insurance 2001 Acura RL Car Insurance 2000 Acura RL Car Insurance

2012 Acura RL Car Insurance

The average cost to insure a 2012 Acura RL with liability only coverage is $33 a month, while full coverage runs about $144 monthly.

With rates as cheap as $30 per month, TwentyFirstCentury offered the cheapest policy we found for the 2012 Acura RL.

Interested in exactly how much you'll pay? Enter your ZIP code below to get multiple free personalized quotes.

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2011 Acura RL Car Insurance

It costs around $226 monthly for liability or $136 for a full coverage policy for the 2011 RL.

We found Liberty Mutual offered the most affordable policy, with rates sometimes as little as $22 a month.

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

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2010 Acura RL Car Insurance

On average, drivers who own a 2010 Acura RL can expect to pay $82 to $195 monthly for liability only and full coverage insurance, respectively.

If you're looking for the most affordable 2010 Acura RL insurance policy, MetroMile offered the cheapest policy we found, with rates as low as just $44 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2010 Acura RL, you can get free quotes in minutes by just entering your ZIP code below.

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2009 Acura RL Car Insurance

You can expect full coverage for a 2009 RL to run about $188 per month, while liability only coverage will average around $95 monthly.

Elephant offered the lowest policy we found, with rates as low as $29 per month.

Want something more accurate than national averages? Get several personalized quotes for free by just entering your ZIP code below.

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2008 Acura RL Car Insurance

2008 Acura RL drivers can expect to pay an average of $167 a month for liability or $216 for full coverage.

With prices sometimes as low as $19 monthly, Elephant offered the most affordable policy we found.

These average rates are a great starting point if you're in the market for a 2008 Acura RL, but there are a multitude of variables 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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2007 Acura RL Car Insurance

It costs about $77 a month for liability or $156 for a full coverage policy for the 2007 RL.

Looking for the lowest policy? Elephant offered liability only coverage for as cheap as just $19 per month.

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

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2006 Acura RL Car Insurance

You can expect full coverage for a 2006 Acura RL to run around $169 a month, while liability only coverage will average about $90 per month.

MetLife has premiums as little as just $18 monthly for the 2006 Acura RL.

Want something more accurate than nationwide averages? Get a variety of free customized quotes by just entering your ZIP code below.

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2005 Acura RL Car Insurance

On average, drivers who own a 2005 RL can expect to pay $90 to $181 a month for liability only and full coverage car insurance, respectively.

Looking for the cheapest policy? Clearcover offered liability only coverage for as cheap as $24 per month.

If you want to find the best rates for insurance for a 2005 Acura RL, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2004 Acura RL Car Insurance

The average cost to insure a 2004 Acura RL with liability only coverage is $95 monthly, while full coverage runs around $198 per month.

MetroMile offered the lowest policy we found, with rates sometimes as low as $19 a month.

While these are good estimates of what the average driver might pay to insure a 2004 Acura RL, 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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2003 Acura RL Car Insurance

2003 RL drivers can expect to pay an average of $82 monthly for liability or $145 for full coverage.

We found Elephant offered the cheapest policy, with rates as little as just $35 per month.

Interested in what your car insurance price will be? Enter your ZIP code below to get lots of personalized quotes for free.

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2002 Acura RL Car Insurance

The average cost to insure a 2002 Acura RL with liability only coverage is $92 monthly, while full coverage runs about $199 a month.

With prices sometimes as cheap as $24 per month, MetroMile offered the most affordable policy we found.

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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2001 Acura RL Car Insurance

You can expect full coverage for a 2001 RL to run around $170 a month, while liability only coverage will average about $95 monthly.

If you're looking for the lowest possible 2001 Acura RL insurance policy, Mercury offered the lowest policy we found, with rates as cheap as just $28 per month.

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

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2000 Acura RL Car Insurance

It costs around $96 a month for liability or $137 for a full coverage policy for the 2000 Acura RL.

With rates as little as $26 monthly, Encompass offered the cheapest policy we found for the 2000 Acura RL.

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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Acura RL Insurance FAQs

Is an Acura RL expensive to insure?

The cost of auto insurance for the Acura RL is about the same as insuring the average vehicle. Liability insurance runs an average of $95 per month, while full coverage will cost you around $182.

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

There's only one way to be sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a wide array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from lots of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

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

You may have heard the old adage that it costs more to insure a red car, but that's actually a myth. Although there are many factors insurance carriers look at when they calculate your premiums, the color of your car is not used to make that determination.

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

Before you can legally drive your new (or new to you) Acura RL off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your car insurance company know before you buy.

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

There are a bunch of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your RL has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to be certain is to contact your insurance carrier and ask about which discounts they offer, since they shift quite a bit from company to company.