Complete Guide to Acura TL Insurance: Rates & Insights for 2025

• Acura TL car insurance costs an average of $1,586 per year, or around $132 per month for full coverage.
• Out of 52 other midsize luxury cars, the Acura TL ranks fourth for insurance cost.
• Drivers can find the cheapest Acura TL insurance on the 3.5 SE Sedan trim level costing an average of $1,562 per year.
• The TL 3.7 SH-AWD w/Advance Package Sedan has the highest rates at $1,646 per year.

How much does Acura TL insurance cost?

Acura TL car insurance costs on average $1,586 annually for full coverage, or $132 each month. Plan on paying about $503 less per year for Acura TL insurance when compared to the average rate for all midsize luxury cars, and $635 less per year than the $2,221 national average.

The rate summary chart below details how average auto insurance prices can change depending on driver age and the choice of physical damage coverage deductibles.

The table below displays the estimated annual and 6-month policy costs, including a monthly budget estimate, for each Acura TL trim level.

The data below shows average Acura TL car insurance rates for the 2005 to 2014 model years.

A few additional important insights as they relate to Acura TL insurance cost include:

• Prepare for sticker shock for high risk insurance. For a 40-year-old driver, the requirement to buy a high-risk policy could inflate rates by $1,916 or more per year.
• Driving violations increase insurance rates. To get the cheapest possible TL insurance rates, it’s necessary to to be a conservative driver. A few driving offenses have the ramification of spiking the cost of a policy by at least $424 per year. Major violations such as reckless driving could raise rates by an additional $1,462 or more.
• Gender and age affect the rate you pay. For a 2014 Acura TL, a 20-year-old man will have an average rate of $3,166 per year, while a 20-year-old woman will get a rate of $2,298, a difference of $868 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,420 and the rate for females is $1,376, a difference of only $44.
• TL insurance rates for teens are expensive. Average rates for full coverage TL insurance costs $5,776 per year for a 16-year-old driver, $5,531 per year for a 17-year-old driver, $4,833 per year for an 18-year-old driver, and $4,453 per year for a 19-year-old driver.
• Avoid accidents and save. Having frequent accidents may increase rates, potentially by an additional $766 per year for a 30-year-old driver and even $414 per year for a 60-year-old driver.

How does Acura TL insurance compare?

When rates are compared to other vehicles in the midsize luxury car segment, car insurance rates for an Acura TL cost $132 less per year than the Lexus ES 350, $366 less than the Infiniti Q50, and $50 more than the Lincoln MKZ.

The Acura TL ranks fourth out of 52 total comparison vehicles in the midsize luxury car class for most affordable car insurance cost. The TL costs an average of $1,586 per year to insure and the category average auto insurance cost is $2,089 annually, a difference of $503 per year.

The table displayed below shows how average Acura TL car insurance cost compares to the most popular midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the Volvo S80.