How Much are Acura TL Insurance Rates? [Rates + Coverage Guide]
Acura TL insurance rates cost $114 per month ($1,370 per year) on average. Finding Acura TL teenager insurance rates can cost on average $5,007 a year, so shop around to find cheap coverage.
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Written by
Rachel Bodine
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Reviewed by
Daniel Walker
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UPDATED: Jun 24, 2020
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Key takeaways:
- Full coverage costs around $1,370 a year or $114 each month
- A liability-only policy costs around $549 a year or $46 each month
- Highest rates are for teenage drivers at around $5,007 a year or $417 each month
- Good drivers can save as much as $565 a year by earning policy discounts
- Acura TL insurance costs around $149 less per year than the average vehicle
Acura TL insurance rates are $150 cheaper than the average vehicle. You can pay as low as $46 per month for Acura TL insurance rates. Read more to learn how you can save money on Acura TL insurance rates through policy discounts.
You can start comparing quotes for Acura TL auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
Acura TL Insurance Cost
The average Acura TL auto insurance costs are $1,370 a year or $114 a month.
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Are Acura TLs Expensive to Insure?
The chart below details how Acura TL insurance rates compare to other luxury cars like the Porsche Panamera, Mercedes-Benz E300, and Lexus IS 300.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Porsche Panamera | $520 | $1042 | $398 | $2,118 |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| Mercedes-Benz CLS 550 | $432 | $952 | $398 | $1,940 |
| Acura TLX | $332 | $686 | $398 | $1,574 |
| Audi S8 | $658 | $1368 | $398 | $2,582 |
However, there are a few things you can do to find the cheapest Acura insurance rates online.
What Impacts the Cost of Acura TL Insurance?
The Acura TL trim and model you choose can impact the total price you will pay for Acura TL insurance coverage.
Age of the Vehicle
The average Acura TL insurance rates are higher for newer models. For example, auto insurance rates for a 2014 Acura TL are $1,370, while 2010 Acura TL rates are $1,202, a difference of $168.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2014 Acura TL | $260 | $500 | $452 | $1,370 |
| 2013 Acura TL | $250 | $470 | $456 | $1,334 |
| 2012 Acura TL | $240 | $422 | $460 | $1,280 |
| 2011 Acura TL | $224 | $388 | $460 | $1,230 |
| 2010 Acura TL | $216 | $364 | $464 | $1,202 |
Driver Age
Driver age can have a significant impact on Acura TL auto insurance rates. For instance, a 30-year-old driver may pay $60 more each year for Acura TL auto insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Acura TL insurance rates. For example, drivers in Los Angeles may pay $754 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on the cost of Acura TL auto insurance. Teens and drivers in their 20’s see the highest jump in their Acura TL insurance rates with violations on their driving record.
Acura TL Safety Ratings
Your Acura TL auto insurance rates are tied to the Acura TL’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Acura TL Crash Test Ratings
Acura TL crash test ratings can impact your Acura TL insurance rates. See Acura TL crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2020 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Acura TLX 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Acura TLX 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Acura TL Safety Features
Acura TL safety features can lower the cost of your insurance. The safety features for the 2020 Acura TL include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
Acura TL Insurance Loss Probability
The lower percentage means lower Acura TL auto insurance rates; higher percentages mean higher Acura TL insurance rates. The Acura TL’s insurance loss probability varies for each form of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -10% |
|---|---|
| Property Damage | -25% |
| Comprehensive | -3% |
| Personal Injury | -7% |
| Medical Payment | -26% |
| Bodily Injury | -23% |
| Source: Insurance Institute for Highway Safety | |
Acura TL Finance and Insurance Cost
If you are financing an Acura TL, most lenders will require your carry higher Acura TL coverage options including comprehensive coverage, so be sure to shop around and compare Acura TL auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on Acura TL Insurance
If you want to reduce the cost of your Acura TL insurance rates, follow these tips below:
- Add a More Experienced Driver to Your Acura TL Policy
- Never Drink and Drive Your Acura TL
- Ask About Acura TL Discounts If You Were Listed on Someone Else’s Policy
- Work with a Direct Insurer Instead of an Insurance Broker for Your Acura TL
- Pay Your Bills On Time — Especially Acura TL Payments and Insurance
Top Acura TL Insurance Companies
The best auto insurance companies for Acura TL insurance rates will offer competitive rates, discounts, and account for the Acura TL’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Acura TL Insurance Quotes Online
You can start comparing quotes for Acura TL insurance rates from some of the best auto insurance companies by using our free online tool now.