Cheaper Acura RLX Insurance in 2025: Insights Into Savings

How much does Acura RLX insurance cost? We compare rates for the Technology and Sport Hybrid Advance models to see how prices compare to the rest of the large luxury sedan segment.

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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 $2,638 a year, or $220 a month. With the average large luxury car costing $3,122 a year to insure, the Acura RLX could save around $484 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.

Average 2020 Acura RLX insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Acura RLX insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2020 model year Acura RLX with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Acura RLX trim levels.

2020 Acura RLX Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,106$509
Safe Driver Age 20$5,362$447
At-fault Accidents Age 40$3,740$312
Low Deductibles Age 40$3,498$292
Safe Driver Age 30$2,820$235
Safe Driver Age 40$2,638$220
Safe Driver Age 50$2,326$194
High Deductibles Age 40$2,200$183
Discount Rate Age 40$2,186$182
Safe Driver Age 60$2,182$182

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Acura RLX trim levels. Updated June 26, 2025

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 $3,826 per year for a 20-year-old driver and even as much as $646 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 $79 and $211 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 $5,362 per year, while a 20-year-old woman will pay $3,822, a difference of $1,540 per year in the women’s favor by a large margin. But by age 50, the rate for males is $2,326 and the female rate is $2,270, 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 ($2,326 per year) and a 20-year-old driver ($5,362 per year) is $3,036, 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 $452 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 $414 per year compared to a credit rating between 670-739. Conversely, a not-so-perfect credit rating could cost around $480 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 $354 more per year than the Audi A5, $702 less than the BMW 740i, $122 more than the Cadillac CT6, and $266 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 $2,638 per year for full coverage insurance, while the class median rate is $3,122 annually, a difference of $484 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.

Insurance Cost Comparison: Acura RLX vs Large Luxury Cars
Rank Make and Model Annual Premium Difference
1Audi A5$2,284-$354
2Lincoln Continental$2,372-$266
3Volvo S90$2,438-$200
4Cadillac CT6$2,516-$122
5Acura RLX$2,638--
6Lexus LS 500H$2,744$106
7Kia K900$2,796$158
8Lexus LS 500$2,886$248
9Infiniti Q60$2,934$296
10Mercedes-Benz AMG E53$2,938$300
11Genesis G90$2,950$312
12Mercedes-Benz AMG CLS53$3,016$378
13BMW 840i$3,082$444
14Mercedes-Benz S450$3,214$576
15BMW M850i$3,232$594
16BMW 740i$3,340$702
17BMW 850i$3,368$730
18Mercedes-Benz E63 AMG$3,384$746
19Porsche Panamera$3,518$880
20Audi A8$3,578$940
21Mercedes-Benz S560$3,614$976
22BMW 750i$3,628$990
23BMW M760i$4,094$1,456
24Mercedes-Benz AMG S63$4,374$1,736

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 June 26, 2025

At $2,638 per year, insurance cost for a 2020 Acura RLX ranks fifth out of 24 models in the large luxury car segment
At $2,638 per year, insurance cost for a 2020 Acura RLX ranks fifth out of 24 models in the large luxury car segment

Which Acura RLX is cheapest to insure?

The cheapest model of Acura RLX to insure is the Technology Sedan at around $2,608 per year. The Sport Hybrid Advance Sedan at $2,668 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 Insurance Rates by Trim Level
2020 Acura RLX Trim Level Annual Premium Cost Per Month
Technology Sedan$2,608$217
Sport Hybrid Advance Sedan$2,668$222

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 June 26, 2025

Insurance cost by trim level for a 2020 Acura RLX ranging from the Technology Sedan model at $2,608 per year to the Sport Hybrid Advance Sedan model at $2,668
Insurance cost by trim level for a 2020 Acura RLX ranging from the Technology Sedan model at $2,608 per year to the Sport Hybrid Advance Sedan model at $2,668

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 $656 per year. A 2018 model year RLX could save around $274 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 $1,648 for a 60-year-old driver rated on a 2014 Acura RLX to the most expensive yearly cost of $5,362 for a 20-year-old driver rated on a 2020 RLX.

Acura RLX Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2020 Acura RLX$5,362$2,638$2,182
2019 Acura RLX$5,126$2,512$2,080
2018 Acura RLX$4,810$2,364$1,958
2017 Acura RLX$4,662$2,294$1,902
2016 Acura RLX$4,364$2,156$1,788
2015 Acura RLX$4,216$2,078$1,726
2014 Acura RLX$4,028$1,982$1,648

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 June 27, 2025

Average insurance rates for 2014 to 2020 Acura RLX models for drivers age 20, 40 and 60
Average insurance rates for 2014 to 2020 Acura RLX models for drivers age 20, 40 and 60

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 $1,314 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 $2,138 a year in Virginia Beach, VA, or $2,052 in Raleigh, NC, to expensive rates such as $4,062 a year in New Orleans, LA, and $5,106 in Detroit, MI.

Some additional average rates in other parts of the U.S. include Baltimore, MD, at $3,262 per year, Louisville, KY, at an average of $3,756, Atlanta, GA, at $3,100, and Long Beach, CA, costing $3,246.

The data below details average Acura RLX insurance rates for thirty large metro areas in the U.S.

Average car insurance rates for a 2020 Acura RLX in larger U.S. cities.
Figure 2: Average car insurance rates for a 2020 Acura RLX in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2020 Acura RLX assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Acura RLX Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$4,284$357
Philadelphia, PA$3,892$324
Las Vegas, NV$3,884$324
Los Angeles, CA$3,876$323
San Francisco, CA$3,464$289
Kansas City, MO$3,174$265
Oklahoma City, OK$3,174$265
Denver, CO$3,130$261
Memphis, TN$3,130$261
Atlanta, GA$3,100$258
San Jose, CA$3,038$253
Phoenix, AZ$2,980$248
Portland, OR$2,954$246
San Diego, CA$2,936$245
Boston, MA$2,932$244
Chicago, IL$2,872$239
Dallas, TX$2,836$236
Houston, TX$2,826$236
Seattle, WA$2,820$235
Jacksonville, FL$2,764$230
Nashville, TN$2,744$229
Milwaukee, WI$2,736$228
Albuquerque, NM$2,700$225
San Antonio, TX$2,642$220
Omaha, NE$2,590$216
Fort Worth, TX$2,582$215
Austin, TX$2,558$213
Indianapolis, IN$2,406$201
Columbus, OH$2,280$190
Charlotte, NC$2,214$185

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2020 Acura RLX and all Zip Codes in each city. Updated June 26, 2025