Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 24, 2020

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Can't-Miss Facts

  • Southern Farm Bureau is the worst company for Acura RL auto insurance at $160 per month
  • Colorado is the state with the most expensive Acura RL auto insurance at $179 per month
  • Allstate is the best state for Acura RL young drivers with an average rate of $315 per month

If you’re looking for affordable insurance right on your Acura RL, you’re not alone. Although this is an older automobile, its affordable price, reliability, and technological design mean that there are still thousands of people on the road today driving one of these vehicles. This article is about finding cheap Acura RL auto insurance.

And if you’re an owner of an Acura RL, you shouldn’t be afraid to shop around and find an insurance company that’s going to give you the most value for your money.

Auto insurance rates can be expensive, for both the Acura and all other vehicles. Comparing rates from different companies can be a pain, especially with all the specifics like different coverages, deductibles, and add-ons.

That’s why we do the work for you through our online quote generator. Just plug your ZIP code into the best rates for you, your vehicle, and your driving history. Beyond that, you can take a look at our auto insurance companies page to decide which might be right for you.

For this guide, we’ll cover the following topics, among others, about Acura RL auto insurance:

  • Average insurance cost
  • Affordable auto insurance
  • Top auto insurance companies
  • Best auto insurance companies

Now, let’s get started with the brief history of the Acura RL and the average rates for it by state, companies, and age.

A Brief History of the Acura RL

The first generation of the Acura RL was released in 1996. How it came to be, and the progression of it’s manufacturing cycle, reads almost like an automotive soap opera. The grandfather of the Acura RL was originally the third-generation Honda Legend.

And while the RL was meant to replace the 3rd generation version of Acura’s sister company’s vehicle, the actual mechanical design of the first-gen RL was modeled more closely after the second generation of the Acura Legend. Then it was the third-generation Honda Legend.

The second generation of the RL model started selling in 2005, although many eager customers were disappointed that it did not come with the powerful V8 engine that Acura had originally promised.

Despite this, and to the delight of technophiles everywhere, the RL was one of the first of its kind to feature a keyless entry system, Bose audio, XM Satellite Radio, and Bluetooth integration. In 2012, this model was retired from Manufacturing in order to introduce a newer model luxury sedan, the Acura RLX.

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Acura RL in the News

The second generation of the Acura RL Vehicles was subject to two controversial recalls in 2007 and 2010. The first recall had to do with safety issues surrounding the power steering hose which, to make a long story short, could cause an engine fire under certain circumstances.

The second recall in 2010 had to do with the brake master cylinder seal and its vulnerability to leakage.

In the event that a driver uses the wrong brake fluid in a second-generation Acura RL and also neglects to get regular maintenance on the vehicle, brake fluid can leak out and hinder brake performance enough to make deadly crashes inevitable.

Despite safety concerns, however, the second-generation Acura RL not only earned an Editor’s Choice Award from for being so technologically advanced, but it also make Car and Driver’s top 10 best list back in 2005.

Comparing Acura RL Auto Insurance

If the Acura RL that you drive has not been subject to recall, and if you have kept up proper maintenance over the years, then your vehicle should be as safe and reliable as any other Acura on the road today.

Insurance companies love it when drivers purchase safe, reliable cars that are less susceptible to accidents and costly body damage. This reliability can get you good deals on your auto insurance rates, no matter what state you live in.

Monthly Premiums by State Legend: Monthly Premium by State Arkansas Colorado Idaho Illinois South Carolina 15 30 45 60 75 90 105 120 135 150 165 $138 $179 $177 $110 $125

However, not all insurance companies may look at your RL in the same light. The fact that it’s an older car means it doesn’t have the updated safety features that a brand new model might. furthermore, the fact that this model has been subject to recall in the past might make some insurance agencies nervous about insuring you.

As you can see in the chart below, the risk your insurance company attributes to the car you drive can have a significant impact on the auto insurance rates that they offer you.

Monthly Premiums by Company Legend: Monthly Premium by Company State Auto State Farm Allstate Nationwide Southern Farm Bureau 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $107 $109 $114 $117 $160

Lastly, your experience behind the wheel will have a significant impact on how affordable or costly your monthly payments will be. Young drivers, despite the fact that they own a reliable vehicle that should keep them relatively safe during their first few years on the road, will still be seen as an inherent risk to any insurance company.

Older adults, however, are usually much less impulsive and safer behind the wheel, thus making them less likely to get into an accident and more likely to get an affordable rate on their auto insurance.

Monthly Premiums by Age Legend: Teen Driver Adult Driver State Auto State Farm Allstate Nationwide Southern Farm Bureau 50 100 150 200 250 300 350 400 450 500 $506 $107 $428 $109 $315 $114 $385 $117 $370 $160

No matter how old you are, no matter where you live, and no matter what type of car you drive, you can always find a better rate by shopping around for a new automobile insurance policy.

All you have to do is let us know where you live, and we’ll help you get fast, free quotes from local agencies who want to give you an affordable rate.

Frequently Asked Questions: Acura RL Auto Insurance Rates and Specs

Now that we’ve covered Acura RL auto insurance rates by three different factors, let’s answer your frequently asked questions about the Acura RL, Acura in general, and methods to lower auto insurance rates.

#1 – Is an Acura expensive to insure?

Acuras are considered luxury models and have price tags that are often higher than most of the other cars on the market. However, they are often cheaper to insure than other luxury cars because Acuras generally have high reliability and safety ratings, which lead to either fewer or less costly claims, making them cheaper to insure.

#2 – Is the Acura RL a good car?

The Acura RL is a good car from the standpoint of aesthetics. It is spacious and refined but lacks the performance capabilities of other luxury models. Problems seen in other Acura luxury models include poor handling and poor steering.

#3 – What can lower your auto insurance?

The main method of lowering your auto insurance rate is through discounts. These include driving discounts, demographic discounts, safety features discounts, driver education discounts, and much more. You can also drop certain coverages, sign up for usage-based insurance, or add a telematics system to drop your rate.

#4 – Can you negotiate with auto insurance?

While you can’t negotiate auto insurance with an individual company or agent, you can compare different rates from different companies to secure the best possible rate given your demographics, your driving history, and the location in which you live.

#5 – How long do Acura transmissions last?

According to Northeast Acura, Acura transmissions can last anywhere between 10,000 and 200,000 miles. A great deal depends on how much maintenance and how often you get maintenance for the transmission including changing the fluid or replacing worn or severely used parts.

#6 – Is Acura a premium brand?

Acura bills itself as a luxury car brand but does not have models to compete with the main luxury car manufacturers at the top level. That makes it a premium brand car company competing with Lexus and Infinity rather than the top luxury car companies.

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Insurance Guides for Popular Acura Models

For more information about auto insurance and Acura or auto insurance and its parent company Honda, check out these two articles: Honda Auto Insurance | Acura Auto Insurance