Acura RL Insurance Cost in Hawaii

Insuring a Acura RL in Hawaii costs about $915 a year ($76/month) for full coverage by our estimate — −32% versus the same car nationally — the 7th cheapest of 51 states for this model.

Acura RL (photo from Wikimedia Commons) — Photo: IFCAR, Public domain

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Acura RL insurance in Hawaii at a glance

Full coverage

$915

$750–$1,080

40/80/20 minimum

$425

$36/mo

Same car nationally

$1,345

full coverage

Avg. car in HI

$1,095

−16% for the RL

The Acura RL is 16% cheaper than the average vehicle to insure in Hawaii. Hawaii's own base rates are 31% lower than the national average, which carries through to every model.

Hawaii factors that affect RL premiums

Uninsured drivers: 9.6% of Hawaii drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your RL.
Theft: 282 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Hawaii's expected annual losses as very low for hail, very low for tornado, very low for hurricane, relatively moderate for inland (river) flooding, very low for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 0.96 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: No-fault, with required personal injury protection.

Car insurance rules and costs in Hawaii →

Acura RL insurance cost in Hawaii cities

City	Full coverage	Minimum	vs. state
Honolulu	$985	$460	+8%
East Honolulu	$1,015	$475	+11%
Hilo	$880	$410	−4%
Pearl City	$1,020	$475	+11%
Waipahu	$1,145	$535	+25%
Kailua	$1,045	$485	+14%
Kaneohe	$1,040	$485	+14%
Kahului	$935	$435	+2%

Acura RL insurance in Hawaii by driver

Estimated annual Acura RL premium in Hawaii
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,170	$1,510	$2,515	$210
Young adult (22)	$680	$880	$1,465	$122
Adult in their 30s	$425	$550	$915	$76
Adult in their 50s	$390	$505	$840	$70
Senior (72)	$475	$615	$1,025	$85
30s, one at-fault accident	$620	$795	$1,325	$110
30s, DUI on record	$790	$1,015	$1,690	$141

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$425	$36	$350–$505
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$550	$46	$450–$650
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$915	$76	$750–$1,080

Hawaii minimum: 40/80/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Hawaii

Model	Full coverage in HI	vs. RL
Jaguar XJ	$1,280	+40%
Infiniti G37	$1,280	+40%
Lincoln MKZ	$1,265	+38%
Lincoln MKS	$1,265	+38%

Estimate your RL premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Acura RL insurance cost in every state · All Acura models

Frequently asked questions

How much is Acura RL insurance in Hawaii?

About $915 a year ($76 a month) for full coverage and $425 for Hawaii's minimum liability, for a driver in their 30s with a clean record. That is 32% less than the national estimate for the same car.

Is the Acura RL cheaper to insure than the average car in Hawaii?

The average vehicle in Hawaii is about $1,095 a year for full coverage in our model, so the Acura RL is 16% cheaper than average.

Where in Hawaii is Acura RL insurance cheapest?

Among the largest Hawaii cities, Hilo has the lowest estimate (about $880) and Waipahu the highest (about $1,145).

What insurance do I need for a Acura RL in Hawaii?

Hawaii requires at least 40/80/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page