Cheap Acura RLX Car Insurance in 2024 (Big Savings With These 10 Companies!)
Cheap Acura RLX car insurance can be found with Erie, American National, and USAA, the top three cheapest providers, offering rates starting at $22 per month. These companies provide extensive coverage options, and exceptional customer service, making them an excellent choice for insuring your Acura RLX.
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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Oct 22, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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1,814 reviewsCompany Facts
Min. Coverage for Acura RLX
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Min. Coverage for Acura RLX
A.M. Best Rating
Complaint Level
Pros & Cons
187 reviews
6,435 reviewsCompany Facts
Min. Coverage for Acura RLX
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
The top picks for cheap Acura RLX car insurance are Erie, American National, and USAA, offering comprehensive coverage and competitive rates.
These companies provide exceptional options for military families, including exclusive discounts and tailored coverage plans designed to meet their unique needs.
Our Top 10 Company Picks: Cheap Acura RLX Car Insurance
| Company | Rank | Monthly Rates | Good Driver Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $22 | 25% | Reliable Service | Erie |
 | #2 | $27 | 20% | Low Rates | American National |
 | #3 | $30 | 15% | Military Families | USAA |
 | #4 | $31 | 10% | Policy Bundling | Auto-Owners |
 | #5 | $35 | 15% | Online Services | Geico |
 | #6 | $39 | 20% | Customer Service | State Farm |
 | #7 | $43 | 10% | Customizable Plans | Progressive |
 | #8 | $50 | 15% | Policy Discounts | NJM |
 | #9 | $55 | 15% | Full Coverage | Travelers |
 | #10 | $65 | 10% | Comprehensive Coverage | Nationwide |
Explore these providers to find the best insurance for your Acura RLX, benefiting from competitive rates and extensive coverage options to maximize your savings.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool above to see affordable car insurance quotes.
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#1 – Erie: Top Overall Pick
Pros
- Affordable Rates: Erie offers competitive pricing, making it one of the more budget-friendly options available.
- Customer Service: Erie insurance review & ratings highlight Erie’s reputation for exceptional customer service, consistently earning high marks in customer satisfaction surveys.
- Comprehensive Coverage Options: Erie provides a wide range of coverage options and add-ons to tailor policies to individual needs.
Cons
- Limited Availability: Erie’s coverage is only available in 12 states and the District of Columbia, limiting accessibility for many potential customers.
- Slow Claims Process: Some customers report a slower claims process compared to other insurers.
#2 – American National: Best for Low Rates
Pros
- Flexible Payment Options: American National offers flexible payment plans, allowing customers to choose the most convenient schedule for their needs.
- Discounts and Bundling: American National insurance review & ratings highlights that they offer numerous discounts, particularly when you bundle multiple policies such as home and auto insurance.
- Personalized Service: Known for personalized service, American National agents work closely with clients to customize their coverage.
Cons
- Customer Service: While not universally negative, there have been mixed reviews about the customer service experience, indicating variability in the quality of support received.
- Limited Online Tools: Their online services and digital tools are less developed compared to other major insurers, potentially complicating policy management.
#3 – USAA: Best for Military Families
Pros
- Exceptional Customer Service: USAA consistently ranks at the top for customer satisfaction, providing excellent service to its members.
- Exclusive Military Focus: USAA specializes in serving military members and their families, offering tailored benefits and support.
- Wide Range of Discounts: USAA insurance review & ratings highlight that they provide several discounts, such as those for safe drivers, multiple policies, and vehicle storage.
Cons
- Eligibility Restrictions: USAA is only available to military members, veterans, and their families, limiting access to the general public.
- Limited Physical Locations: USAA has fewer physical branches, which may be inconvenient for customers preferring in-person service.
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#4 – Auto-Owners: Best for Policy Bundling
Pros
- Affordable Premiums: Auto-Owners insurance review & ratings highlight that Auto-Owners provides some of the most competitive rates available, making it a great choice for budget-conscious drivers.
- Comprehensive Coverage Options: Auto-Owners provides a wide range of coverage options, allowing customers to customize their policies to fit their specific needs.
- Strong Customer Service: Known for its excellent customer service, Auto-Owners has a reputation for handling claims efficiently and providing personalized support.
Cons
- Limited Online Tools: Auto-Owners’ online presence and digital tools are less advanced compared to larger insurers, which may be inconvenient for tech-savvy customers.
- Availability: Auto-Owners is not available in all states, potentially limiting access for some customers.
#5 – Geico: Best for Online Services
Pros
- Competitive Rates: Geico offers competitive pricing, which is attractive for drivers looking for affordable insurance options.
- Extensive Online Services: Geico excels in its online and mobile app services, allowing customers to easily manage their policies, file claims, and access support.
- Wide Availability: Geico is available in all 50 states, ensuring that almost any driver in the U.S. can access their services.
Cons
- Mixed Customer Service Reviews: While many customers have positive experiences, some report difficulties in dealing with customer service, particularly with claims processing.
- Discount Complexity: Geico offers many discounts, but qualifying for them can be complex and may require extra effort. To gain further insights, consult our comprehensive guide titled “Do Geico Employees get Car insurance discounts?“
#6 – State Farm: Best for Customer Service
Pros
- Robust Local Agent Network: With a strong network of local agents, State Farm provides personalized service and support, making it easier for customers to get assistance and advice.
- Comprehensive Coverage: State Farm offers a wide range of insurance products and coverage options, allowing customers to bundle policies and potentially save on premiums.
- Financial Strength: State Farm insurance review & ratings highlight the company’s strong financial rating, demonstrating its stability and reliability in settling claims.
Cons
- Higher Premiums: State Farm’s premiums are higher compared to Auto-Owners and Geico, which might not be ideal for budget-conscious drivers.
- Inconsistent Customer Service: Customer service experiences can vary significantly depending on the local agent, leading to potential inconsistency in service quality.
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#7 – Progressive: Best for Customizable Plans
Pros
- Competitive Pricing: With a monthly premium of $43, Progressive offers one of the most affordable rates among major insurers.
- Snapshot Program: Progressive insurance review & ratings highlight a usage-based program that offers potential discounts based on your driving behavior.
- Extensive Coverage Options: Wide range of policy options including liability, collision, comprehensive, and specialty coverages.
Cons
- Mixed Customer Service Reviews: Some customers report dissatisfaction with claim handling and customer service experiences.
- Online-Only Discount Programs: Some discounts and programs are available only to online customers, limiting access for others.
#8 – NJM: Best for Policy Discounts
Pros
- Affordable Premiums: NJM offers competitive rates, with premiums starting at $50, making it an attractive option for budget-conscious drivers.
- High Customer Satisfaction: NJM insurance car insurance discounts contribute to the company’s high rankings in customer satisfaction surveys, showcasing their strong reputation for service and reliability.
- Comprehensive Coverage Options: Offers a wide range of coverage options including liability, collision, and comprehensive insurance, tailored to meet various needs.
Cons
- Limited Availability: NJM is only available in a few states, restricting access to their services for many potential customers.
- Online Services: Lacks robust online account management features, which can be inconvenient for tech-savvy users who prefer managing their policies digitally.
#9 – Travelers: Best for Full Coverage
Pros
- Broad Coverage Options: Travelers provides a wide array of coverage options, including specialized policies for different types of drivers and vehicles.
- Strong Financial Stability: With a robust financial backing, Travelers is known for its ability to pay claims reliably and promptly.
- Advanced Technology: Travelers insurance review & ratings highlights innovative technology and tools, including usage-based insurance programs and mobile apps for policy management and claims filing.
Cons
- Higher Premiums: At $55, Travelers’ premiums are higher than some competitors, which might not be ideal for budget-conscious customers.
- Discount Complexity: Discounts can be complicated to understand and qualify for, requiring careful navigation to maximize savings.
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#10 – Nationwide: Best for Comprehensive Coverage
Pros
- Extensive Coverage Options: Nationwide offers a comprehensive suite of coverage options, including specialty policies and add-ons tailored to individual needs.
- Financial Strength: Nationwide insurance review & ratings highlight the company’s robust financial stability, ensuring reliable claim payments and long-term dependability.
- Customer-Friendly Policies: Includes features like vanishing deductibles and accident forgiveness, which can help mitigate premium increases and reduce out-of-pocket expenses.
Cons
- Complex Discount Structure: Navigating and qualifying for discounts can be complex, requiring detailed understanding to take full advantage of potential savings.
- Mixed Customer Reviews: Some customers report inconsistent experiences with customer service and claims handling, leading to mixed reviews.
A Comprehensive Overview: Key Influencers on Acura RLX Insurance Costs
Acura RLX insurance rates depend on the vehicle’s model year, features, and the driver’s profile, including age, gender, marital status, and driving history. For additional details, explore our comprehensive resource titled “Car Driving Safety Guide for Teens and Parents.”
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Additionally, the location where you live and park your Acura RLX can also affect your car insurance rates. Insurance providers take into consideration the crime rate and the likelihood of theft or vandalism in your area. If you live in an area with a high crime rate, you may face higher insurance premiums compared to those living in safer neighborhoods.
Furthermore, your annual mileage can impact your car insurance rates for the Acura RLX. Insurance companies consider the amount of time you spend on the road and the distance you typically drive. If you have a long commute or frequently take long trips, you may be considered a higher risk and may face higher insurance costs.
Factors to Consider: The Cost of Insuring Your Acura RLX
Insurance premiums for the Acura RLX can vary significantly based on the selected coverage options. Liability coverage, which is mandatory in most states, protects you financially if you are found at fault in an accident that causes injuries or property damage to others. Comprehensive and collision coverage, while not required by law, provide added protection for your own vehicle in case of damage or theft.
Deductibles influence insurance costs; a higher deductible lowers premiums but increases out-of-pocket expenses during claims. It’s crucial to balance deductibles with your budget. Driver’s age and driving history also impact costs. Younger drivers or those with accidents or violations face higher premiums, while experienced drivers with clean records may get lower rates.
Location affects insurance costs too. Urban areas with higher accident or theft rates have higher premiums compared to rural areas. Consider your primary driving and parking location when estimating insurance costs for your Acura RLX. To learn more, explore our comprehensive resource titled “Anti Theft System Car Insurance Discount.”
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Understanding Acura RLX Insurance Rates: Factors and Averages Explained
The cost of car insurance for an Acura RLX varies based on factors like driver age, driving record, location, and coverage level. Younger drivers and those with a history of accidents may face higher premiums. To delve deeper, refer to our in-depth report titled “Best Safe Driver Car Insurance Discounts.”
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High crime rates or accident-prone areas can also increase rates. Comparing quotes from different insurers can help find the best rate. Consider these factors to make an informed decision and potentially save on premiums.
Key Considerations: Crafting Your Acura RLX Insurance Quote
When calculating Acura RLX insurance costs, consider additional factors such as location and annual mileage. Insurance rates vary by state and region, influenced by cost of living, crime rates, and accident frequency. High mileage drivers generally face higher rates due to increased risk, while low mileage drivers may qualify for discounts.
Car Insurance for Acura RLX: Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
American National $27 $153
Auto-Owners $31 $185
Erie $22 $161
Geico $35 $188
Nationwide $65 $217
NJM $50 $204
Progressive $43 $190
State Farm $39 $144
Travelers $55 $201
USAA $30 $163
This guide provides a comprehensive comparison of monthly car insurance rates for the Acura RLX, highlighting costs by coverage level and insurance provider. The table includes rates for minimum and full coverage from top companies such as American National, Auto-Owners, Erie, Geico, Nationwide, NJM, Progressive, State Farm, Travelers, and USAA.
For instance, minimum coverage rates range from $22 with Erie to $65 with Nationwide, while full coverage rates range from $144 with State Farm to $217 with Nationwide. For a thorough understanding, refer to our detailed analysis titled “Full Coverage Car Insurance: A Complete Guide.”
Top Tips to Save: Affordable Car Insurance Strategies for Your Acura RLX
Securing affordable car insurance for your Acura RLX requires careful planning and thorough research. Here are a few tips to help you find the best rates:
- Shop Around: Obtain quotes from multiple insurance providers to compare prices and coverage options. Different insurers have different rating systems, so it’s essential to explore your options before making a decision.
- Bundle Insurance Policies: Consider bundling your Acura RLX insurance with other insurance policies, such as homeowners or renters insurance, to potentially receive multi-policy discounts.
- Take Advantage of Discounts: Check with your insurance provider for any available discounts. Common discounts include safe driver discounts, anti-theft device discounts, and good student discounts if you have a young driver on your policy.
- Improve Your Credit Score: Maintaining a good credit score can positively impact your insurance rates. Insurance companies often consider credit history when determining premiums.
- Consider Increasing Deductibles: If you have the financial means to handle higher out-of-pocket expenses, opting for a higher deductible can lower your insurance premiums.
By taking the time to compare quotes from multiple insurers, considering potential discounts, and evaluating your coverage needs, you can find a policy that offers the protection you need at a price you can afford.
Additionally, maintaining a good credit score and considering options like higher deductibles can further help in reducing your overall insurance costs.
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Tailoring Acura RLX Insurance: Balancing Coverage and Cost
When evaluating coverage options for your Acura RLX, it’s vital to consider your specific needs and preferences. Liability coverage is typically required, and it protects you financially in case of an at-fault accident.
Additional coverage options, such as comprehensive and collision coverage, provide a higher level of protection for your vehicle. However, these additional options may increase premiums, and you should carefully weigh the potential benefits against the added cost.
Maximize Savings: Essential Tips for Reducing Acura RLX Car Insurance Costs
Explore essential tips to minimize your Acura RLX car insurance expenses. By maintaining a clean driving record, you can avoid increased premiums due to accidents and traffic violations. Lastly, here are a few additional tips to help minimize your Acura RLX car insurance expenses:
- Drive Safely: Maintaining a clean driving record will help you avoid accidents and traffic violations, reducing the likelihood of increased insurance premiums.
- Consider Usage-Based Insurance: Usage-based insurance programs monitor your driving behavior and offer personalized rates based on your actual driving habits. Safer driving habits can result in lower premiums.
- Review Your Policy Annually: It’s crucial to review your car insurance policy annually and assess your coverage needs. Changes in your driving habits, vehicle value, or personal circumstances might necessitate adjustments to your coverage.
- Regularly Update Your Insurance Provider: Inform your insurance provider about changes that may qualify you for additional discounts, such as advanced safety features or completing defensive driving courses.
Consider usage-based insurance programs that offer personalized rates based on your actual driving habits, rewarding safer driving with lower premiums.
Additionally, regularly update your insurance provider about any changes, such as advanced safety features or completed defensive driving courses, to qualify for additional discounts and optimize your coverage. To gain profound insights, consult our extensive guide titled “Defensive Driving Courses Can Lower Your Car Insurance Rates.”
Navigating Deductibles: A Key Factor in Acura RLX Insurance Costs
When selecting car insurance coverage, you will have to consider the role of deductibles. A deductible is the amount you pay out of pocket before your insurance coverage kicks in. Higher deductibles typically result in lower insurance premiums, but they also mean greater financial responsibility in case of a claim.
Lower deductibles, on the other hand, may lead to higher premiums but reduce the initial financial burden. Assessing your financial situation and risk tolerance will help you determine an appropriate deductible for your Acura RLX insurance. To expand your knowledge, refer to our comprehensive handbook titled “How does the insurance company determine my premium?”
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Case Studies: Real-Life Success Stories in Affordable Acura RLX Insurance
Finding affordable car insurance for luxury vehicles like the Acura RLX can be challenging, but it’s possible with the right approach.
- Case Study #1 – Affordable Luxury Car Insurance: Emily, a single professional with a spotless driving record, needed affordable insurance for her Acura RLX. Erie Insurance offered her a comprehensive policy at $24 per month, covering liability, collision, and theft. She also qualified for a safe driver discount, further lowering her premiums.
- Case Study #2 – Military Family Finds Savings on Acura RLX Insurance: John and Lisa, a military family with two children, needed affordable insurance for frequent relocations. USAA provided comprehensive coverage and military discounts for $28 per month, including roadside assistance and flexible payments, ensuring they had the support and flexibility needed.
- Case Study #3 – Budget-Friendly Insurance for Young Professionals: Alex, a young professional in a high-cost city, secured a $22/month comprehensive insurance policy from American National. This plan included liability, collision, and discounts for his clean record and anti-theft devices, providing robust coverage and allowing him to manage other expenses effectively.
By selecting the right insurance provider and taking advantage of available discounts and tailored plans, you can secure the protection you need without compromising your budget.
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Use these real-life examples as a guide to navigate your own insurance options and achieve similar success in finding cost-effective coverage for your vehicle. For a comprehensive overview, explore our detailed resource titled “Types of Car Insurance Coverage.”
The Bottom Line: Affordable Car Insurance Options for Your Acura RLX
To find affordable car insurance for your Acura RLX, compare quotes from top providers like Erie, American National, and USAA, considering factors like vehicle model year, driver profile, location, and annual mileage. To enhance your understanding, explore our comprehensive resource titled “Mileage-Based Car Insurance: A Complete Guide.”
Utilizing available discounts, maintaining a good driving record, and evaluating your coverage needs can further reduce premiums. By following these strategies, you can secure the best insurance rates and ensure your Acura RLX is well-protected.
Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code below into our free comparison tool to see rates in your area.
Frequently Asked Questions
Is Acura RLX worth the money?
There aren’t many reasons to choose the RLX over similarly priced luxury alternatives, but its powerful hybrid system is certainly one. Although the Sport Hybrid model costs an extra $7000, it makes the Acura one of the quickest and most fuel-efficient sedans in the segment.
What brands have the cheapest insurance?
Top 10 cheapest car insurance companies State Farm is the cheapest national car insurance company, at $50 per month for liability-only coverage. American Family and Geico also have affordable quotes, averaging $61 per month. USAA has the cheapest rates overall, charging $34 per month.
Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.
Is the Acura RLX or TLX better?
The TLX is classified as a performance luxury sedan, while the RLX is considered a premium luxury sedan. The TLX runs on either a 2.4L inline-four engine that makes 206 hp or a V6 that generates 290 hp, while the RLX is powered by either a V6 that churns out 310 hp or a sport hybrid system rated at 377 hp.
For detailed information, refer to our comprehensive report titled “Is it cheaper to insure a Honda Civic sedan than a coupe?“
Who normally has the cheapest car insurance?
State Farm offers the cheapest car insurance for minimum coverage, followed by Geico and Travelers.
What is the cheapest cover for insurance?
Third party cover is the minimum level required by law and normally the cheapest cover available. It only covers you for damaging someone else’s car (or property) or injuring another person (a ‘third party’) in an accident. It won’t cover any injuries to you or damage to your car.
Is the Acura RLX 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.
To gain in-depth knowledge, consult our comprehensive resource titled “Car Owners Car Insurance Discounts.”
Are acuras expensive to maintain?
Despite being luxury vehicles, Acuras tend to have lower annual maintenance costs than other luxury brands like Audi, which average about $987 per year according to RepairPal.
Is Acura really luxury?
Acura is a luxury automotive brand! Acura models offer high quality, sophisticated builds, top-of-the-line technology, premium safety features, and much more. Explore our new and certified pre-owned models to see which of these luxurious vehicles fit your driving needs.
Why is Acura so popular?
Acura has been known for producing high-quality, reliable cars since the 1980s. Honda has a reputation for producing some of the most reliable vehicles on the market, and this commitment to quality carries over to its Acura brand.
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At what age is car insurance cheapest?
Car insurance is the cheapest for drivers between the ages of 35 and 55. Car insurance is very expensive for teens because they have a high risk of accidents, and then it decreases sharply as drivers age into their 20s and develop more reliable driving habits.
Get the right car insurance at the best price — enter your ZIP code below to shop for coverage from the top insurers.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
