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

Quick Facts

• An Acura TL is more expensive to insure than the average car.
• Liability only car insurance prices for a TL average around $97 monthly, while full coverage generally runs about $189 a month.
• AmericanAlliance offers the cheapest average rates for a TL with liability only coverage offered for as little as just $32 per month.

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TL Overview

With 2014 models starting at $36,030, the Acura TL is a great choice for a mid-level car. With four different trim levels currently offered, there's an option for every driver.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Acura TL insurance premiums average out to around $170 a month. How do car insurance rates for the TL compare to premiums of other similar cars?

How Much is Car Insurance for an Acura TL?

You'll see in the table above that Acura TL insurance rates are more expensive than average compared to other vehicles. TL owners usually pay about $97 monthly for liability insurance, and around $189 per month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other Acura models, the TL is slightly more expensive, with prices about 7% higher than the rest of the automaker's vehicle offerings. Similarly, compared to other vehicles of a similar body style, TL coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other cars.

When compared to all vehicles, regardless of model, make, or body style, the TL follows a similar pattern of having above average insurance prices.

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Who has the Cheapest Car Insurance for an Acura TL?

If you're in the market for an auto insurance policy for an Acura TL, you're likely interested in which company offers the lowest premiums. While rates can shift dramatically depending on your driver profile, Ohio Mutual has the lowest average rates for liability only coverage, with rates sometimes as little as $20 monthly. The runner up for most affordable rates is AmericanAlliance, with auto insurance policies starting sometimes as cheap as $32 a month.

USAA, Aspire, and Hugo round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, insurance companies look at a whole range of factors when calculating premiums, so your results might be different. The only way to guarantee you'll find the cheapest rates is to compare quotes from numerous car insurance carriers.

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What Factors Affect Car Insurance Rates for an Acura TL?

As we mentioned above, there are a variety of things that auto insurance companies use to determine how much they charge -- and each carrier weighs different variables more heavily than others, so there's not one company that's the most affordable for every TL driver.

The sections below show a bunch of variables car insurance carriers use to calculate rates:

Vehicle Age

Acura has been making the TL for quite some time -- and that means the car's age may play a big role in how much you'll pay for auto insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and TLs continue to depreciate, insurance costs will gradually go down.

A new Acura TL model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Acura TLs to insure are those that are 1 or less and 2 to 3 years old, while the most expensive models are TLs that are 8 to 10 years old, on average.

Your Age

Your age is another factor that plays a role in how much insurance companies will charge you. In the table above, you'll see that young drivers pay more compared to drivers with more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for TL drivers being 65 years and older.

Your Gender

You may not know, but men normally pay more for car insurance than women do. This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim. The Acura TL sticks to the norm, where men pay around $17 more than women monthly for insurance.

Where You Live

You might already know that factors such as what vehicle you drive and how old you are play a role in your auto insurance prices, but did you know that where you live matters, too? Insurance is regulated on a state-by-state basis, so premiums can vary quite a bit from state to state.

For example, the average Acura TL owner in New York pays about $281 per month for liability coverage. Meanwhile, the same Californian driver will pay only a quarter of that price, on average. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Acura TL Car Insurance Discounts

Regardless of your home state, your age, or your car, using as many discounts as possible when it comes to your insurance is always important when shopping around for a new policy.

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

• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than by monthly payments
• Multi-car discounts for insuring more than one of your vehicles with the same company

But these aren't the only discounts auto insurance carriers offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Even though you may not have control of every variable car insurance companies look at to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use in your favor in order to save money on insurance:

Your Driving Record

You've probably heard ads from auto insurance carriers offering big savings for responsible drivers. It follows that your insurance rates will go higher if you get speeding tickets or get into an accident. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Based on the table above, accidents will usually cost TL drivers more than tickets, but both will result in higher than average rates. Acura TL drivers with a single ticket will pay about $106 a month, while drivers with one accident on their record pay an average of $126 a month (up $29 from the $97/mo. overall average). Those with multiple violations of either kind will end up paying even more.

How Much You Drive

Another factor that affects your car insurance prices is the total amount of miles you drive each year. 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 TL owners who drive 10,000 miles or more pay $95 for car insurance, while those who drive fewer than 2,500 miles per year pay about $84 per month.

But if you don't drive much because have a second vehicle or you work from home, it may be worth reviewing pay-per-mile or usage-based auto insurance. With these kinds of plans, 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 TLs Compare to Other Vehicles?

If you're thinking about making an Acura TL your next purchase, it might be helpful to do your research. Auto insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Check out the table below to see how the Acura TL compares:

Overall, the Acura TL has an average MSRP and is on par with the going rate for a new vehicle. The TL has an MSRP of $36,030, close to the national average vehicle MSRP of $39,832. And since it's been awhile since a new TL model has been on the market, used prices will be even less expensive.

But while the purchase price runs about average, insurance premiums are higher when compared to the rest of the vehicle market. Liability insurance for an Acura TL is around $14 per month more than average, while full coverage is over $20 more a month.

When it comes to usage, Acura TL drivers are near the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the TL's 12,127 each year.

Acura TL Car Insurance Costs by Model Year

We've gone over many of the things that can affect how much the average driver pays to insure an Acura TL. If you're considering buying a new TL, 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

2014 Acura TL Car Insurance 2013 Acura TL Car Insurance 2012 Acura TL Car Insurance 2011 Acura TL Car Insurance 2010 Acura TL Car Insurance 2009 Acura TL Car Insurance 2008 Acura TL Car Insurance 2007 Acura TL Car Insurance 2006 Acura TL Car Insurance 2005 Acura TL Car Insurance 2004 Acura TL Car Insurance 2003 Acura TL Car Insurance 2002 Acura TL Car Insurance

2014 Acura TL Car Insurance

You can expect full coverage for a 2014 Acura TL to run about $198 monthly, while liability only coverage will average around $95 per month.

Ohio Mutual offered the lowest policy we found, with rates as cheap as just $20 monthly.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get several personalized quotes for free.

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2013 Acura TL Car Insurance

On average, drivers who own a 2013 TL can expect to pay $90 to $193 a month for liability only and full coverage auto insurance, respectively.

MetLife has premiums as little as $23 monthly for the 2013 Acura TL.

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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2012 Acura TL Car Insurance

The average cost to insure a 2012 Acura TL with liability only coverage is $120 per month, while full coverage runs about $197 a month.

With rates as cheap as $21 per month, Mercury offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2012 Acura TL, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Acura TL Car Insurance

2011 TL drivers can expect to pay an average of $157 monthly for liability or $210 for full coverage.

We found StateAuto offered the lowest policy, with rates sometimes as low as $21 a month.

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

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2010 Acura TL Car Insurance

It costs around $89 monthly for liability or $186 for a full coverage policy for the 2010 Acura TL.

With premiums as low as just $18 per month, Hugo offered the most affordable policy we found for the 2010 Acura TL.

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

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2009 Acura TL Car Insurance

On average, drivers who own a 2009 TL can expect to pay $103 to $175 a month for liability only and full coverage insurance, respectively.

Looking for the cheapest policy? Coverhound offered liability only coverage for as low as $22 per month.

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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2008 Acura TL Car Insurance

It costs about $98 a month for liability or $196 for a full coverage policy for the 2008 Acura TL.

If you're looking for the cheapest possible 2008 Acura TL insurance policy, Mercury offered the most affordable policy we found, with rates as little as $22 monthly.

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

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2007 Acura TL Car Insurance

The average cost to insure a 2007 TL with liability only coverage is $108 per month, while full coverage runs around $183 a month.

Looking for the lowest policy? Infinity offered liability only coverage for sometimes as cheap as $22 monthly.

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

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2006 Acura TL Car Insurance

You can expect full coverage for a 2006 Acura TL to run about $187 per month, while liability only coverage will average around $91 monthly.

With rates as low as $18 a month, StateAuto offered the most affordable policy we found.

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

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2005 Acura TL Car Insurance

2005 TL drivers can expect to pay an average of $105 per month for liability or $204 for full coverage.

MetroMile has prices sometimes as little as $20 a month for the 2005 Acura TL.

Interested in what your car insurance premium could look like? Get multiple personalized quotes for free by just entering your ZIP code below.

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2004 Acura TL Car Insurance

You can expect full coverage for a 2004 Acura TL to run about $177 monthly, while liability only coverage will average around $98 per month.

If you're looking for the most affordable 2004 Acura TL insurance policy, MetLife offered the cheapest policy we found, with rates as cheap as just $18 monthly.

If you want to find the best premiums for insurance for a 2004 Acura TL, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2003 Acura TL Car Insurance

It costs about $88 a month for liability or $173 for a full coverage policy for the 2003 TL.

Mercury offered the lowest policy we found, with rates as cheap as $19 monthly.

While these are good estimates of what the average driver might pay to insure a 2003 Acura TL, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2002 Acura TL Car Insurance

On average, drivers who own a 2002 Acura TL can expect to pay $86 to $200 per month for liability only and full coverage auto insurance, respectively.

We found MetLife offered the cheapest policy, with rates as low as just $18 a month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several customized quotes for free.

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Acura TL Insurance FAQs

Is an Acura TL expensive to insure?

The Acura TL is relatively expensive to insure compared to the average vehicle. Liability insurance runs an average of $97 per month, while full coverage will cost you around $189.

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

The only way to be sure you're getting the lowest price on car insurance is to regularly shop around and compare quotes from lots 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 many carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Acura TL affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's just a myth. Although there are many variables auto insurance companies look at when they decide your insurance rate, your vehicle's color is not used to make that determination.

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

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships might offer you a car insurance policy, but it's best to let your insurance company know beforehand.

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

There are all sorts of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the TL you drive, but if your TL has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about their list of discounts, since they differ quite a bit from company to company.