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Acura TLX insurance rates

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Average Acura TLX insurance rates

Auto insurance on a 2017 Acura TLX will cost you about $152 a month on average. This works out to $1,824 per year, roughly $500 higher than the $1,318 national average. However, your location, among many other variables, directly influences your insurance premiums. For example, insuring an Acura TLX in Ohio would cost closer to $926, whereas it could be as high as $2,518 in West Virginia.

Companies that offer coverage for Acura TLX

Allstate.Allstate is one of the largest auto insurance providers in the country, and it’s not surprise why. This provider is home to a range of coverage options and a variety of auto insurance discounts that make it a strong choice for Acura TLX auto insurance.

Progressive. Progressive is best known for its innovative approach to auto insurance, offering a responsive website that allows customers to purchase coverage online. Its wide selection of policies are accompanied by a number of available auto insurance discounts.

Geico.Geico is the second largest auto insurance provider in the country, rivaled only by State Farm. Its policies are available in all 50 states, sold through local agents, by phone, and online

Compare insurance providers that cover Acura TLX

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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How to compare insurance for the Acura TLX

Comparing auto insurance can be complicated if you don’t know what to look for. Policies and providers can be very similar, making it difficult to compare your options. However, there are a few things to consider when making your decision:

  • Price. Start by figuring exactly how much coverage you need and which extras or features you want. Use this info to get quotes from providers, then compare your options by price.
  • Deductible. Choosing a high deductible amount can get you lower premiums, but you’ll pay more upfront in the event of a claim. Similarly, a lower deductible means you’ll pay less up front, but your monthly premiums will likely be higher.
  • Minimum coverage. You’re required to have a minimum amount of coverage based on your state. While price and extra features are important, it’s essential that you meet your state’s minimum.
  • Additional coverage. Some providers offer additional options like personal injury protection or uninsured motorist coverage. If these services are important to you, make sure to find a provider that offers them.
  • Extras. Tire & rim insurance, no-deductible glass repair and roadside assistance are just a few of the many extras that some providers offer. When comparing your options, be sure to find a provider that offers the extras you need.
  • Restrictions. Depending on your policy and provider, there may be restrictions on your coverage. Make sure to be aware of them to avoid denied claims or reduced payouts.
  • Manufacturer offer or loyalty discount. Check with Acura to find out if it has any special offers or discounts through partictular providers.
  • Warranty. You may be surprised at what your manufacturer warranty covers. There’s no point paying for extra insurance if your manufacturer already offers similar coverage. Check with Acura and your provider to avoid any overlap.

What factors affect car insurance rates for Acura TLX?

While your driving history, location, and other factors are important, the type of vehicle you drive significantly impacts the price you pay for insurance. Here’s how the Acura TLX measures up.

  • Body type. Four-door sedans like the Acura TLX are generally cheaper to insure than SUVs and sports cars.
  • Type of car. Acura mainly produces luxury vehicles, and the TLX is no different. While luxury sedans are less risky to insure compared to sports cars, for example, they can also be expensive to repair, which could impact your premiums.
  • Theft. Sedans are one of the most frequently stolen types of vehicles. This increased risk of theft could translate to higher premiums.
  • Repairs.While replacement parts and service shops for the TLX are generally easy to find, repairing the body of luxury vehicles can be expensive. This could be taken into consideration when determining your premiums.
  • Safety ratings. The TLX, like many other Acura models, has great safety ratings. These ratings and safety features can reduce the impact of a collision, which could make for lower premiums.

How do trim packages and extra build options affect insurance cost?

Auto insurance providers consider a number of vehicle-based factors when determining your premiums. This includes engine power, safety features, risk of theft, and more. Because of this, the packages and accesories you choose can impact the price you pay for auto insurance. Here are some of the packages and accessories available on the Acura TLX.

Packages

  • Tech. This package adds a navigation system, blind spot information system, cross-traffic monitor system, and more. These features can make driving safer, which could reduce your premiums.
  • Elite. The surround view camera system and LED fog lights in this package can increase visibility, decreasing risk of accidents and therefore, your premiums.
  • SH-AWD. This all wheel drive package may improve handling, but the substantial increase in horsepower could lead to higher premiums.
  • A-SPEC. While this package includes a handful of sport features, the LED fog lights and upgraded suspension may help you get better rates on auto insurance.

Accessories

  • Alloy wheels.Adding allow wheels could increase the cost of car insurance since they raise the value of your vehicle and may be a target for theft.
  • LED Fog lights.Fog lights can improve your visibility in poor conditions, reducing the likelihood of accidents. Therefore, they may reduce your auto insurance premiums.
  • Wheel locks. Wheel locks do a great job at preventing theft. Many providers will offer a discount if you have them installed.
  • Parking sensors.Parking sensors can help to prevent collisions, which may help you save on auto insurance.
  • Rear back up sensors. Like parking sensors, rear back-up sensors can reduce the chances of collisions, potentially leading to savings on auto insurance.

Acura TLX money-saving safety features

You could save money on car insurance for your Acura TLX if it comes equipped with these safety features.

  • Airbags
  • Daytime running lights
  • Anti-lock brakes
  • Anti-theft device
  • Surround camera system
  • Parking sensors
  • Rear back-up sensors
  • LED fog lights

Does the Acura TLX qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Acura TLX:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Usage or low mileage discount
  • Emergency roadside assistance discount

How reliable is the Acura TLX?

According to RepairPal, the Acura TLX gets a perfect 5/5 score for reliability, placing it at #2 out of 31 for luxury midsize sedans. The website also states that the average repair cost is $428, over $300 lower than the average of $762 for luxury midsize cars.

U.S. News and J.D. Power ratings are a bit lower, with most years coming in at 3.5 out of 5 possible stars, a bit better than most vehicles in its class.

According to J.D. Power, which maintains a database of recalls backed by industry updates, about 10,000 2015 Acura TLX have been affected by recalls:

  • 2015:Roughly 10,000 vehicles were recalled for broken, contaminated, or dislodged parking rods, which prevented the transmission from shifting into the park position.
  • So far, the 2016, 2017 and 2018 Acura TLX models have almost no reported complaints. The 2015 model is by far the most problematic, with many owners reporting transmission issues, even after vehicles were recalled for parking issues.

    Acura TLX maintenance

    Routine maintenance will help you extend the life of your vehicle. Here’s what to expect from the Acura TLX in terms of oil change costs, mileage, and more.

    • Oil changes should be done every 5,000 miles or four months.
    • An oil change for an Acura TLX should cost roughly $80 from a mechanic or $100 from an Acura dealership.
    • The 2018 Acura TLX 2.4L FWD gets an average of 27 miles per gallon, with 23 in the city and 33 on the highway.
    • The 2018 Acura TLX 3.5L FWD gets an average of 24 miles per gallon, with 20 in the city and 32 on the highway.
    • The 2018 Acura TLX 3.5L AWD gets an average of 24 miles per gallon, with 21 in the city and 30 on the highway.
    • Acura recommends that customers have their vehicle serviced at an official Acura dealer, but your warranty will remain in effect if you decide to have it serviced elsewhere.
    • The 2018 Acura TLX comes with Acura’s standard four-year/50,000-mile basic warranty and six-year/70,000-mile powertrain warranty. However, Acura also offers multiple extended warranty options.

    Is an extended warranty worth it for the Acura TLX?

    While the Acura TLX has great reliability ratings and low repair costs on average, it never hurts to consider an extended warranty. Beyond the standard four-year/50,000-mile basic warranty and six-year/70,000-mile powertrain warranty, you may want to consider extending your coverage in case something happens after the initial warranty period is up.

    How safe is the Acura TLX?

    According to U.S. News, the 2017 Acura TLX gets near-perfect safety ratings in almost all categories, for a total score of 9.7/10. The Insurance Institute for Highway Safety gives it amazing ratings in all categories except child seat anchors, which fall short because they can be difficult to use.

    About the Acura TLX

    Acura TLX Insurance FinderThe Acura TLX has been around since 2014. The 2017 model has one of the lowest base prices for a luxury midsize car. The Acura TLX was awarded a five-star overall safety rating from the National Highway Traffic Safety Administration.

    Insurance companies determine the insurance cost for an Acura TLX based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. If you’re considering an Acura TLX, grab quotes from several insurance companies to find the lowest premium possible before you commit. Do your research and see if you qualify for insurance discounts.

    Acura TLX money-saving safety features

    You could save money on car insurance for your Acura TLX if it comes equipped with these safety features.

    • Anti-lock brakes
    • Anti-theft device
    • Airbags
    • Seatbelt Pretensioners
    • Electronic stability control

    Random Acura facts

    • Founded in 1986 and the premiere models were the Legend and Integra.
    • Prices start at $28,000 and can go up to $156,000.
    • The first luxury car brand to be awarded top safety ratings throughout the entire model line.
    • Cars that were manufactured from 1990 to 2000 is always on the top of the list of the most stolen cars in America.
    • Approximately 161,360 Acura cars were sold in 2016.

    Acura TLX car insurance rates

    A 2017 Acura TLX starts at a base price of $32,000. With the average insurance rate of $1,824 per year, the annual insurance cost–to–base car price ratio is 5.7%.

    Model Monthly insurance rate Base car price
    ILX $160 $27,990
    MDX $191 $44,050
    NSX $191 $156,000
    RDX $153 $35,670
    RLX $152 $54,450
    TLX $152 $32,000

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    Bottom line

    Insuring a 2017 Acura TLX costs about $500 above the national average, which may vary depending on your location, driving history, trim & packages, and more. However, its great safety ratings and assortment of available safety features may help you get discounts or reduced rates on auto insurance. As always, it’s important to compare your options to find out which provider and policy is right for you.

    Find the cheapest rates

    Compare the best car insurance companies near you.

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    Frequently asked questions about the Acura TLX

    Compare Acura competitors

    If you like the TLX but want to see what else is out there, consider exploring other Acura models or find out what other manufacturers have to offer.

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