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

Quick Facts

• An Acura TLX is more expensive to insure compared to the average car.
• Liability auto insurance for a TLX tends to be about $110 monthly, while full coverage normally comes in at around $197 a month.
• The cheapest insurance company for a TLX is AmericanAlliance.

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TLX Overview

Coming in at $41,500 for 2021 models, the Acura TLX is a great mid-level option for any driver. With five different trim levels currently available, every driver can find an option to match their style.

Based on analyzing thousands of auto insurance quotes from Compare.com, we've found that average Acura TLX car insurance premiums run about $196 monthly. But how does that fare against its competitors?

How Much is Car Insurance for an Acura TLX?

If you look at the table above, you'll find that auto insurance prices for an Acura TLX are more expensive than average. On average, TLX owners will pay around $110 a month for liability insurance, and about $197 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).

When compared to other Acura models, the TLX is more expensive, with rates more than 10% higher than the rest of the company's vehicle lineup. Similarly, compared to other vehicles of a similar body style, TLX coverage is above average, with both liability only and full coverage insurance averaging more expensive prices than other cars.

Unsurprisingly, they're overall more expensive to insure than the average vehicle, regardless of which body style, make, or model you compare it to.

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Who has the Cheapest Car Insurance for an Acura TLX?

If you're browsing for a new auto insurance policy for your Acura TLX, you're likely interested in which carrier offers the cheapest premiums. While costs will generally be pretty different from between drivers, Ohio Mutual offers the most affordable average rates for liability only coverage, with rates sometimes as little as $27 a month. The next lowest company is Hugo, who offers car insurance as cheap as just $31 per month.

The third, fourth, and fifth carriers on the list are Sun Coast, FirstChicago, and Aspire. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since insurance carriers look at a wide array of different factors when calculating rates. By pulling quotes from a whole range of car insurance companies at once, you can rest easy knowing that you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for an Acura TLX?

As we mentioned above, there are a bunch of things that insurance carriers look at to determine how much they charge you for a policy -- and each carrier weighs different attributes more heavily than others, so there's not one single company that's the most affordable for every TLX driver.

Keep reading to learn which variables auto insurance companies look at and how they affect your final rate:

Vehicle Age

The Acura TLX has been around for a while -- that means vehicle age can make a big difference in what you end up paying for insurance. Typically, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and TLXs begin to depreciate, insurance costs will gradually go down.

As you can see in the table above, the Acura TLX is inline with this trend, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest models are TLXs that are 6 to 7 years old, on average.

Your Age

Age is another factor that makes a difference in how much car insurance carriers will charge for a policy. As you can see in the table above, younger TLX drivers pay more for auto insurance than drivers who have more experience. In this case, drivers who are 18 to 24 pay $48 more than those 25 or older.

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

Your Gender

Women typically to pay less for car insurance than men. This is because men are more likely to get speeding tickets and get into collisions, which raises the chances of an insurance claim. When it comes to TLX drivers specifically, men pay around $116 monthly for auto insurance, while women pay about $98.

Where You Live

It may seem like common sense that factors such as 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 matter just as much? Car insurance is regulated on the state level rather than nationally, so premiums fluctuate quite a bit from state to state.

For example, the average Acura TLX owner in New York pays around $233 per month for liability coverage, while on average, the same driver in California will pay only a quarter of that price. The chart shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

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Acura TLX Car Insurance Discounts

Regardless of your home state, your car, or your age, it's always a smart move to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Multi-vehicle discounts for adding more than one car to your auto policy
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution

But these aren't the only discounts auto insurance carriers offer to their customers.

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

Your Driving Record

It's no secret that insurance carriers offer the lowest premiums to drivers with a history of responsible driving. It makes sense that if you get speeding tickets or get into a collision, car insurance prices will get higher. But exactly how much is it going to cost you for these infractions?

Looking at the table above, you'll notice that accidents will usually cost TLX drivers more than tickets, but both will result in higher than normal rates. Acura TLX drivers with a single ticket will pay an average of $120 monthly, while drivers with one accident on their record pay about $122 a month (up $12 from the $110/mo. overall average). Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

The total distance you drive annually plays a big role in your insurance rates. Those who drive less are more likely to go accident-free, so they'll usually be offered more affordable prices. In the above table, you can see that Acura TLX owners who drive between 5,000 and 7,500 miles per year pay an average of $88 a month for auto insurance, while those who put less than 2,500 miles on their cars pay $149.

But if you're one of those drivers who don't put very many miles on your Acura TLX each year, it may be worth considering pay-per-mile or usage-based car insurance. With these plans, 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 TLXs Compare to Other Vehicles?

If you're thinking about making an Acura TLX your next vehicle, you might want to know how it compares to other cars. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Acura TLX stacks up:

Overall, the Acura TLX has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle MSRP is $46,296, and the TLX comes in close to that at $41,500.

Although the TLX has a pretty average price, insurance premiums run slightly above average when compared to other vehicles on the market. Liability insurance for an Acura TLX is about $8 per month less than average, while full coverage is over $40 more monthly.

When it comes to usage, Acura TLX drivers are near the national average in annual miles driven, with 11,562 miles each year compared to 11,617 for all vehicles.

Acura TLX Car Insurance Costs by Model Year

You've seen how different things can affect how much the average driver pays to insure an Acura TLX. But if you're considering buying a new vehicle and the TLX is one you're thinking about, knowing how much your vehicle will likely cost is extremely valuable as you weigh your choices.

Choose Your Model

2021 Acura TLX Car Insurance 2020 Acura TLX Car Insurance 2019 Acura TLX Car Insurance 2018 Acura TLX Car Insurance 2017 Acura TLX Car Insurance 2016 Acura TLX Car Insurance 2015 Acura TLX Car Insurance

2021 Acura TLX Car Insurance

2021 Acura TLX drivers can expect to pay an average of $73 per month for liability or $213 for full coverage.

Looking for the cheapest policy? Aspire offered liability only coverage for sometimes as cheap as $38 a month.

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

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2020 Acura TLX Car Insurance

It costs around $112 per month for liability or $198 for a full coverage policy for the 2020 TLX.

With premiums sometimes as low as $25 a month, Clearcover offered the lowest policy we found for the 2020 Acura TLX.

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

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2019 Acura TLX Car Insurance

On average, drivers who own a 2019 Acura TLX can expect to pay $168 to $241 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the cheapest possible 2019 Acura TLX insurance policy, Commonwealth Casualty offered the most affordable policy we found, with rates as low as $38 per month.

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

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2018 Acura TLX Car Insurance

The average cost to insure a 2018 TLX with liability only coverage is $102 monthly, while full coverage runs about $212 a month.

Hugo offered the cheapest policy we found, with rates as low as just $21 per month.

Want to find the most affordable rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing several personalized quotes from the nation's top insurance companies.

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2017 Acura TLX Car Insurance

You can expect full coverage for a 2017 Acura TLX to run around $196 a month, while liability only coverage will average about $129 monthly.

Hugo has rates as cheap as $24 per month for the 2017 Acura TLX.

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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2016 Acura TLX Car Insurance

On average, drivers who own a 2016 TLX can expect to pay $119 to $206 monthly for liability only and full coverage insurance, respectively.

We found Hugo offered the lowest policy, with rates as little as just $22 a month.

While these are good estimates of what the average driver might pay to insure a 2016 Acura TLX, 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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2015 Acura TLX Car Insurance

The average cost to insure a 2015 Acura TLX with liability only coverage is $97 per month, while full coverage runs around $179 monthly.

With premiums as little as $22 a month, Shelter Mutual offered the most affordable policy we found.

Want something more accurate than nationwide averages? Enter your ZIP code below to get several customized quotes for free.

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Acura TLX Insurance FAQs

Is an Acura TLX expensive to insure?

When compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum. Liability insurance runs an average of $110 per month, while full coverage will cost you around $197.

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

The only way to ensure you're getting the lowest price on car insurance is to regularly shop around and compare quotes from a wide array of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range 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 TLX affect my insurance premiums?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually a myth. Although there are multiple factors insurance carriers think about when they decide how much to charge you, your vehicle's color is not one of them.

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

Before you can legally drive your new (or new to you) TLX off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance company know beforehand.

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

You will find a multitude of discounts out there for insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Acura TLX you drive, but if your TLX has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, get in touch with your insurance carrier and ask about which discounts they offer.