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

• Acura TL car insurance costs an average of $1,624 per year, or around $135 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 $1,598 per year.
• The TL 3.7 SH-AWD w/Advance Package Sedan has the highest rates at $1,684 per year.

How much does Acura TL insurance cost?

Acura TL car insurance costs on average $1,624 annually for full coverage, or $135 each month. Plan on paying about $515 less per year for Acura TL insurance when compared to the average rate for all midsize luxury cars, and $652 less per year than the $2,276 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 $1,964 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 $436 per year. Major violations such as reckless driving could raise rates by an additional $1,498 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 $3,246 per year, while a 20-year-old woman will get a rate of $2,354, a difference of $892 per year. The females get the cheaper rate by far. But by age 50, the rate for males is $1,454 and the rate for females is $1,410, a difference of only $44.
• TL insurance rates for teens are expensive. Average rates for full coverage TL insurance costs $5,918 per year for a 16-year-old driver, $5,665 per year for a 17-year-old driver, $4,952 per year for an 18-year-old driver, and $4,562 per year for a 19-year-old driver.
• Avoid accidents and save. Having frequent accidents may increase rates, potentially by an additional $786 per year for a 30-year-old driver and even $424 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 $134 less per year than the Lexus ES 350, $376 less than the Infiniti Q50, and $52 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 $1,624 per year to insure and the category average auto insurance cost is $2,139 annually, a difference of $515 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.