- Acura RLX car insurance averages $2,702 per year or $1,351 for a semi-annual policy, depending on the trim level.
- Out of 24 vehicles in the large luxury car segment, the RLX ranks fifth for insurance affordability.
- The cheapest RLX model to insure is the Technology Sedan trim level at an average of $2,670 per year, while the RLX Sport Hybrid Advance Sedan is the most expensive to insure at $2,734 per year.
- Acura RLX insurance rates in a few larger U.S. metro areas include $3,100 in Fresno, CA, $2,878 in Houston, TX, and $2,188 in Virginia Beach, VA.
How much does Acura RLX car insurance cost?
Ranked fifth out of 24 vehicles in the large luxury car segment, Acura RLX insurance costs on average $2,702 a year, or $225 a month. With the average large luxury car costing $3,200 a year to insure, the Acura RLX could save around $498 or more annually.
The following chart breaks down average car insurance cost for a 2020 Acura RLX using different combinations of driver age and risk.
A few additional observations regarding the cost of insurance for an Acura RLX include:
- Safe drivers pay less. At-fault accidents raise insurance rates, potentially by an extra $3,922 per year for a 20-year-old driver and even as much as $660 per year for a 60-year-old driver.
- Earn a discount from your employer. The large majority of car insurance companies offer policy discounts for earning a living in occupations like scientists, accountants, firefighters, architects, members of the military, high school and elementary teachers, and other professions. If your job can earn you this discount, you may save between $81 and $216 on your annual insurance bill, depending on the age of the driver.
- Young males pay a lot more for insurance. For a 2020 Acura RLX, a 20-year-old man receives an average rate of $5,494 per year, while a 20-year-old woman will pay $3,916, a difference of $1,578 per year in the women’s favor by a large margin. But by age 50, the rate for males is $2,382 and the female rate is $2,326, a difference of only $56.
- As driver age increases, insurance rates tend to go down. The difference in RLX insurance cost between a 50-year-old driver ($2,382 per year) and a 20-year-old driver ($5,494 per year) is $3,112, or a savings of 79%.
- Policy discounts save money. Discounts may be available if the insureds are homeowners, choose electronic billing, sign their policy early, take a defensive driving course, or many other policy discounts which could save the average driver as much as $460 per year on the cost of insuring a RLX.
- Improve your credit rating to save on insurance. Excellent credit ratings above 800 could save as much as $424 per year compared to a credit rating between 670-739. Conversely, a not-so-perfect credit rating could cost around $492 more per year.
How do Acura RLX insurance rates compare?
When compared to top-selling luxury competitors in the U.S. market, insurance for an Acura RLX costs $362 more per year than the Audi A5, $718 less than the BMW 740i, $124 more than the Cadillac CT6, and $274 more than the Lincoln Continental.
The Acura RLX ranks fifth out of 24 total vehicles in the large luxury car class. The RLX costs an average of $2,702 per year for full coverage insurance, while the class median rate is $3,200 annually, a difference of $498 per year.
The table below shows how average car insurance rates for an Acura RLX fare against the rest of the large luxury sedan segment. Each model is ranked for auto insurance affordability.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Audi A5 | $2,340 | -$362 |
| 2 | Lincoln Continental | $2,428 | -$274 |
| 3 | Volvo S90 | $2,498 | -$204 |
| 4 | Cadillac CT6 | $2,578 | -$124 |
| 5 | Acura RLX | $2,702 | -- |
| 6 | Lexus LS 500H | $2,812 | $110 |
| 7 | Kia K900 | $2,868 | $166 |
| 8 | Lexus LS 500 | $2,956 | $254 |
| 9 | Infiniti Q60 | $3,008 | $306 |
| 10 | Genesis G90 | $3,022 | $320 |
| 11 | Mercedes-Benz AMG E53 | $3,036 | $334 |
| 12 | Mercedes-Benz AMG CLS53 | $3,088 | $386 |
| 13 | BMW 840i | $3,158 | $456 |
| 14 | Mercedes-Benz S450 | $3,292 | $590 |
| 15 | BMW M850i | $3,310 | $608 |
| 16 | BMW 740i | $3,420 | $718 |
| 17 | BMW 850i | $3,448 | $746 |
| 18 | Mercedes-Benz E63 AMG | $3,466 | $764 |
| 19 | Porsche Panamera | $3,606 | $904 |
| 20 | Audi A8 | $3,664 | $962 |
| 21 | Mercedes-Benz S560 | $3,702 | $1,000 |
| 22 | BMW 750i | $3,716 | $1,014 |
| 23 | BMW M760i | $4,190 | $1,488 |
| 24 | Mercedes-Benz AMG S63 | $4,482 | $1,780 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2020 model year. Updated October 24, 2025
Which Acura RLX is cheapest to insure?
The cheapest model of Acura RLX to insure is the Technology Sedan at around $2,670 per year. The Sport Hybrid Advance Sedan at $2,734 per year is the most expensive RLX model to buy car insurance for.
The next table details the average auto insurance policy costs for the different 2020 Acura RLX trim levels.
| 2020 Acura RLX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Technology Sedan | $2,670 | $223 |
| Sport Hybrid Advance Sedan | $2,734 | $228 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
How much will older RLX models save on car insurance?
Insuring an older RLX could save you a few hundred bucks on car insurance. For example, insuring a 2015 Acura RLX instead of the newer 2020 model could cut your bill by $672 per year. A 2018 model year RLX could save around $282 per year.
The next table details average Acura RLX car insurance rates for different driver age groups for the 2014 through 2020 model years. Insurance cost ranges from the cheapest price of $1,688 for a 60-year-old driver rated on a 2014 Acura RLX to the most expensive yearly cost of $5,494 for a 20-year-old driver rated on a 2020 RLX.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2020 Acura RLX | $5,494 | $2,702 | $2,234 |
| 2019 Acura RLX | $5,252 | $2,574 | $2,128 |
| 2018 Acura RLX | $4,928 | $2,420 | $2,006 |
| 2017 Acura RLX | $4,778 | $2,350 | $1,946 |
| 2016 Acura RLX | $4,470 | $2,208 | $1,834 |
| 2015 Acura RLX | $4,320 | $2,126 | $1,768 |
| 2014 Acura RLX | $4,128 | $2,030 | $1,688 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Acura RLX trim levels for each model year. Updated October 24, 2025
Ultimately, as a vehicle ages, you will need to decide when to drop physical damage coverage (comprehensive and collision) from a policy. As an Acura RLX drops in value over time, the expense associated with maintaining physical damage protection begins to exceed any added benefit.
Removing full coverage on an older Acura RLX and just buying a liability-only policy may save $1,348 per year, depending on the deductible level and the age of the rated driver.
Acura RLX car insurance rate averages by U.S. city
Car insurance cost for an Acura RLX spans a wide range, from lower rates like $2,188 a year in Virginia Beach, VA, or $2,104 in Raleigh, NC, to expensive rates such as $4,104 a year in New Orleans, LA, and $5,140 in Detroit, MI.
Some additional average rates in other parts of the U.S. include Baltimore, MD, at $3,312 per year, Louisville, KY, at an average of $3,806, Atlanta, GA, at $3,148, and Long Beach, CA, costing $3,292.
The data below details average Acura RLX insurance rates for thirty large metro areas in the U.S.
