Acura TLX Insurance [Everything You Need to Know]

If you want to buy affordable Acura TLX insurance coverage then you should know that a policy will cost $131 per month ($1,574 per year) on average. Teens pay the highest rates at up to $5,753 a year, while good drivers may only pay $925.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 26, 2021

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Key takeaways:

  • Full coverage costs around $1,574 a year or $131 each month
  • A liability-only policy costs around $631 a year or $53 each month
  • Highest rates are for teenage drivers at around $5,753 a year or $479 each month
  • Good drivers can save as much as $649 a year by earning policy discounts
  • Acura TLX insurance costs around $55 more per year than the average vehicle

Acura TLX insurance rates are slightly more per year than the average vehicle with full coverage costing about $1,574 a year or $131 a month. The highest rates are for teens who can save about $5,753 a year or $479 a month as they’re considered to be high-risk as inexperienced drivers. We’re going to take a quick look at Acura TLX insurance rates, safety ratings, and more.

You can start comparing quotes for Acura TLX car insurance rates from some of the best car insurance companies by using our free online tool now.

Acura TLX Insurance Cost

The average Acura TLX auto insurance costs are $1,574 a year or $131 a month.

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Are Acura TLXs Expensive to Insure?

The chart below details how Acura TLX insurance rates compare to other luxury cars like the Lexus ES 350, Lexus GS 300, and Chevrolet Corvette.

Vehicle Comprehensive Collision Liability Total
Acura TLX $332 $686 $398 $1,574
Lexus ES 350 $362 $656 $316 $1,470
Lexus GS 300 $344 $656 $338 $1,474
Chevrolet Corvette $494 $922 $264 $1,790
Audi A4 $332 $656 $398 $1,544
Porsche Panamera $520 $1,042 $398 $2,118
Mercedes-Benz S450 $494 $982 $398 $2,032
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However, there are a few things you can do to find the cheapest Acura insurance rates online.

What Impacts the Cost of Acura TLX Insurance?

The Acura TLX trim and model you choose can impact the total price you will pay for Acura TLX auto insurance coverage.

Age of the Vehicle

Older Acura TLX models generally cost less to insure. For example, car insurance for a 2018 Acura TLX costs $1,574, while 2015 Acura TLX insurance costs are $1,510, a difference of $64.

Model Year Comprehensive Collision Liability Total
2018 Acura TLX $332 $686 $398 $1,574
2017 Acura TLX $320 $668 $416 $1,562
2016 Acura TLX $310 $640 $430 $1,538
2015 Acura TLX $292 $618 $442 $1,510
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Driver Age

Driver age can have a significant effect on Acura TLX car insurance rates. As an example, a 30-year-old driver pays around $69 more each year for their Acura TLX car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Acura TLX insurance rates. For example, drivers in New York may pay $960 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Acura TLX auto insurance. Teens and drivers in their 20’s see the highest jump in their Acura TLX auto insurance rates with violations on their driving record.

Acura TLX Safety Ratings

Your Acura TLX car insurance rates are tied to the safety ratings of the Acura TLX. 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
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Acura TLX Crash Test Ratings

If the Acura TLX crash test ratings are good, you could have lower Acura TLX car insurance rates. See Acura TLX 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
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Acura TLX Safety Features

Good Acura TLX safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Acura TLX are:

  • 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
  • Lane Departure Warning
  • Lane Keeping Assist

Acura TLX Insurance Loss Probability

The lower percentage means lower Acura TLX car insurance costs; higher percentages mean higher Acura TLX car insurance costs. Compare the following Acura TLX auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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
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Acura TLX Finance and Insurance Cost

If you are financing a Acura TLX, most lenders will require your carry higher Acura TLX coverage options including comprehensive coverage, so be sure to shop around and compare Acura TLX car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Acura TLX Insurance

If you want to reduce the cost of your Acura TLX insurance rates, follow these tips below:

  • Drive Your Acura TLX Safely
  • Ask About Retiree Discounts
  • Take a Refresher Course as an Older Driver
  • Add a More Experienced Driver to Your Acura TLX Policy
  • Ask About Farm and Ranch Vehicle Discounts

Top Acura TLX Insurance Companies

The best auto insurance companies for Acura TLX car insurance rates will offer competitive rates, discounts, and account for the Acura TLX’s safety features. The following list of car 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
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Compare Free Acura TLX Insurance Quotes Online

You can start comparing quotes for Acura TLX insurance from some of the top car insurance companies by using our free online tool today.

  • The 2018 Acura TLX is a restyled luxury performance sedan with a starting price of $33,000
  • You have the option to choose between a 206hp 2.4L 4-cylinder engine or an upgraded 290hp 3.5L V6 engine
  • The standard model comes with an eight-speed Dual-Clutch Transmission and also All-Wheel Steer for precision
  • The upgraded 3.5L engine is paired with a nine-speed Automatic Transmission and either Precision or Super Handling AWD
  • The new styling is sporty and portrays how powerful the engine is with a dark chrome Diamond Pentagon Grille

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Acura isn’t just a luxury brand, it is Japan’s very first luxury automotive brand. Interestingly enough, Acura isn’t just a solo car maker.

It is actually a division of Honda Motor Company, which has already been in business for 40 years before deciding that it wanted to branch off and create the first luxury brand that would be sold in America.

Honda was already an innovator in the industry and became even a bigger competitor with the launch of the Acura luxury division.

The very first models to be released under the new Acura logo in 1986 were the Integra and the Legend. Because they were so extremely popular, the car maker started designing even more high-performance luxury models fit for all kinds of drivers.

One popular design that was released in 2015 was the Acura TLX sedan.

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History of the Acura TLX

The Acura TLX was first released as a redesign of the Acura TL and the Acura TSX of previous years.

It had the sportiness that the TSX was prized for and the luxury features that you would find in the TL.

By combining both qualities of each model, Acura created the philosophy of the “Red Carpet Athlete” because it was equipped with a high-performance powertrain and still had a modern yet luxurious interior.

When the TLX first entered the market in 2015, it was a hot seller because of its blend of refinement and the athleticism you’d expect to find in a sports car.

The sustained success in the sales reports and also the awards that were presented to the TLX show just how popular it was. In fact, in 2015 the Acura TLX won the Best Cars for the Money award and the Best Value award.

The Acura TLX is still being manufactured today. In fact, the top-selling model is even being approved upon in just its third year of production.

Before you start pricing the cost of auto insurance premiums, here are five interesting facts that you should know about the latest Acura TLX.

5 Facts About the 2018 Acura TLX

#1 – An Updated Front End

One thing that you’ll notice if you’re looking at any of the newest models that are being released in 2018, you’ll discover that they are all getting a face lift. The 2018 Acura TLX is no different.

It will have a restyled front end with a genuine trademarked Diamond Pentagon Grille instead of the chrome front fender it initially had.

The Diamond Pentagon Grille gives the TLX an extremely sporty and futuristic look.

It was first seen on the 2017 Acura MDX and has been impressing consumers who want to see a more aggressive TLX and less of the Foghorn Leghorn chrome beak that it had in the 2015-2017 models.

The sporty facelift meshes well with the sport-oriented tweaks that were made to the 2018 Acura TLX.

#2 – New Powertrain Choices

The standard 2018 TLX is powered by a 2.4L, 4-cylinder engine that produces 206 horsepower. This is the same standard engine that was used in the 2017 TLX and is also the same components that are used to manufacture the top-selling Honda Accord.

You do have the choice to upgrade to a more powerful 3.5L V6 engine with an output of 290hp for a minimum premium of $3,200.

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#3 – Sporty Drivetrain Options

Acura has always been known to sell vehicles with different package options.

As a consumer, you would have to decide which combination of powertrain and drivetrain you’d like to purchase as you’re building your package.

It’s not the engine options but the drivetrain that’s changed the most with the 2018 Acura TLX.

In fact, it is the updated drivetrain that gives the TLX an even sportier feel.

While the TLX doesn’t offer you the power and the thrill that’s offered by the NSX, you can’t expect to get all of that horsepower and precision when you’re paying substantially less.

The four-cylinder powertrain and the mid-grade V6 powertrain are both equipped with a front-wheel-drive drivetrain that’s called Precision All-Wheel Steer or (P-AWS).

If you go for the V6 engine for $3200 more, you can choose to upgrade your vehicle even more with a Super Handling All-Wheel Drive drivetrain (SH-AWD).

The best thing about the SH-AWD setup is that it offers torque vectoring, which is what makes the top trim level feel like a much sportier model. The only drawback is that it’s priced $2000 higher.

#4 – The A-Spec Option

A-Spec is a new package that is being introduced in 2018 for car lovers who love the sporty look and the firmer suspension but who aren’t particularly concerned with the interior noise level.

The changes between the standard TLX and the A-spec trim, which is only available with a V6 engine, is almost entirely cosmetic.

It is more visually aggressive but does cost more to repair and offers a little bit of a noisier ride.

This was a tactic that was used by Acura to target the sports sedan lovers who would normally go for a different car but can’t deny how much they like the appearance of the newest TLX.

It’s less about racing and more about having a car that stands out aesthetically but doesn’t cost twice as much to insure.

#5 – New and Improved Technologies

If you’re willing to pay $3,700 for Acura’s Technology Package, you’ll have access to some of the more advanced systems that the manufacturer has to offer.

Any car that’s equipped will have the following:

  • exterior rain-sensing wipers
  • a 3D Navigation System
  • AcuraLink Real-Time Traffic
  • HD Radio
  • GPS-linked climate control
  • Blind Spot Detector
  • Rear Cross Traffic Monitor
  • a Premium 10-Speaker Audio System

The Verdict

The TLX is a four-door sedan that’s sized just between the compact ILX and the larger full-size RLX. If you were to compare it to competitors on the market today you’d be looking at the Lexus IS or the Audi A4.

Those who have already tested the vehicle rave about its fresh exterior redesign and the A-spec trim option. With a starting price of $33,000, this is a premium performance vehicle priced right.

If you’re seriously considering buying the TLX when it’s released in November, you have to set your budget right.

One great thing about the 2018 Acura TLX with A-Spec is that it looks like a high-performance car without all of the parts that will drive up the cost of insurance premiums.

If you’re shopping around for competitively priced premiums, the best way to do the comparison is to use our online tool. Enter your zip code below to get started for free.

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