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

The average auto insurance price for an Acura RLX averages out to be around $287 monthly. Take a look at our new guide to see how much car insurance carriers might charge you to insure your Acura RLX.
man driving newly insured car
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Quick Facts

  • An Acura RLX costs more than most other cars to insure.
  • Full coverage for a RLX typically averages around $279 a month, while liability only insurance prices average about $65.
  • The most affordable auto insurance carrier for a RLX is Aspire, who offers rates as cheap as just $33 per month.

RLX Overview

With 2020 models starting at $54,900, the Acura RLX is a high-end car for drivers with extra room in their budgets. You'll have your choice of two different trim levels, so there's a style for every driver.

After analyzing thousands of car insurance quotes through, we've determined that average Acura RLX insurance premiums run around $287 a month. How do auto insurance rates for the RLX stack up against other similar cars?

Current Base Price$54,900
Body Style(s)Car
Average Insurance Premium$287/mo.
Cheapest Insurance CompanyAspire

How Much is Car Insurance for an Acura RLX?

Vehicle Liability Only Full Coverage
Acura RLX$65$279
All Acura Models$90$176
All Cars$83$177
Average Insurance Premium$81$169

You'll see in the table above that when you compare the Acura RLX to other vehicles, insurance prices are higher than average. RLX owners generally pay about $279 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $65 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other models, the RLX is more expensive, with premiums more than 10% higher than other vehicles in Acura's lineup. Compared to offerings from other brands, insurance for a RLX runs close to average, with full coverage insurance prices coming in at 58% higher than other cars and liability insurance rates at 22% cheaper.

Compared to all vehicles, regardless of make, body style, or model, the RLX is less expensive for liability only car insurance, but full coverage premiums are more expensive on average.

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Who has the Cheapest Car Insurance for an Acura RLX?

Insurance Company Average Monthly Premium
Commonwealth Casualty$45

In the market for an auto insurance policy for your Acura RLX? You might be wondering which company offers the lowest prices. Although there will never be one carrier that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $33 a month from Aspire. With car insurance as cheap as $41 a month, Dairyland is the next cheapest auto insurance company.

Elephant, Mercury, and Commonwealth Casualty round out the end of the top 5 list. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Acura RLX.

Insurance carriers take a wide array of different variables into consideration when offering you premiums. The only way to guarantee you find the most affordable rates is to compare quotes from many insurance companies.

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What Factors Affect Car Insurance Rates for an Acura RLX?

There are a variety of things that car insurance carriers use to determine how much to charge you for insurance -- and every carrier weighs certain pieces more than others, so there's not one company that's the lowest for each RLX owner.

Below are just a few of the factors auto insurance companies look at and how each one affects your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$55
2-3 Years$52
4-5 Years$72
6-7 Years$100
8-10 Years$104
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Acura RLX has been around for a while, so vehicle age will likely play a role in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go down.

Based on the above table, the Acura RLX bucks the trend, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest RLXs are 2 to 3 years old.

Your Age

Age Average Monthly Premium

Age is another variable that plays a significant role in how much you pay for auto insurance. In the table above, you'll see that those with more experience have lower prices compared to drivers under 24. Acura RLX drivers who are 18 to 24 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group being 65 years and older for RLX drivers.

Your Gender

Gender Average Monthly Premium

Because women are less likely to get tickets and get into accidents, they run a lower risk of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums. The Acura RLX sticks to the norm, where men pay around $67 per month for insurance, while women pay about $63.

Where You Live

State Average Monthly Premium
New York$98

You're probably already aware that variables such as how old you are and what vehicle you drive play a role in your car insurance rates, but you may not realize that where you live matters, too. Car insurance is regulated on the state level and not nationally, so prices differ quite a bit depending on which state you're located in.

For example, the average Acura RLX driver from New York pays around $98 monthly for liability coverage, while on average, the same owner from California will pay $47 less than that price.

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Acura RLX Car Insurance Discounts

No matter how old you are, what state you call home, or which car you drive, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

While no two auto insurance companies offer the same exact 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 an accredited school or institution
  • Multi-car discounts for adding more than one vehicle to your auto policy
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
  • Multi-policy discounts for bundling your home and auto policies with the same insurance carrier

While discounts are always a good way to save money on your car insurance, some of the best ways to save are just by having a good driving record and positive insurance profile.

You obviously can't control every single aspect of your insurance profile (like some of the factors we mentioned above), but you do have a say over some of it. Below are just a few of the things you can use in your favor when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$56
Multiple Accidents$144
1 Ticket$65
Multiple Tickets$59

It's no secret that car insurance companies offer the cheapest rates to drivers with a history of responsible driving. It checks out that your auto insurance premiums will increase if you get into an accident or get a ticket for speeding. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can tell, accidents will usually cost RLX drivers less than tickets, but both will result in a raise in rates. Acura RLX drivers with one ticket will pay about $65 a month, while drivers with a single accident on their record pay an average of $56 per month. The rates only get higher the more collisions you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$121
2,501-5,000 Miles$56
5,001-7,500 Miles$64
7,501-10,000 Miles$64
10,000+ Miles$53

How much you drive each year affects your insurance prices. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll usually be offered cheaper rates. Based on the table above, you can see that Acura RLX owners who drive more than 10,000 miles every year pay an average of $53 per month for auto insurance, while those who put less than 2,500 miles on their cars pay $121.

If you drive a limited amount, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Acura RLXs Compare to Other Vehicles?

If you're considering making an Acura RLX your next purchase, it can pay off to do your due diligence. Insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

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

Acura RLX National Average
Liability Insurance$52$81
Full Coverage Insurance$188$169
Base MSRP$54,900$46,547
Average Annual Mileage8,68211,617

Overall, the Acura RLX has an average MSRP and is in line with the going rate for a new vehicle. The RLX retails at $54,900, similar to the national average vehicle MSRP of $46,547.

Full coverage insurance for an Acura RLX is about $19 per month more than average, while liability only coverage is over $20 less monthly.

When it comes to usage, Acura RLX owners drive fewer miles annually than the national average, with 8,682 miles a year compared to 11,617 for all vehicles.

Acura RLX Car Insurance Costs by Model Year

You've seen how different factors can affect how much the average driver pays for insurance. If you're thinking about buying a new vehicle and the RLX is one you're considering, knowing what you can expect to pay is extremely valuable as you weigh your options.

2020 Acura RLX Car Insurance

Liability Only Avg. Premium$52
Full Coverage Avg. Premium$188
Base MSRP$54,900
Cheapest Insurance CompanyWorkmens - $35/mo.

It costs around $52 a month for liability or $188 for a full coverage policy for the 2020 RLX.

Workmens offered the lowest policy we found, with rates as little as just $35 monthly.

If you want to find the best prices for car insurance for a 2020 Acura RLX, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2019 Acura RLX Car Insurance

Liability Only Avg. Premium$125
Full Coverage Avg. Premium$591
Base MSRP$54,900
Cheapest Insurance CompanyClearcover - $44/mo.

2019 Acura RLX drivers can expect to pay an average of $125 per month for liability or $591 for full coverage.

We found Clearcover offered the cheapest policy, with rates sometimes as little as $44 a month.

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.

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2017 Acura RLX Car Insurance

Liability Only Avg. Premium$48
Full Coverage Avg. Premium$204
Base MSRP$54,450
Cheapest Insurance CompanyAspire - $33/mo.

The average cost to insure a 2017 RLX with liability only coverage is $48 monthly, while full coverage runs about $204 per month.

Looking for the lowest policy? Aspire offered liability only coverage for as little as $33 monthly.

Want something more accurate than nationwide averages? Enter your ZIP code below to get multiple free personalized quotes.

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2016 Acura RLX Car Insurance

Liability Only Avg. Premium$67
Full Coverage Avg. Premium$175
Base MSRP$54,450
Cheapest Insurance CompanyElephant - $25/mo.

On average, drivers who own a 2016 Acura RLX can expect to pay $67 to $175 a month for liability only and full coverage insurance, respectively.

Elephant has rates sometimes as cheap as $25 per month for the 2016 Acura RLX.

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

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2015 Acura RLX Car Insurance

Liability Only Avg. Premium$95
Full Coverage Avg. Premium$191
Base MSRP$48,450
Cheapest Insurance CompanyClearcover - $45/mo.
Available TrimsADVANCE, RLX, TECH

You can expect full coverage for a 2015 RLX to run around $191 a month, while liability only coverage will average about $95 monthly.

With premiums as low as $45 per month, Clearcover offered the most affordable policy we found for the 2015 Acura RLX.

If you want to know exactly how much you can expect to pay for your RLX, just enter your ZIP code below and get free quotes in minutes.

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2014 Acura RLX Car Insurance

Liability Only Avg. Premium$74
Full Coverage Avg. Premium$172
Base MSRP$48,450
Cheapest Insurance CompanyElephant - $31/mo.

2014 Acura RLX drivers can expect to pay an average of $74 monthly for liability or $172 for full coverage.

If you're looking for the most affordable 2014 Acura RLX insurance policy, Elephant offered the cheapest policy we found, with rates sometimes as low as $31 a month.

Want to know just how much you'll pay? Get several free personalized quotes by just entering your ZIP code below.

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Acura RLX Insurance FAQs

Is an Acura RLX expensive to insure?

Liability insurance runs an average of $65 per month, while full coverage will cost you around $279. The Acura RLX is more expensive to insure compared to the average car.

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

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like let you compare rates from a bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

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

Have you heard the old adage that red cars cost more to insure than cars of other colors before? Well, that's actually not the case. While there are a variety of things auto insurance companies consider when they decide how much your policy will be, your vehicle's color is not factored into that equation.

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

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but it's best to let your auto insurance company know ahead of time.

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

There are several different discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your Acura RLX and more on you, but if your RLX has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance carrier and ask about their discounts.

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