Acura CL Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring an Acura CL costs about the same as insuring the average car.
• Liability car insurance for a CL tends to be around $86 a month, while full coverage usually averages about $174.
• At as little as just $30 per month for liability only coverage, Ohio Mutual is the lowest insurance carrier for a CL.

CL Overview

With a base price of $28,200 for 2003 models, the Acura CL is a great choice for a mid-level car. You'll have your choice of two different trim levels, so there's something there for every driver.

We analyzed thousands of auto insurance quotes on Compare.com, and we've determined that, on average, Acura CL insurance premiums run around $111 a month. How do car insurance rates for the CL stack up against other similar cars?

How Much is Car Insurance for an Acura CL?

Looking at the table above, you can see that Acura CL insurance prices are right about average compared to other vehicles on the road. On average, CL drivers can expect to pay around $174 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $86 per month for liability only insurance (learn more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other models, the CL is matches Acura's vehicle offerings. Compared to offerings from other brands, auto insurance for a CL runs close to average, with full coverage insurance rates $3 cheaper than other cars and liability insurance premiums coming in at $3 higher.

Compared to all vehicles, no matter which model, body style, or make they are, the CL follows a similar pattern of having average insurance rates.

Who has the Cheapest Car Insurance for an Acura CL?

Browsing for an auto insurance policy for your Acura CL? You're probably wondering which company offers the lowest prices. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $30 per month from Ohio Mutual. The next cheapest carrier is Aspire, who offers insurance as little as $35 a month.

NationalGeneral, Encompass, and USAA round out the end of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies take a whole range of different variables into consideration when offering you premiums. By reviewing quotes from a whole bunch of car insurance carriers at once, you can be confident you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for an Acura CL?

There are several factors that auto insurance companies reference to decide how much to charge -- and every company weighs certain pieces more than others, so there's not one carrier that's the cheapest for each CL owner.

The sections below show numerous things insurance carriers use to calculate rates:

Vehicle Age

The Acura CL has been around for a while -- that means vehicle age can make a difference in what you end up paying for auto insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and CLs continue to depreciate, insurance costs will gradually get lower.

A new Acura CL model hasn't been added to the market for over 5 years, so the CL won't really fit this trend. However, as you can see in the table above, the most expensive Acura CLs to insure are those that are 15 years old or more, while the cheapest models are CLs that are 11 to 14 years old, on average.

Your Age

How old you are plays a significant role in how much car insurance companies will charge you for insurance. Based on the information above, drivers who have more experience pay less for car insurance compared to younger CL drivers. Acura CL drivers aged between 18 and 24 actually pay $57 more than those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group being 65 years and older for CL drivers.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable prices. When it comes to CL drivers specifically, women pay about 10% less than men per month for auto insurance.

Where You Live

It may seem like common sense that variables such as what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can matter just as much? Auto insurance is regulated on the state level and not nationally, so rates change quite a bit from state to state.

For example, the average Acura CL driver from New York pays around $130 monthly for liability coverage, while on average, the same owner from California will pay less than 50% of that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change between states.

Acura CL Car Insurance Discounts

No matter how old you are, where you live, or which vehicle you drive, using as many discounts as possible when it comes to your auto insurance is always the smart move when shopping around for a policy.

Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-car discounts for having more than one vehicle on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for using the same insurance company for both your home and auto insurance

These discounts are great, but sometimes, the best way to save isn't through a "discount" at all, but rather by not having recent insurance claims and maintaining a clean driving record.

Of course, you can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), but there is quite bit in your control. Below are just a few of the ones you can use to your favor in order to save money on insurance:

Your Driving Record

You've almost certainly seen ads from car insurance companies promoting large savings for responsible drivers. And you probably wouldn't be surprised that if you get cited for speeding or get into an accident, auto insurance rates will go higher. But how much will they cost you?

If you look at the table above, you'll see that accidents will usually cost CL drivers more than tickets, but both will cause a significant increase in rates. Acura CL drivers with one ticket will pay an average of $98 a month, while drivers with a single accident on their record pay about $104 every month (up $18 from the $86/mo. overall average). The rates only increase the more tickets you get or accidents you have.

How Much You Drive

Another variable you have control over is how much you drive annually. Those who are on the roads less often are less likely to get tickets, so they'll normally end up spending less on car insurance. Based on the table above, you can see that Acura CL owners who drive 10,000 miles or more pay $88 for insurance, while those who drive fewer than 2,500 miles each year pay about $83 monthly.

But if you don't drive much because you work from home or have a second vehicle, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Acura CLs Compare to Other Vehicles?

If you're considering making an Acura CL your next purchase, it might be helpful to do your homework. Insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Check out the table below to see how the Acura CL compares:

Overall, the Acura CL has an MSRP that's in line with the going rate for a new vehicle. The CL goes for $28,200, similar to the national average vehicle MSRP of $29,667. And since it's been a few years since a new CL model has been on the market, used prices are going to be even more affordable.

Although the CL has a pretty average price, insurance prices run slightly above average when compared to other vehicles on the market. Full coverage insurance for an Acura CL is about $6 per month more than average, while liability only coverage is $4 higher per month.

When it comes to usage, Acura CL owners drive about the same amount annually as the national average, with 10,681 miles a year compared to 11,617 for all vehicles.

Acura CL Car Insurance Costs by Model Year

We've gone over many of the things that can have an impact on how much the average driver pays to insure an Acura CL. If you're in the market for a new car, truck, or SUV and the CL is on your wishlist, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2003 Acura CL Car Insurance

The average cost to insure a 2003 CL with liability only coverage is $85 a month, while full coverage runs around $175 per month.

Mile Auto has rates sometimes as low as $21 monthly for the 2003 Acura CL.

While these are good estimates of what the average driver might pay to insure a 2003 Acura CL, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2002 Acura CL Car Insurance

It costs about $89 a month for liability or $127 for a full coverage policy for the 2002 Acura CL.

Clearcover offered the most affordable policy we found, with rates as cheap as just $22 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2002 Acura CL, you can get free quotes in minutes by just entering your ZIP code below.

2001 Acura CL Car Insurance

On average, drivers who own a 2001 CL can expect to pay $94 to $172 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2001 Acura CL insurance policy, MetLife offered the lowest policy we found, with rates sometimes as little as $17 per month.

Interested in just how much you'll pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

1999 Acura CL Car Insurance

You can expect full coverage for a 1999 Acura CL to run around $219 monthly, while liability only coverage will average about $91 a month.

With prices as cheap as $20 monthly, Jupiter offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

1998 Acura CL Car Insurance

1998 CL drivers can expect to pay an average of $82 per month for liability or $192 for full coverage.

With rates sometimes as cheap as $19 a month, Mercury offered the cheapest policy we found for the 1998 Acura CL.

Want to find the lowest rates? Enter your ZIP code below to get multiple personalized quotes for free.

1997 Acura CL Car Insurance

It costs around $70 monthly for liability or $156 for a full coverage policy for the 1997 Acura CL.

Looking for the most affordable policy? AnchorGeneral offered liability only coverage for as low as just $20 per month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

Acura CL Insurance FAQs

Is an Acura CL expensive to insure?

Liability insurance runs an average of $86 a month, while full coverage will cost you around $174. The cost of insurance for the Acura CL is about the same as insuring the average car.

How can I get the best price on car insurance for my Acura CL?

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and comparing quotes from a bunch of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from lots of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Acura CL affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure, but that's just a myth. There are many factors auto insurance carriers look at when they decide how much your policy will be, but your car's color is not one of them.

Do I need to have insurance before I buy an Acura CL?

Before you can legally drive your new (or new to you) Acura CL off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships might offer you an insurance policy, but the easiest thing to do is to let your insurance company know before you buy.

What car insurance discounts can I get for my Acura CL?

There are a lot of different discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your CL has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, get in touch with your insurance carrier and ask about which discounts they offer.