Acura TLX Insurance Cost

Full coverage for a Acura TLX costs about $2,025 a year ($169/month) by our estimate — ▲ +27% versus the average vehicle.

Acura TLX exterior (photo from Wikimedia Commons) — Photo: Mr.choppers, CC BY-SA 3.0

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 TLX insurance cost at a glance

Full coverage

$2,025

$169/mo · $1,660–$2,390

Minimum liability

$550

$46/mo

Segment

Luxury car

Gasoline

HLDI collision losses

131

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2015–2025 model years of the Acura TLX, which is no longer in production.

Estimated Acura TLX premium by coverage level (national average rates)
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.	$550	$46	$450–$650
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$800	$66	$655–$940
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,025	$169	$1,660–$2,390

What drives the cost of insuring a Acura TLX

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Acura TLX's results put our vehicle factor at 0.90× for liability, 1.32× for collision and 3.09× for comprehensive.

HLDI relative insurance losses — Acura TLX 4dr 4WD (Large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	131	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	341	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	87	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	85	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	116	Worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	108	Worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Acura TLX 4dr 4WD	131	341	87	85
Acura TLX 4dr	118	164	104	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 4 NHTSA recall campaigns and 27 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Acura TLX trims and configurations (2025)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
TLX AWD A-SPEC	AWD	2.0L 4-cyl Turbo	24
TLX FWD	FWD	2.0L 4-cyl Turbo	25
TLX Type-S	AWD	3.0L 6-cyl Turbo	21

Acura TLX insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2025	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–25	$2,025
2024	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–25	$1,965
2023	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–25	$1,905
2022	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–25	$1,845
2021	2.0L 4-cyl Turbo, 3.0L 6-cyl Turbo	AWD, FWD	21–25	$1,780
2020	2.4L 4-cyl, 3.5L 6-cyl	AWD, FWD	23–27	$1,720
2019	2.4L 4-cyl, 3.5L 6-cyl	AWD, FWD	23–27	$1,660
2018	2.4L 4-cyl, 3.5L 6-cyl	AWD, FWD	23–27	$1,600
2017	2.4L 4-cyl, 3.5L 6-cyl	AWD, FWD	25–28	$1,540
2016	2.4L 4-cyl, 3.5L 6-cyl	AWD, FWD	25–28	$1,480
2015	2.4L 4-cyl, 3.5L 6-cyl	AWD, FWD	25–28	$1,470

Acura TLX insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the TLX page for that state.

State	Full coverage	Minimum	vs. national	TLX page
Alabama	$1,845	$430	−9%	TLX in AL
Alaska	$1,735	$560	−14%	TLX in AK
Arizona	$2,155	$590	+6%	TLX in AZ
Arkansas	$1,965	$400	−3%	TLX in AR
California	$1,870	$515	−8%	TLX in CA
Colorado	$2,615	$585	+29%	TLX in CO
Connecticut	$1,995	$640	−1%	TLX in CT
Delaware	$2,070	$720	+2%	TLX in DE
District of Columbia	$2,505	$665	+24%	TLX in DC
Florida	$2,615	$965	+29%	TLX in FL
Georgia	$2,340	$780	+16%	TLX in GA
Hawaii	$1,335	$390	−34%	TLX in HI
Idaho	$1,405	$360	−31%	TLX in ID
Illinois	$1,790	$445	−12%	TLX in IL
Indiana	$1,485	$360	−27%	TLX in IN
Iowa	$1,670	$275	−18%	TLX in IA
Kansas	$1,925	$360	−5%	TLX in KS
Kentucky	$1,730	$475	−15%	TLX in KY
Louisiana	$2,815	$710	+39%	TLX in LA
Maine	$1,330	$380	−34%	TLX in ME
Maryland	$2,175	$675	+7%	TLX in MD
Massachusetts	$1,910	$530	−6%	TLX in MA
Michigan	$2,180	$685	+8%	TLX in MI
Minnesota	$1,920	$420	−5%	TLX in MN
Mississippi	$2,105	$475	+4%	TLX in MS
Missouri	$2,010	$460	−1%	TLX in MO
Montana	$1,955	$350	−3%	TLX in MT
Nebraska	$1,920	$360	−5%	TLX in NE
Nevada	$2,020	$775	0%	TLX in NV
New Hampshire	$1,440	$360	−29%	TLX in NH
New Jersey	$2,185	$840	+8%	TLX in NJ
New Mexico	$1,905	$465	−6%	TLX in NM
New York	$2,530	$835	+25%	TLX in NY
North Carolina	$1,600	$400	−21%	TLX in NC
North Dakota	$1,615	$250	−20%	TLX in ND
Ohio	$1,495	$360	−26%	TLX in OH
Oklahoma	$2,070	$425	+2%	TLX in OK
Oregon	$1,700	$560	−16%	TLX in OR
Pennsylvania	$1,850	$380	−9%	TLX in PA
Rhode Island	$2,235	$735	+10%	TLX in RI
South Carolina	$2,120	$655	+5%	TLX in SC
South Dakota	$2,105	$280	+4%	TLX in SD
Tennessee	$1,760	$405	−13%	TLX in TN
Texas	$2,625	$620	+30%	TLX in TX
Utah	$1,715	$585	−15%	TLX in UT
Vermont	$1,415	$285	−30%	TLX in VT
Virginia	$1,745	$560	−14%	TLX in VA
Washington	$1,650	$530	−19%	TLX in WA
West Virginia	$1,900	$390	−6%	TLX in WV
Wisconsin	$1,535	$335	−24%	TLX in WI
Wyoming	$2,100	$290	+4%	TLX in WY

Acura TLX insurance by driver profile

Estimated annual Acura TLX premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,515	$2,195	$5,570	$464
Young adult (22)	$880	$1,275	$3,240	$270
Adult in their 30s	$550	$800	$2,025	$169
Adult in their 50s	$505	$735	$1,865	$155
Senior (72)	$615	$895	$2,270	$189
30s, one at-fault accident	$800	$1,155	$2,935	$245
30s, DUI on record	$1,020	$1,475	$3,745	$312

Acura TLX vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Acura TLX	$2,025	131	341	—
Infiniti Q50	$2,135	167	277	Compare
Mercedes-Benz S-Class	$3,045	271	418	Compare
Audi RS 7	$2,445	243	270	Compare

Estimate Acura TLX insurance for your 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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Other Acura models

ADX $1,735/yr
Integra $1,640/yr
MDX $1,270/yr
RDX $1,230/yr
ZDX $1,735/yr
ILX $1,580/yr
NSX $1,920/yr
RLX $1,495/yr
TL $1,345/yr
TSX $1,345/yr
RL $1,345/yr
RSX $1,345/yr

All Acura insurance costs →

Frequently asked questions

How much is insurance for a Acura TLX?

We estimate about $2,025 a year ($169 a month) for full coverage and $550 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 27% more than the average vehicle.

Is the Acura TLX expensive to insure?

HLDI insurance-loss data rates it at 131 for collision and 341 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Acura TLX?

Maine has the lowest estimate (about $1,330 a year for full coverage) and Louisiana the highest (about $2,815).

What is the Acura TLX's NHTSA safety rating?

The 2025 Acura TLX earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Acura TLX cheaper to insure than the Infiniti Q50?

By our estimate the Acura TLX costs about $2,025 a year versus $2,320 for the Infiniti Q50, making it the cheaper of the two to insure.

How much is Acura TLX insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,570 a year at national-average rates by our estimate.

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