Acura TL Insurance Cost Estimate [Rates + Coverage Guide]

Average Acura TL auto insurance rates cost $1,370 a year, or around $114 a month. Teens pay the highest rates at up to $5,007 a year, while good drivers may only pay $805.

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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: Jan 22, 2021

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Here's what you need to know...

  • The Acura TL is no longer produced and was replaced by the TLX
  • Many of your car’s features and options can have a positive effect on your car insurance rates
  • The Acura TL has many safety features and it performs well in crash tests


Acura TL insurance rates are around $1,370 a year or $114 a month for full coverage. Liability-only coverage is around $549 a year or $46 a month. We’re going to take a closer look at Acura TL insurance rates, safety ratings, and more.

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

Acura TL Insurance Cost

The average Acura TL car insurance rates 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 Cadillac CTS-V, Lexus ES 350, and Jaguar XE.

Vehicle Comprehensive Collision Liability Total
Cadillac CTS-V $406 $804 $338 $1,684
Lexus ES 350 $362 $656 $316 $1,470
Jaguar XE $382 $774 $398 $1,712
Audi A7 $406 $834 $398 $1,796
Audi S8 $658 $1,368 $398 $2,582
Volvo S90 $356 $714 $398 $1,626
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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 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

Older Acura TL models generally cost less to insure. For example, auto insurance for a 2014 Acura TL costs $1,370, while 2010 Acura TL insurance costs 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
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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 Houston may pay $1,010 a year more than drivers in Columbus.

Your Driving Record

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

Acura TL Safety Ratings

Your Acura TL auto insurance rates are influenced by 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
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Acura TL Crash Test Ratings

Acura TL crash test ratings can impact your Acura TL car 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
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Acura TL Safety Features

The Acura TL safety features can help lower insurance costs. According to US News, the 2020 Acura TL has the following safety features:

  • 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 car 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
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Acura TL Finance and Insurance Cost

When financing a 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 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Acura TL Insurance

Drivers can end up saving more money on their Acura TL car insurance rates by employing any one of the following strategies.

  • Check Reviews and State Complaints Before You Choose an Insurer
  • Consider Ride Sharing Services to Lower Your Acura TL Mileage
  • Choose a Acura TL with Cheaper Repair Costs
  • Add a More Experienced Driver to Your Acura TL Policy
  • Make Sure You’re Raising a Safe Driver

Top Acura TL Insurance Companies

Who is the best auto insurance company for Acura TL insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Acura TL auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Acura TL offers.

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 TL Insurance Quotes Online

Start comparing Acura TL auto insurance quotes for free by using our FREE online comparison tool.
How much is car insurance for an Acura TL? The TL was replaced by the TLX in 2015. While you can’t purchase a new TL, you may have the opportunity to buy a used one.

Read on to learn all about Acura TL auto insurance rates and then for personalized quotes just enter your ZIP above for a free Acura TL car insurance comparison!for a free Acura TL car insurance comparison!

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What Determines Acura TL Car Insurance Costs?

Acura TL car insurance costs are based on a rating system issued by the Insurance Services Office. This rating system gives each vehicle a score based on a scale of 1 to 27.

The factors that determine the number of points awarded on the scale are scored based on the specifications of each individual vehicle.

Some of the factors that are graded for each vehicle that is included in the rating system include:

  • Safety
  • Theft ratings
  • Vehicle make
  • Vehicle model
  • Vehicle year
  • Engine size and type
  • Vehicle body type

Acura TL Safety Specifications and Acura TL Auto Insurance

According to the Insurance Institute for Highway Safety, the Acura TL earned the highest possible score in every safety category. This ranking reduces auto insurance rates.

The stellar rankings are made possible because the makers of Acura chose to manufacture their vehicle with the necessary safety equipment as a standard on the vehicle.

The safety equipment that allows the Acura TL to consistently score high includes the following standard equipment:

  1. Airbags (side, head, curtain, front-side, front)
  2. Head restraints based (reduces whiplash injury)
  3. Four-wheel antilock disc brakes
  4. Seatbelt pretensions
  5. Electronic stability control
  6. Daytime running lights
  7. Traction control
  8. Trunk release
  9. Energy management feature
  10. Auto-dimming rearview mirrors

How Do I Find Acura TL Car Insurance Rates?

Based on the high number of standard safety equipment on the vehicle, the insurance rates are very competitive and favorable to the Acura TL.

The four-door, five-passenger, Acura TL has the following key insurance features looked at by insurance companies when determining the insurance rates:

  • Aluminum alloy V-6 engine.
  • There are no scheduled tune-ups required for this vehicle for up to 100,000 miles.
  • The vehicle is also equipped with a stability assist and an anti-lock braking system (ABS).
  • Electronic Brake Distribution (EBD) and Brake Assist are also standard safety equipment on the vehicle.
  • Throttle control along with speed and steering sensors.
  • The vehicle also comes with a four-year, 50,000-mile limited warranty and the powertrain comes with a six-year, 70,000-mile limited warranty.
  • The seatbelts also have a warranty for at least 15 years.

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How Do I Compare Acura TL Insurance Rates?

Because the Acura TL scores high amongst the majority of insurance companies rating systems, there are many companies to compare when shopping for insurance pricing on this vehicle.

Many insurance rates can be researched and compared online. Most of the car comparison shopping can be done just by simply entering your zip code into the free tool on this page.

The compared average car insurance for this type of vehicle averages $1,500.00 per year and approximately $125.00 per month.

This price includes several discounts that the vehicle qualifies for based on its standard alarm and consistent safety rankings. Save even more on Acura insurance costs by choosing a higher deductible which will reduce its annual rate by up to 15%.

Overall, the Acura car insurance costs have proven to be a great choice when it comes to car insurance and safety rankings.

Rates can vary dramatically from one company to the next so the more quotes you compare, the more chances you have to save. Enter your ZIP to start now!

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