Acura TLX Car Insurance Cost for 2022

• Acura TLX car insurance costs $1,608 per year (about $134 per month) for a full coverage policy.
• When compared to the entire small luxury car segment, the TLX ranks very well at #3 out of 19 total comparison vehicles.
• With the cheapest car insurance rates, the TLX Sedan 2WD trim level costs an average of $1,504 per year to insure.
• At the high end, the TLX Type S AWD Performance is the most expensive to insure at $1,700 for an annual policy.

How much does Acura TLX car insurance cost?

Acura TLX insurance rates average $1,608 a year, or about $134 a month. Expect to pay approximately $109 less annually to insure an Acura TLX as compared to the average rate for small luxury cars, and $57 more per year than the all-vehicle national average of $1,551.

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 $1,436 up to the average rate for a 20-year-old driver of $3,198 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 $5,764 while a 16-year-old female would pay about $5,076. By age 18, rates drop to around $5,032 for males and $4,366 for female drivers.

How does Acura TLX insurance cost compare?

When rates are compared directly to the most popular models in the small luxury car segment, insurance for a Acura TLX costs $10 more per year than the BMW 330i, $194 less than the Mercedes-Benz C300, $16 less than the Volvo S60, and $144 less than the Audi A4.

The Acura TLX ranks #3 out of 19 total vehicles in the small luxury car class. The TLX costs an estimated $1,608 per year for full coverage insurance and the class average cost is $1,717 per year, a savings of $109 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 19 vehicle small luxury car segment.

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 $1,504 per year. The most expensive trim level of Acura TLX to insure is the Type S AWD Performance at $1,700 per year. The cost difference between cheapest and most expensive trims is $196.

The next table displays average annual and semi-annual TLX insurance policy prices, including a monthly budget amount, for each 2022 model year package and trim.

How much does location change insurance prices?

Depending on your zip code, the cost to insure a TLX can fluctuate significantly, from cheaper premiums like $1,218 a year in Columbus, OH or $1,086 in Virginia Beach, VA, to expensive rates such as $2,686 a year in Los Angeles, CA and $2,698 in Philadelphia, PA.

Some additional examples of rates include car insurance in Houston averaging $1,720 per year, Kansas City, MO, costing $2,040, Milwaukee, WI, at an estimated $1,638, and San Francisco, CA, at $2,310.

The data visualization below visualizes average Acura TLX insurance rates in the 15 largest metro areas in America. The annual premium amounts range from $1,218 per year in Columbus, OH, to $3,060 in New York, NY, a difference of $1,842.

What is the average TLX insurance cost in my state?

If we take a look at Acura TLX rates from a state perspective, states like Maine ($1,120) and Virginia ($1,044) have cheaper auto insurance, while states like Louisiana ($2,344) and Michigan ($2,580) have higher rates.

Most other states tend toward the middle, with states like New Mexico, Arkansas, and Alabama included in this group with average Acura TLX insurance rates of $1,298, $1,734, and $1,318 per year, respectively.

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 $252 per year over a lower credit score of 670-739. Conversely, a lower credit score could cost up to $293 more per year.
• Fewer accidents saves money. Causing too many accidents will raise rates, potentially by an extra $2,252 per year for a 20-year-old driver and even $516 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 $248 per year for a 40-year-old driver and $486 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 $262 per year for a 40-year-old driver and $514 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 ($1,464 per year) and a 30-year-old driver ($1,694 per year) is $230, or a savings of 13.6%.
• TLX insurance rates for teens are expensive. Average rates for full coverage TLX insurance costs $5,764 per year for a 16-year-old driver, $5,390 per year for a 17-year-old driver, and $5,032 per year for a 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 $272 per year on their insurance cost.