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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average monthly cost for an Acura TL is $159, which is right around the national average for all cars.
USAA offers the cheapest average rate for the TL, at just $81 per month.
Teen TL drivers are among the most expensive to insure, with average rates of $305 per month.
Your car insurance bill will look quite a bit different depending on the coverage you choose. Liability-only policies cover only damage you cause to others, so they usually cost less. Full coverage is typically more expensive, but it includes comprehensive and collision coverage to help repair your own car after an accident, theft, or weather damage.
Here’s a quick look at how average TL premiums for various policy types compare to the average for all other vehicles.
Vehicle | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Acura TL | $121 | $196 | $159 |
| All vehicles | $113 | $212 | $163 |
On average, you’ll pay $121 per month for liability and $196 per month for full coverage to insure your Acura TL. Full coverage for the TL is often cheaper than the national average, but liability policies tend to cost a little more.
That said, these are just averages. Your specific rates will depend on personal factors like your location and driving record. With that in mind, let’s take a look at which companies offer the cheapest policies for the Acura TL.
You might be surprised at how much car insurance quotes can vary between companies. You’ll sometimes find a massive difference in price for the exact same coverage.
Here are the cheapest insurers for the Acura TL, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $81 |
| State Farm | $89 |
| Allstate | $114 |
| American Family | $122 |
| GEICO | $125 |
| CSAA | $137 |
| Nationwide | $147 |
| Progressive | $151 |
| Travelers | $154 |
| Farmers | $174 |
| Liberty Mutual | $208 |
| Amica | $392 |
USAA’s TL rates average $81 per month, nearly half the typical cost for this car. Let’s take a closer look at three of the best car insurance companies for the TL.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you’re a member of the military community, USAA is often your best bet for affordable rates and great customer service. It consistently ranks as one of the best insurers for customer and claims satisfaction in J.D. Power studies.
Safe drivers can save even more with USAA’s SafePilot telematics program. And if you don’t drive often, you might find lower rates with SafePilot Miles.
Top-rated customer service
Cheapest average TL rates
Excellent claims handling[1]
Only available to military members and eligible family
Limited physical branches
Diminishing deductible not available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a fantastic alternative if you don’t qualify for USAA coverage. As the nation’s largest insurer, it offers a personal touch with thousands of local agents ready to help you manage your policy.
It’s especially great for young TL drivers, who can save up to 15% with the Steer Clear program, a safety course designed specifically for drivers younger than 25.
Many available agents
Cheap rates for teen drivers
Excellent financial strength rating[2]
Gap insurance not available
Can be more expensive for drivers with less-than-perfect credit
Fewer optional coverages than some other competitors
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate is ideal if you love earning rewards for safe driving habits. The company’s Drivewise program tracks your driving in real time and can lower your rates for safe behavior, plus you’ll receive a bonus discount just for signing up.
Although Allstate’s base premiums might be slightly higher than some insurers’, its customizable discounts and user-friendly digital tools make it a strong competitor for careful TL drivers.
Compare quotes for your luxury sedan as low as $81 per month.
Acura hasn’t manufactured the TL for more than a decade, but plenty of these popular sedans are still on the road. Car insurance for the TL is typically less than for a newer TLX, which replaced the TL in Acura’s lineup.
That’s because an older car usually has a lower value, and insurers would pay less to replace it if you total it. Here’s a quick look at average monthly premiums for the Acura TL by model year, based on Compare.com data.
TL Model Year | Average Monthly Premium |
|---|---|
| 2014 | $153 |
| 2013 | $145 |
| 2012 | $141 |
| 2011 | $138 |
| 2010 | $135 |
| 2009 | $130 |
| 2008 | $129 |
| 2007 | $127 |
| 2005 | $122 |
| 2004 | $119 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $86 |
| Allstate | $110 |
| American Family | $117 |
| GEICO | $120 |
| CSAA | $132 |
| Nationwide | $142 |
| Progressive | $145 |
| Travelers | $148 |
| Farmers | $168 |
| Liberty Mutual | $200 |
| Amica | $377 |
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $81 |
| Allstate | $104 |
| American Family | $111 |
| GEICO | $114 |
| CSAA | $125 |
| Nationwide | $134 |
| Progressive | $138 |
| Travelers | $141 |
| Farmers | $159 |
| Liberty Mutual | $190 |
| Amica | $358 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $79 |
| Allstate | $101 |
| American Family | $108 |
| GEICO | $111 |
| CSAA | $122 |
| Nationwide | $130 |
| Progressive | $134 |
| Travelers | $137 |
| Farmers | $154 |
| Liberty Mutual | $185 |
| Amica | $348 |
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $77 |
| Allstate | $99 |
| American Family | $106 |
| GEICO | $108 |
| CSAA | $118 |
| Nationwide | $127 |
| Progressive | $131 |
| Travelers | $133 |
| Farmers | $150 |
| Liberty Mutual | $180 |
| Amica | $339 |
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| State Farm | $76 |
| Allstate | $97 |
| American Family | $104 |
| GEICO | $106 |
| CSAA | $117 |
| Nationwide | $125 |
| Progressive | $129 |
| Travelers | $131 |
| Farmers | $148 |
| Liberty Mutual | $177 |
| Amica | $334 |
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| State Farm | $73 |
| Allstate | $94 |
| American Family | $100 |
| GEICO | $103 |
| CSAA | $112 |
| Nationwide | $121 |
| Progressive | $124 |
| Travelers | $126 |
| Farmers | $143 |
| Liberty Mutual | $171 |
| Amica | $322 |
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| State Farm | $72 |
| Allstate | $92 |
| American Family | $99 |
| GEICO | $101 |
| CSAA | $111 |
| Nationwide | $119 |
| Progressive | $123 |
| Travelers | $125 |
| Farmers | $141 |
| Liberty Mutual | $169 |
| Amica | $318 |
Company | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $71 |
| Allstate | $91 |
| American Family | $97 |
| GEICO | $100 |
| CSAA | $109 |
| Nationwide | $117 |
| Progressive | $120 |
| Travelers | $123 |
| Farmers | $139 |
| Liberty Mutual | $166 |
| Amica | $313 |
Company | Average Monthly Premium |
|---|---|
| USAA | $62 |
| State Farm | $68 |
| Allstate | $87 |
| American Family | $94 |
| GEICO | $96 |
| CSAA | $105 |
| Nationwide | $113 |
| Progressive | $116 |
| Travelers | $118 |
| Farmers | $133 |
| Liberty Mutual | $159 |
| Amica | $301 |
Company | Average Monthly Premium |
|---|---|
| USAA | $61 |
| State Farm | $67 |
| Allstate | $85 |
| American Family | $91 |
| GEICO | $94 |
| CSAA | $103 |
| Nationwide | $110 |
| Progressive | $113 |
| Travelers | $115 |
| Farmers | $130 |
| Liberty Mutual | $156 |
| Amica | $294 |
Where you live has a big influence on your Acura TL’s insurance cost. Rates differ because states set their own coverage rules. Local risks like severe weather, traffic, medical costs, and accident rates also affect premiums.[5]
The map below shows average monthly premiums by state for Acura TL drivers, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $131 |
| Arizona | $151 |
| Arkansas | $140 |
| California | $171 |
| Colorado | $171 |
| Connecticut | $237 |
| Delaware | $198 |
| Florida | $185 |
| Georgia | $212 |
| Hawaii | $105 |
| Idaho | $89 |
| Illinois | $87 |
| Indiana | $132 |
| Iowa | $108 |
| Kansas | $123 |
| Kentucky | $164 |
| Louisiana | $178 |
| Maine | $125 |
| Maryland | $252 |
| Massachusetts | $116 |
| Michigan | $191 |
| Minnesota | $145 |
| Mississippi | $151 |
| Missouri | $125 |
| Montana | $124 |
| Nebraska | $74 |
| Nevada | $97 |
| New Hampshire | $120 |
| New Jersey | $73 |
| New Mexico | $224 |
| New York | $121 |
| North Carolina | $211 |
| North Dakota | $183 |
| Ohio | $103 |
| Oklahoma | $142 |
| Oregon | $127 |
| Pennsylvania | $134 |
| Rhode Island | $183 |
| South Carolina | $203 |
| South Dakota | $115 |
| Tennessee | $118 |
| Texas | $182 |
| Utah | $125 |
| Vermont | $149 |
| Virginia | $119 |
| Washington | $141 |
| Washington D.C. | $262 |
| West Virginia | $101 |
| Wisconsin | $123 |
| Wyoming | $94 |
Experience behind the wheel makes a big difference in what you pay for coverage. Teens often face the highest premiums because they lack experience and are more likely to be in crashes.
Premiums drop once you reach your 20s and 30s. Senior drivers pay the lowest rates because they typically drive less, have fewer accidents, and are more likely to obey the rules of the road.
Check out the average monthly Acura TL insurance costs by age group, based on our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $305 |
| Adults | $159 |
| Seniors | $137 |
Teens pay more for Acura TL insurance than other age groups. Younger drivers take more chances behind the wheel and have a greater risk of crashes. Drivers between 16 and 19 are nearly three times more likely to be in fatal crashes than older drivers, according to the Centers for Disease Control and Prevention (CDC).[6]
The following chart shows average monthly Acura TL insurance rates for young drivers by company, according to our data.
Older drivers often pay lower insurance rates. That’s because seniors tend to drive less and have safer habits behind the wheel. Many older drivers avoid busy roads, nighttime driving, and bad weather, which means they have fewer accidents.[7]
Here’s a breakdown of average monthly premiums for senior TL drivers by insurance company, based on our data.
Insurance companies place a lot of importance on your driving record when setting premiums for your TL. A clean record can help keep your rates lower, while tickets, accidents, and driving under the influence (DUI) convictions signal more risk to insurers.
But even with a less-than-perfect driving record, you can still find options for Acura TL insurance coverage. Some car insurance companies specialize in covering drivers with past violations.
The table below illustrates how driving record affects premiums for TL drivers, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $159 |
| Speeding ticket | $213 |
| At-fault accident | $227 |
| DUI | $267 |
While some groups are more prone to speeding than others, just about anyone can get a speeding ticket. Just one ticket can increase your car insurance premium by about 29%, our data shows.
The more tickets you get and the faster you go over the limit, the more severe the effect can be on your premium. Here’s a look at how speeding tickets affect TL insurance costs from top companies, according to our data.
If you cause an accident, your insurer will likely raise your rates. Since your insurance company has to pay out your claim, it will increase your premium. That hike will generally remain for a few years.[8]
Here’s what top insurers charge TL drivers with an at-fault accident on their records, according to Compare.com.
If you have a DUI on your driving record, you’ll likely pay significantly higher insurance costs. Driving under the influence quadruples your risk of getting into an accident — and insurers raise your rates to account for the higher risk.[9]
You’ll also probably need your insurance company to file a certificate of financial responsibility for you — either an SR-22 or FR-44 form. Not all insurers offer this service, but you’ll typically need these forms before you can get your license back.
Here’s how a DUI affects Acura TL insurance costs from some top insurance companies, according to our data.
While the TL is a reliable ride, a few specific factors of your car will affect your rates. Insurers consider details like repair costs and theft risk when determining your premium.
Other things that influence your premiums include:
Vehicle value: Older models like the 2004 Acura TL are very affordable, often valued around $2,500.[10] That keeps insurance costs lower than for newer luxury cars.
Theft rates: Fortunately, the Acura TL doesn’t appear on the National Insurance Crime Bureau’s latest list of most stolen vehicles.[11] So you won’t face the high theft surcharges that owners of models like the Hyundai Elantra do.
Repair costs: As a luxury sedan, parts can be pricier than standard economy cars, potentially pushing your premiums up.
Safety features: The TL has solid safety ratings, and features in later models can help you qualify for additional discounts.[12]
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Since the Acura TL is an older luxury car, you have some unique opportunities to save. You don’t have to settle for the first price you find. Try these strategies to lower your monthly bill.
Reconsider your coverage. If your TL is an older model worth less than $4,000, think about dropping comprehensive and collision coverage. Paying for them might cost more than the car is worth.
Install anti-theft devices. Although the TL isn’t a common target for thieves, adding an alarm or GPS tracker may earn you a discount with many insurers.
Bundle your policies. Some insurers offer discounts for combining your auto policy with renters or homeowners insurance.
Shop around. Rates vary wildly for the TL. For example, USAA is nearly $40 cheaper per month than GEICO. That makes comparing quotes the best way to save.
Get rates from 100+ top insurers and save money in seconds.
The Acura TL is a reliable luxury sedan that blends performance with comfort, but you may have questions about protecting it with the right coverage. To help you make the best decisions about your policy, here are answers to some of the most common insurance questions.
Not typically. The Acura TL is relatively cheap to insure, partly because the newest ones on the road are already about a decade old. The average cost of Acura TL insurance is $159 per month, which is lower than the overall average for all vehicles, at $163 per month, according to Compare.com data.
USAA is the cheapest insurance company for the Acura TL, with rates averaging $81 per month, according to Compare.com data. State Farm and Allstate are more widely available and also offer affordable coverage, with average rates of $89 and $114 per month, respectively.
On average, it costs around $159 per month to insure a TL, according to Compare.com data. That breaks down to an average of $121 per month for basic liability and $196 for full coverage.
The Acura MDX is the cheapest Acura model to insure, averaging $156 per month, according to Compare.com data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
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