- Acura TLX car insurance costs $2,484 per year (about $207 per month) for a full coverage policy.
- When compared to the entire small luxury car segment, the TLX ranks very well at third out of 18 total comparison vehicles.
- With the cheapest car insurance rates, the TLX Sedan 2WD trim level costs an average of $2,296 per year to insure.
- At the high end, the TLX Type S AWD Performance is the most expensive to insure at $2,614 for an annual policy.
How much does Acura TLX car insurance cost?
Acura TLX insurance rates average $2,484 a year, or about $207 a month. Expect to pay approximately $157 less annually to insure an Acura TLX as compared to the average rate for small luxury cars, and $208 more per year than the all-vehicle national average of $2,276.
The following chart illustrates how average Acura TLX car insurance rates vary with changes in driver age and a range of policy deductibles.
As with all car insurance policies, the higher the policy deductibles, the lower the policy costs. In the chart above, average TLX auto insurance rates range from an average rate for a 60-year-old driver of $2,052 up to the average rate for a 20-year-old driver of $4,940 per year.
Expect to pay much higher rates when insuring a teenager on an Acura TLX. For example, a 16-year-old male driver with a clean driving record would pay around $8,604 while a 16-year-old female would pay about $8,047. By age 18, rates drop to around $7,570 for males and $6,971 for female drivers.
How does Acura TLX insurance cost compare?
When rates are compared directly to a handful of more popular models in the small luxury car segment, insurance for a Acura TLX costs $146 less per year than the BMW 230i, $28 less per year than the Genesis G70, and $40 more per year than the BMW 330i.
The Acura TLX ranks third out of 18 total vehicles in the small luxury car class. The TLX costs an estimated $2,484 per year for full coverage insurance and the class average cost is $2,641 per year, a savings of $157 per year.
The chart below shows how well the TLX fares against the top 10 selling small luxury cars (itself included in that list) for car insurance affordability. A more comprehensive table after the chart that breaks down rates for the entire 18 vehicle small luxury car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura Integra | $2,134 | -$350 |
| 2 | BMW 330i | $2,444 | -$40 |
| 3 | Acura TLX | $2,484 | -- |
| 4 | Cadillac CT4 | $2,506 | $22 |
| 5 | Genesis G70 | $2,512 | $28 |
| 6 | Lexus IS 350 | $2,534 | $50 |
| 7 | Lexus RC 350 | $2,604 | $120 |
| 8 | BMW 330e | $2,606 | $122 |
| 9 | BMW 228i | $2,608 | $124 |
| 10 | BMW 230i | $2,630 | $146 |
| 11 | Audi S3 | $2,690 | $206 |
| 12 | Alfa Romeo Giulia | $2,704 | $220 |
| 13 | Audi A4 | $2,762 | $278 |
| 14 | BMW M235i | $2,776 | $292 |
| 15 | Volvo S60 | $2,814 | $330 |
| 16 | Audi RS 3 | $2,868 | $384 |
| 17 | BMW M240i | $2,924 | $440 |
| 18 | BMW M340i | $2,932 | $448 |
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 2024 model year. Updated October 24, 2025
Do higher trim TLX models cost more to insure?
The cheapest trim level of Acura TLX to insure is the Sedan 2WD at an estimated $2,296 per year. The most expensive trim level of Acura TLX to insure is the Type S AWD Performance at $2,614 per year. The cost difference between cheapest and most expensive trims is $318.
The next table displays average annual and semi-annual TLX insurance policy prices, including a monthly budget amount, for each 2024 model year package and trim.
| 2024 Acura TLX Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sedan 2WD | $2,296 | $191 |
| Technology 2WD | $2,394 | $200 |
| A-Spec 2WD | $2,452 | $204 |
| A-Spec AWD | $2,494 | $208 |
| Advance AWD | $2,532 | $211 |
| Type S AWD | $2,600 | $217 |
| Type S AWD Performance | $2,614 | $218 |
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
Average Acura TLX insurance rates by U.S. city and state
Depending on your zip code, the cost to insure a TLX can fluctuate significantly, from cheaper premiums like $2,140 a year in Columbus, OH or $2,012 in Virginia Beach, VA, to expensive rates such as $3,608 a year in Los Angeles, CA and $3,622 in Philadelphia, PA.
Some additional examples of rates include car insurance in Houston averaging $2,644 per year, Kansas City, MO, costing $2,964, Milwaukee, WI, at an estimated $2,560, and San Francisco, CA, at $3,232.
The data visualization below visualizes average Acura TLX insurance rates in the thirty largest metro areas in America.
If we take a look at Acura TLX rates from a state perspective, states like Maine ($1,890) and Virginia ($2,002) have cheaper auto insurance, while states like Louisiana ($2,788) and Michigan ($2,988) have higher rates.
The table below details average rates in all fifty U.S. states for 2024 Acura TLX insurance.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $2,426 | $202 |
| Alaska | $2,170 | $181 |
| Arizona | $2,454 | $205 |
| Arkansas | $2,688 | $224 |
| California | $2,984 | $249 |
| Colorado | $2,736 | $228 |
| Connecticut | $2,812 | $234 |
| Delaware | $2,856 | $238 |
| Florida | $2,888 | $241 |
| Georgia | $2,646 | $221 |
| Hawaii | $2,032 | $169 |
| Idaho | $2,088 | $174 |
| Illinois | $2,386 | $199 |
| Indiana | $2,150 | $179 |
| Iowa | $2,010 | $168 |
| Kansas | $2,578 | $215 |
| Kentucky | $2,734 | $228 |
| Louisiana | $2,788 | $232 |
| Maine | $1,890 | $158 |
| Maryland | $2,476 | $206 |
| Massachusetts | $2,766 | $231 |
| Michigan | $2,988 | $249 |
| Minnesota | $2,352 | $196 |
| Mississippi | $2,562 | $214 |
| Missouri | $2,838 | $237 |
| Montana | $2,456 | $205 |
| Nebraska | $2,308 | $192 |
| Nevada | $2,960 | $247 |
| New Hampshire | $2,012 | $168 |
| New Jersey | $2,988 | $249 |
| New Mexico | $2,284 | $190 |
| New York | $2,890 | $241 |
| North Carolina | $1,930 | $161 |
| North Dakota | $2,296 | $191 |
| Ohio | $2,062 | $172 |
| Oklahoma | $2,790 | $233 |
| Oregon | $2,486 | $207 |
| Pennsylvania | $2,534 | $211 |
| Rhode Island | $3,038 | $253 |
| South Carolina | $2,314 | $193 |
| South Dakota | $2,656 | $221 |
| Tennessee | $2,520 | $210 |
| Texas | $2,476 | $206 |
| Utah | $2,384 | $199 |
| Vermont | $2,114 | $176 |
| Virginia | $2,002 | $167 |
| Washington | $2,430 | $203 |
| West Virginia | $2,410 | $201 |
| Wisconsin | $2,092 | $174 |
| Wyoming | $2,404 | $200 |
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. Updated October 24, 2025
Additional Rates and Information
Below you can read about additional rates for different scenarios and also learn about possible discounts that may be available from your company.
- Polish up your credit rating for lower rates. In states that have insurance regulations that allow credit ratings to be used as a policy cost factor, having excellent credit of 800+ may see savings of $390 per year over a lower credit score of 670-739. Conversely, a lower credit score could cost up to $452 more per year.
- Fewer accidents saves money. Causing too many accidents will raise rates, potentially by an extra $3,456 per year for a 20-year-old driver and even $702 per year for a 50-year-old driver.
- The higher the deductibles, the lower the cost. Increasing deductibles from $500 to $1,000 could save around $420 per year for a 40-year-old driver and $812 per year for a 20-year-old driver.
- Low deductibles makes insurance more expensive. Decreasing your deductibles from $500 to $250 could cost an additional $434 per year for a 40-year-old driver and $856 per year for a 20-year-old driver.
- Older drivers tend to pay less than younger drivers. The difference in insurance rates for a TLX between a 50-year-old driver ($2,194 per year) and a 30-year-old driver ($2,654 per year) is $460, or a savings of 19%.
- TLX insurance rates for teens are expensive. Average rates for full coverage TLX insurance costs $8,604 per year for a 16-year-old driver, $8,371 per year for a 17-year-old driver, and $7,570 per year for an 18-year-old driver.
- Research policy discounts to lower the cost. Discounts may be available if the policyholders are accident-free, are senior citizens, drive low annual mileage, are loyal customers, or many other policy discounts which could save the average driver as much as $420 per year on their insurance cost.