Is an Acura TLX expensive to insure?
The Acura TLX is a mid-size luxury sedan that generally has higher insurance costs compared to non-luxury vehicles. However, the exact insurance rates can vary depending on several factors, including the driver's age, location, driving record, and coverage levels.
Factors Affecting Acura TLX Insurance Costs
The Acura TLX is considered a luxury vehicle, which means it typically has higher insurance premiums than non-luxury models. Some key factors that influence the insurance costs for an Acura TLX include:
- Vehicle Value: Luxury vehicles like the Acura TLX tend to have higher sticker prices, which translates to higher replacement costs. This makes them more expensive to insure.
- Performance and Safety Features: The Acura TLX comes equipped with advanced safety features and a powerful engine, which can increase insurance rates due to the higher risk of accidents and claims.
- Driver Demographics: Factors like the driver's age, gender, location, and driving history can significantly impact insurance rates for the Acura TLX. Younger, less experienced drivers typically pay higher premiums.li>
- Coverage Levels: The type and amount of coverage selected, such as liability, collision, and comprehensive, will affect the overall insurance cost for an Acura TLX. Higher coverage levels result in higher premiums.
While the Acura TLX is generally more expensive to insure than non-luxury vehicles, the exact cost can vary widely based on the individual driver's profile and coverage needs.
Strategies to Manage Acura TLX Insurance Costs
To help keep Acura TLX insurance costs in check, drivers can consider the following strategies:
- Shop Around: Compare quotes from multiple insurance providers to find the best rates for the Acura TLX. Rates can vary significantly between insurers.li>
- Maintain a Clean Driving Record: Avoiding accidents and traffic violations can help keep insurance premiums low for the Acura TLX.
- Consider Higher Deductibles: Opting for higher deductibles can lower the monthly insurance costs, but it also means paying more out-of-pocket in the event of a claim.
- Take Advantage of Discounts: Many insurers offer discounts for features like anti-theft systems, safety features, and driver education courses, which can help offset the higher insurance costs for the Acura TLX.
By understanding the factors that influence Acura TLX insurance costs and implementing strategies to manage them, drivers can find ways to keep their insurance expenses in check.
What are the negatives of the Acura TLX?
2025 Acura TLX Review
- Infotainment touchpad controller is distracting to use.
- Rear seats can feel cramped.
- Not as quick or fuel-efficient as many rivals.
Is insurance higher on an Acura?
Acuras are generally considered more expensive to insure than average, but not as expensive as other luxury brands. The cost is driven up because, as luxury vehicles, they are more expensive to repair and replace. However, Acuras are often priced competitively within the luxury segment, so insurance costs may not be drastically higher than the national average depending on the model and your individual profile.
Factors affecting Acura insurance costs
- Luxury status: Higher repair and replacement costs for luxury vehicles lead to higher insurance premiums.
- Model and year: Insurance costs vary significantly by model and year. Newer and more expensive models will cost more to insure than older ones.
- Individual factors: Your personal driving history, age, gender, location, and credit history also significantly impact your rates.
- Coverage levels: The type of coverage you choose (e.g., minimum vs. full coverage) will directly affect the price.
How to get the best rate
- Compare quotes: Get quotes from multiple insurance providers to find the best rate. What one company offers can be very different from another.
- Consider all factors: Remember that your personal details play a huge role, so you'll need to get a personalized quote for an accurate price.
- Look for discounts: Inquire about potential discounts, such as for multi-vehicle policies, which can lead to significant savings.
Are Acura TLX expensive to maintain?
The average annual repair cost for a Acura is $501, which means it has above average ownership costs. The other factors that contribute to Acura reliability include an average of 0.4 visits to a repair shop per year and a 8% probability of a repair being severe.
How much is insurance on an Acura TLX?
The average insurance cost for an Acura TLX is around $1,098 for a 6-month full coverage policy. Costs vary significantly based on the model year, with newer models being more expensive to insure, and factors like your location, age, and driving history. For example, the 2025 model averages $3,021 annually, while the 2024 model averages $2,867, and the 2018 model is significantly cheaper at $861 annually.
Factors influencing the cost
- Model year: Newer models are more expensive to insure, with the 2025 TLX having the highest average premium and the 2018 model having one of the lowest.
- Trim level: Higher-end trims like the Type S can cost more to insure than lower trims.
- Driver demographics: Factors like age, driving history, and location play a huge role in determining your specific rate.
- Coverage type: Liability-only insurance is cheaper than full coverage, which includes comprehensive and collision.
How to get a more accurate estimate
- Shop around: Compare quotes from multiple insurance companies, as prices can vary significantly between providers.
- Use online tools: Many websites offer free tools to compare quotes based on your specific information.
- Provide accurate information: Enter your correct zip code, driver profile, and vehicle details for a more accurate personalized quote.
