Acura TLX Car Insurance Rates

The Acura TLX is a mid-size automobile with a satisfactory insurance rating. The average cost of insurance for an Acura TLX is $152 per month, or $1,824 per year. With a base price of $32,000, the annual insurance cost–to–base car price ratio is 5.7 percent, somewhat higher than the national average of 4%. Sort vehicle insurance companies by state to obtain a quotation.

How to compare insurance for the Acura TLX

Acura TLX Car Insurance Review - Acura Logo

Comparing auto insurance might be challenging if you don’t know what to look for. Policies and providers may be fairly similar, making it difficult to compare your options. However, there are a few considerations to examine before making your selection:

  • Price. To begin, choose the amount of coverage you require and any optional coverage or features you wish. Utilize this information to solicit estimates from vendors and then price-compare your choices.
  • Deductible. While a higher deductible may yield lower premiums, you will pay more upfront in the event of a claim. Similarly, a lower deductible results in a lower initial payment, but much higher monthly rates.
  • Minimum coverage. Depending on your state, you may be required to carry a certain amount of coverage. While pricing and additional features are essential, you must also meet your state’s minimal standards.
  • Additional coverage. Personal injury protection and uninsured motorist coverage are optional add-ons that certain carriers provide. If these services are critical to you, seek a provider who offers them.
  • Extras. Tire and trim insurance, no-deductible glass repair, and roadside assistance are just a few of the numerous additional services offered by certain providers. When weighing your options, seek for a provider who specializes in the items you want.
  • Restrictions. Depending on your insurance and provider, your coverage may be limited. Make certain you are aware of these to avoid having your claims denied or your compensation reduced.
  • Manufacturer offer or loyalty discount. Consult Acura to determine whether it is offering any special deals or discounts from certain sources.
  • Warranty. What is covered under your manufacturer’s warranty may surprise you. Paying for additional insurance is useless if your manufacturer already provides equivalent coverage. Consult Acura and your provider to prevent any overlap.

What factors affect car insurance rates for Acura TLX?

While your driving history, location, and other factors are all important, the type of automobile you drive has a significant impact on the amount of insurance you pay. Here is how the Acura TLX compares.

  • Body type. Insurance costs for four-door sedans, such as the Acura TLX, are lower than for SUVs and sports vehicles.
  • Type of car. Acura is known for producing luxury automobiles, and the TLX is no different. While luxury sedans are less hazardous to insure than sports vehicles, for example, they may require more maintenance, affecting your costs.
  • Theft. Sedans are one of the most often stolen car categories. Increased rates might be a result of an increased risk of theft.
  • Repairs. While TLX replacement parts and service centers are generally readily available, repairing the body of a luxury vehicle may be expensive. This may be used in the calculation of your rates.
  • Safety ratings. As is the case with many other Acura vehicles, the TLX is exceptionally safe. These ratings and safety features may help to mitigate the severity of an accident, which may result in lower insurance premiums.

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

Auto insurance providers consider a range of vehicle-related factors when determining your premiums. This includes engine power, safety features, and the risk of theft, among other things. As a result, the packages and additional services you choose may impact the cost of your car insurance. The following is a list of available Acura TLX packages and options.


  • Tech. This package contains a navigation system, a blind spot information system, and a cross-traffic monitor. These devices can help make driving safer, while also potentially decreasing your insurance rates.
  • Elite. The surround vision camera system and LED fog lights included in this package can help you see better, reducing the chance of an accident and, as a result, your insurance rates.
  • SH-AWD. While all-wheel drive may improve handling, the substantial increase in horsepower may result in increased rates.
  • A-SPEC. While this package includes a few sport features, the LED fog lights and upgraded suspension may help you save money on auto insurance.


  • Wheels made of aluminum. Due to the fact that alloy wheels increase the value of your vehicle and may make it a target for theft, they may result in an increase in the cost of your car insurance.
  • LED Fog lights. Fog lights can improve visibility and lessen the likelihood of an accident in low-visibility situations. As a consequence, they may be able to reduce the cost of your auto insurance.
  • Wheel locks. Wheel locks are a very efficient way to deter theft. Many providers may give you a discount if you already have them installed.
  • Parking sensors. Parking sensors can assist you in avoiding collisions, which can result in cost savings on vehicle insurance.
  • Rear back up sensors. Rear backup sensors, like parking sensors, can help reduce the chance of an accident, which might result in a reduction in car insurance costs.

Acura TLX money-saving safety features

If your Acura TLX comes equipped with these safety features, you may be eligible for a discount 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 choose, your vehicle may qualify for certain auto insurance discounts. However, the actual discounts you receive may vary depending on your area, provider, preferences, and other factors. Several of these should apply 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?

RepairPal rates the Acura TLX a perfect 5/5 for reliability, placing it second among 31 premium midsize vehicles. The average repair cost, according to the website, is $428, which is more than $300 less than the $762 average for premium midsize vehicles.

The US News and J.D. Power ratings are slightly lower, with most years earning 3.5 out of 5 stars, which is slightly better than the average for its class.

According to J.D. Power, which maintains a database of recalls that is updated on a regular basis, about 10,000 2015 Acura TLXs have been recalled:

  • 2015 : Around 10,000 vehicles were recalled owing to broken, polluted, or loosened parking rods that made it impossible for the gearbox to enter park.

Almost no issues have been raised yet concerning the Acura TLX models from 2016, 2017, and 2018. The 2015 model is by far the most problematic, with several owners reporting gearbox issues following a recall for parking issues.

How safe is the Acura TLX?

The 2017 Acura TLX has near-perfect safety ratings in virtually every area, receiving a total rating of 9.7/10 from US News. The Insurance Institute for Highway Safety rates it highly in all categories except child seat anchors, which receive a failing grade owing to its complexity of use.

Acura TLX maintenance

Regular maintenance will help you extend the life of your vehicle. The Acura TLX’s oil changes, mpg, and other characteristics are shown below.

  • Every 5,000 miles or four months, oil changes should be performed.
  • For an Acura TLX, an oil change should cost about $80 if handled by a technician and $100 if completed by an Acura dealership.
  • The 2018 Acura TLX 2.4L FWD achieves an EPA-estimated 27 miles per gallon on the highway, 23 in the city, and 33 on the highway.
  • The 2018 Acura TLX 3.5L FWD achieves an EPA-estimated 24 miles per gallon on the highway, 20 in the city, and 32 on the highway.
  • The 2018 Acura TLX 3.5L AWD achieves an EPA-estimated 24 miles per gallon on the highway and 21 in the city.
  • While Acura recommends that customers maintain their cars at an authorized Acura dealer, your warranty will remain valid if you opt to service it elsewhere.
  • The 2018 Acura TLX comes standard with a four-year/50,000-mile basic warranty and a six-year/70,000-mile powertrain warranty. On the other side, Acura offers a range of extended warranty options.

Is an extended warranty worth it for the Acura TLX?

While the Acura TLX receives high marks for dependability and has low average maintenance expenses, it never hurts to get an extended warranty. When the standard four-year/50,000-mile basic warranty and six-year/70,000-mile powertrain warranty expire, you may want to consider extending your coverage.

About the Acura TLX

Since 2014, Acura has sold the TLX. The 2017 model is one of the most inexpensive premium midsize vehicles on the market. Acura TLX received a five-star overall safety rating from the National Highway Traffic Safety Administration.

Insurance carriers evaluate the cost of insurance for an Acura TLX based on safety ratings, theft rates, replacement costs, and general damage susceptibility. Insurance premiums vary according to a driver’s driving history and geography. Prior to purchasing an Acura TLX, obtain insurance quotes from many sources to ensure you pay the least amount feasible. Determine whether you qualify for insurance discounts.

Acura TLX money-saving safety features

If your Acura TLX comes equipped with these safety features, you may be eligible for a discount on car insurance.

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

Compare Acura competitors

If you love the TLX but are curious about other Acura models or what other manufacturers have to offer, do some research.

Bottom line

Insurance for a 2017 Acura TLX is around $500 more expensive than the national average, although this amount varies by area, driving history, trim and package selections, and other variables. However, due to the vehicle’s outstanding safety ratings and extensive list of available safety features, you may be eligible for auto insurance discounts or cheaper premiums. As is customary, weigh your alternatives to choose which provider and policy are the greatest fit for you.

Acura Car Insurance Rates