# What is the average insurance cost for an Acura TL?

Amelia Palmer · August 5, 2026

> The average insurance cost for an Acura TL is approximately $1,546 per year, or about $129 per month, which places it fourth among 52 midsize luxury...

The average insurance cost for an Acura TL is approximately $1,546 per year, or about $129 per month, which places it fourth among 52 midsize luxury cars for insurance rates.

The least expensive trim level to insure is the 35 SE Sedan, with an average annual cost of $1,522, which highlights how trim levels can significantly affect insurance premiums.

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Insurance costs tend to vary based on the driver's profile, with a sample profile of a 30-year-old single male showing an average premium of $1,546 for full coverage.

Interestingly, about 53% of drivers opt for state liability coverage only, which is often cheaper than full coverage but may not provide adequate protection in case of an accident.

The cheapest insurance company for an Acura TL, based on current data, is GEICO, which offers rates as low as $57 per month for full coverage.

For older models, such as the 2004 Acura TL, some drivers have reported premiums as low as $18 monthly, demonstrating how insurance rates can decrease with the age of the vehicle.

The cost of insuring an Acura TL can vary by model year, but rates have shown to be relatively consistent across different years, making it easier for prospective buyers to estimate insurance costs.

The Acura TL's safety ratings also play a role in determining insurance costs.

For instance, the 2014 model received a 4-star crash test rating from the National Highway Traffic Safety Administration.

Insurance premiums can be affected by the vehicle's repair costs.

Generally, newer cars may have higher repair costs due to advanced technology, which can lead to higher insurance premiums.

A unique aspect of car insurance is that vintage or unique cars may see a decrease in premiums as they age.

This is due to their lower repair and replacement costs compared to newer vehicles.

The average cost of insurance for the Acura TL varies widely between different insurers, with some quoting as high as $458 per month, illustrating the importance of comparing rates.

The Acura TL's 37 SHAWD trim level is the most expensive to insure, reflecting how vehicle performance and features can impact insurance costs.

Factors such as geographic location, driving history, and credit score can also significantly influence insurance rates, often leading to surprising differences in premiums even among similar drivers.

Insurance companies use complex algorithms that take into account various risk factors when determining premiums, meaning that two drivers with similar profiles can still see different rates.

The average full coverage insurance cost for the Acura TL is comparable to other Acura models, such as the MDX, which averages $171 per month.

Driver behavior is another critical factor; drivers with a history of accidents or traffic violations are likely to pay higher premiums compared to those with clean driving records.

The impact of technology on vehicle insurance is significant; vehicles equipped with advanced safety features may qualify for discounts on premiums due to their lower risk of accidents.

Research shows that many drivers do not shop around for insurance, often sticking with their current provider, which can lead to missed savings opportunities.

Discounts for bundling insurance policies, such as combining auto and home insurance, can provide significant savings, often reducing overall premiums by a substantial percentage.

Finally, it is essential for car owners to regularly review their insurance policy and shop for new quotes, as rates can fluctuate over time based on changes in the insurance market and personal circumstances.

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