Acura TLX Insurance Rates

The Acura TLX is a mid-range car with an average insurance rating. An Acura TLX’s average insurance cost is $152 per month or $1,824 per year. The yearly insurance cost–to–base automobile price ratio is 5.7 percent with a base price of $32,000, which is slightly higher than the national average of 4 percent. To receive a quote, sort automobile insurance firms by state.

How to compare insurance for the Acura TLX

Acura TLX Insurance Cost & Rates - Acura Logo

If you don’t know what to look for, comparing vehicle insurance might be difficult. Policies and providers might be quite similar, making comparing your alternatives difficult. However, there are a few factors to consider before making your choice:

  • Price. Begin by determining how much coverage you require and whatever extras or features you desire. Use this information to obtain quotations from suppliers and then evaluate your alternatives based on pricing.
  • Deductible. A large deductible might result in cheaper rates, but you will pay more upfront in the case of a claim. Similarly, a smaller deductible means you’ll pay less in the beginning, but your monthly premiums will most certainly be higher.
  • Minimum coverage. Depending on your state, you must have a certain quantity of coverage. While pricing and added features are crucial, it is critical that you fulfill your state’s minimum requirements.
  • Additional coverage. Personal injury protection and uninsured motorist coverage are optional extras offered by certain carriers. If these services are essential to you, look for a supplier who provides them..
  • Extras. Tire and rim insurance, no-deductible glass replacement, and roadside assistance are just a handful of the many extras available from certain companies. When evaluating your alternatives, look for a supplier who provides the things you require.
  • Restrictions. Your coverage may be limited depending on your insurance and provider. Make sure you are aware of them in order to prevent having your claims refused or having your compensation decreased.
  • Manufacturer offer or loyalty discount. Check with Acura to see if it has any special deals or discounts from certain sources.
  • Warranty. What your manufacturer’s warranty covers may surprise you. It’s pointless to pay for additional insurance if your manufacturer already provides comparable coverage. To avoid any overlap, check with Acura and your provider.

What factors affect car insurance rates for Acura TLX?

While your driving history, location, and other criteria are essential, the type of car you drive has a major influence on the amount you pay for insurance. Here’s how the Acura TLX stacks up.

  • Body type. Four-door sedans, such as the Acura TLX, are less expensive to insure than SUVs and sports cars.
  • Type of car. Acura primarily produces high-end vehicles, and the TLX is no exception. While luxury sedans are less risky to insure than sports cars, for example, they may be more expensive to maintain, which may impact your premiums.
  • Theft. Sedans are among the most often stolen vehicle types. Higher rates may arise from the increased risk of theft.
  • Repairs. While TLX replacement parts and service centers are typically easy to obtain, fixing the body of a luxury car may be costly. This might be taken into account when calculating your premiums.
  • Safety ratings. The TLX, like many other Acura vehicles, is quite safe. These ratings and safety features can minimize the severity of an accident, perhaps resulting in cheaper insurance premiums.

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

When calculating your premiums, auto insurance companies take into account a variety of vehicle-related criteria. This covers engine power, safety features, theft danger, and other factors. As a result, the packages and extras you select might affect the cost of your vehicle insurance. The following are some of the Acura TLX packages and extras.

Packages

  • Tech. This package includes a navigation system, a blind spot information system, a cross-traffic monitor system, and other features. These gadgets can make driving safer, perhaps lowering your insurance costs.
  • Elite. The surround vision camera system and LED fog lights included in this package can improve visibility, lowering the likelihood of accidents and, as a result, your insurance costs.
  • SH-AWD. While this all-wheel drive option may enhance handling, the significant increase in horsepower may result in higher rates.
  • A-SPEC. While this package contains a few sport features, the LED fog lights and improved suspension may help you achieve better vehicle insurance rates.

Accessories

  • Wheels made of aluminum. Because alloy wheels enhance the worth of your vehicle and may make it a target for theft, they may boost the cost of your car insurance.
  • LED Fog lights. In poor visibility circumstances, fog lights can increase vision and reduce the probability of an accident. As a result, they may lower your vehicle insurance prices.
  • Wheel locks. Wheel locks are quite effective in preventing theft. If you have them installed, many providers will give you a discount.
  • Parking sensors. Parking sensors can help you avoid crashes, which can save you money on vehicle insurance.
  • Rear back up sensors. Rear back-up sensors, like parking sensors, can minimize the likelihood of an accident, possibly saving money on vehicle insurance.

Acura TLX money-saving safety features

If your Acura TLX has these safety features, you may be able to save money on car insurance.

  • 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?

Depending on whatever carrier you pick, your vehicle may be eligible for certain auto insurance savings. The actual reductions you receive, however, may vary based on your region, provider, selections, and other variables. Here are several that should be applicable 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?

The Acura TLX receives a flawless 5/5 dependability rating from RepairPal, ranking it second out of 31 premium midsize cars. According to the website, the average repair cost is $428, which is more than $300 less than the $762 average for premium midsize automobiles.

U.S. News and J.D. Power ratings are a little lower, with most years receiving 3.5 out of 5 stars, which is a touch higher than most vehicles in its class.

According to J.D. Power, which keeps a record of recalls backed up by industry updates, about 10,000 2015 Acura TLXs have been recalled:

  • 2015 : Approximately 10,000 cars were recalled due to damaged, contaminated, or loosened parking rods, which prevented the gearbox from moving into park.

So far, there have been practically no recorded concerns about the Acura TLX models from 2016, 2017, and 2018. The 2015 model is by far the most troublesome, with many owners claiming gearbox problems even after vehicles were recalled for parking difficulties.

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How safe is the Acura TLX?

The 2017 Acura TLX has near-perfect safety ratings in nearly every category, earning a total score of 9.7/10 from U.S. News. The Insurance Institute for Highway Safety offers excellent scores in every category except child seat anchors, which fall short due to their difficulty in use.

Acura TLX maintenance

Maintenance on a regular basis will help you extend the life of your car. Here’s what you can anticipate from the Acura TLX in terms of oil changes, mpg, and other factors.

  • Oil changes should be done every 5,000 miles or four months.
  • An oil change for an Acura TLX should cost around $80 if performed by a technician or $100 if performed by an Acura dealership.
  • The 2018 Acura TLX 2.4L FWD gets 27 miles per gallon on average, with 23 in the city and 33 on the interstate.
  • The 2018 Acura TLX 3.5L FWD gets 24 miles per gallon on average, with 20 in the city and 32 on the interstate.
  • 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 advises that customers repair their vehicles at an authorized Acura dealer, but your warranty will still be valid if you choose to have it serviced elsewhere.
  • Acura’s standard four-year/50,000-mile basic warranty and six-year/70,000-mile powertrain warranty are included with the 2018 Acura TLX. Acura, on the other hand, provides a variety of extended warranty choices.

Is an extended warranty worth it for the Acura TLX?

While the Acura TLX has excellent reliability ratings and low average maintenance costs, it never hurts to think about an extended warranty. You may want to consider extending your coverage when the standard four-year/50,000-mile basic warranty and six-year/70,000-mile powertrain warranty expires.

About the Acura TLX

The Acura TLX has been on the market since 2014. The 2017 model has one of the most affordable starting costs for a premium midsize vehicle. The National Highway Traffic Safety Administration gave the Acura TLX a five-star overall safety rating.

The cost of insurance for an Acura TLX is determined by insurance providers based on safety ratings, theft rates, replacement prices, and general damage susceptibility. Insurance costs vary depending on a driver’s past and region. Before you buy an Acura TLX, get insurance quotes from various providers to get the lowest possible cost. Check to see if you qualify for insurance reductions.

Acura TLX money-saving safety features

If your Acura TLX has these safety features, you may be able to save money on car insurance.

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

Compare Acura competitors

If you enjoy the TLX but want to know what else is available, look into other Acura models or check what other manufacturers have to offer.

Bottom line

Insuring a 2017 Acura TLX costs around $500 more than the national average, but this might vary based on your region, driving history, trim and package options, and other factors. However, it’s high safety ratings and wide range of optional safety features may qualify you for auto insurance discounts or lower premiums. As usual, evaluate your options to choose which provider and policy are best for you.

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