The Essential Guide to Cheap Acura TL Auto Insurance

Vermont has the cheapest Acura TL auto insurance, with average rates at $83 a month. State Farm has the most significant difference in rates between drivers with low mileage and drivers with high mileage, with a $23 difference per month. The Acura TL was a hot seller during the 2000s but struggled due to its generation designs' Great Recession and problems. Shopping around for rates can help Acura TL owners find cheap Acura TL auto insurance.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • Georgia is the state with the most expensive Acura TL auto insurance rates at $178 per month
  • Ohio Mutual is the insurance company with the most expensive Acura TL rates at $104 per month
  • The best company for high mileage drivers is Grange Mutual with an average rate of $79 per month

Finding a good auto insurance rate on your specific vehicle doesn’t have to be as hard as it seems. Yes, certain makes and models will be charged a higher rate based on safety features and the replacement value in the event of a total loss.

This is where cheap Acura TL auto insurance comes in. Although it is a luxury line, the owners of Acura vehicles often have lower auto insurance rates because of the vehicles’ reliability and safety.

Other factors that influence your insurance rates are your demographics, the area you live in, and your driving history. Comparing different quotes can be a pain, especially by going from company site to company site. Keeping all those rates and data organized is difficult.

That’s why we’ve taken the work out of it for you through our FREE online quote comparison tool. For the Acura TL and other vehicles, you can check out your rates for you, your area, and your driving history.

Even with auto insurance rates, there are things you can do to make sure you get a better deal on your car or truck like save money through auto insurance discounts.

In this guide, we cover all things Acura TL auto insurance rates. Within those rates, we’ll look at State Farm and four other companies that offer insurance for the Acura TL.

In the Frequently Asked Questions section, we’ll look at general insurance rates for other companies like Geico and Progressive. Finally, at the bottom, we have a list of the insurance pages for different Acura models that include:

  • Acura TLX insurance cost
  • Acura MDX insurance cost
  • Acura ILX insurance cost
  • Acura NSX insurance cost

If you happen to drive an Acura TL, then you’re going to want to keep reading. The secrets to getting an affordable rate on your Acura are here on this page.

Comparing Acura TL Auto Insurance

Of course, there are many other factors besides the age of your car, when the model was discontinued, and whether or not it has a history of being associated with horrendous crimes.

One of the biggest factors — beyond all of those we just mentioned — is whether or not you live in a ZIP code where accidents are frequent. Just take a look at the chart below to see how densely populated (and not so densely populated) areas can differ in cost.

Average Monthly Premium by StateLegend: Monthly Premium VermontGeorgiaMichiganFloridaOhio 153045607590105120135150165$83$178$144$173$88

As if it weren’t already complicated enough, the insurance company you choose will also determine whether you get a fair price or a burdensome premium. Below, you can see comparisons between major insurers based on factors associated with an average driver.

Average Monthly Premium by CompanyLegend: Monthly Premium Grange MutualCincinnati InsuranceState FarmFarmersOhio Mutual 102030405060708090100$79$87$95$96$104

There’s also a good chance that the number of miles you drive each year will have an impact on your overall premium. If you don’t plan to drive very far, if you don’t drive very often, and especially if you don’t drive during rush hour traffic, you could get a really nice discount on your monthly rate.

If you suspect that your driving habits may qualify you for such discounts, ask your insurance agent about driver tracking programs — for example, the Progressive Snapshot program — so they can track your miles, your driving habits, and more to give you up to a 30 percent discount.

Average Monthly Premium by MileageLegend: Low Mileage High Mileage Grange MutualCincinnati InsuranceState FarmFarmersOhio Mutual 102030405060708090100$68$79$71$87$72$95$75$96$84$104

More than ever, it’s very important to make sure you shop around for the most affordable rate. And the best way to do that is to compare fast, free Acura TL quotes on through our online quote generator. We’ll keep all your information confidential, and you can get a sneak peek at affordable providers offering reasonable Acura TL insurance policies in your area.

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Brief History of Acura TL

The story of the Acura TL starts out like a fairytale but ends tragically just a few years after production started. It came out in 2004 to replace the Honda Sabre and sold like hotcakes until its sister model, the Acura MDX, started outselling it around 2007.

For a while, the TL was outselling all the other models in its class with the exception of the BMW 3 Series. But thanks to the recession and some missteps with later generation designs, sales started to tank by over 50 percent during the late 2000s. Its production was terminated in 2014 when it was replaced by the TLX.

Acura TL in the News

Part of the Acura TL’s downfall may have something to do with the disturbingly high number of Acura TL drivers who have been involved in criminal activity. In 2017 alone, Acura TL drivers perpetrated an attempted kidnapping and three fatal crashes – one of which resulted in an innocent driver’s death.

Believe it or not, there are insurance companies out there who may use this information to argue that Acura TL drivers are a risky investment, and therefore should be charged higher rates. But you may be able to combat such rate hikes with a clean driving record and proof of a lack of a criminal record.

Frequently Asked Questions: Acura TL Specifications and General Insurance

Now that we’ve covered Acura TL insurance rates, let’s cover your frequently asked questions about the Acura TL, Acura models in general, and the insurance companies with the lowest rates in the country.

#1 – How much is insurance on an Acura TL?

Based on the five insurance companies we looked at, the average annual rate for a policyholder owning an Acura TL ranges between $960 and around $1,200. Rates vary widely by state and whether you are a low mileage or a high mileage driver.

#2 – Is Acura expensive to insure?

Acuras, although they are considered luxury vehicles and are pricey in some cases, are actually less expensive to insure than other vehicles in the same class generally, though not always.

The reason is that Acuras score high on safety ratings, making them easier to insure as insurance companies may feel that these ratings will contribute to smaller claim amounts compared to claims submitted for other vehicles.

#3 – Who actually has the cheapest auto insurance?

USAA has the cheapest auto insurance nationwide, though it is just for military servicepersons and their immediate families. The two companies that have the lowest rates after USAA are State Farm and Geico. Progressive and Nationwide tend to be in the middle.

#4 – Is Acura TL a reliable car?

The Acura TL, which struggles to beat the other luxury car models in its class, has a reputation for both safety and reliability, to features that are often consistent across the Acura brand.

#5 – Are Acura TL expensive to maintain?

The Acura TLs are considered luxury vehicles and as such may be more expensive to maintain than other vehicles in classes below it. However, compared to other vehicles in its class, it is often cheaper to maintain and has a high degree of reliability, which means your Acura TL isn’t breaking down as often as other cars.

#6 – Is Acura a premium brand?

Acura likes to refer to itself as a luxury brand but doesn’t have the models to compete with the true luxury brands in the top classes like the full-size sedan class. Therefore, it is a premium brand like a Lexus or Infiniti rather than a luxury brand.

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Auto Insurance Guides for Popular Acura Models

Curious how the Acura TL’s rates compare to other Acura models’ insurance rates? Check out the other guides to Acura models below.

For more information about Acura and its parent company Honda, check out these two pages: Honda Auto Insurance | Acura Auto Insurance

If you are ready to find the best Acura TL insurance cost in your area, enter your ZIP in our free rate comparison tool.

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