How much is auto insurance for an Acura TL?
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UPDATED: Aug 14, 2019
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With entrants like the BMW 3 Series and the Mercedes C Class, competition in the upscale midsize sedan category is intense. The 2012 Acura TL will satisfy many car shoppers, but it’s still ranked low of the 21 vehicles in this class.
It gets high marks for combining impressive performance with a smooth, comfortable ride, but some members of the auto press are unenthusiastic about its unusual exterior design.
In terms of performance, the base model Acura TL actually outdoes the base model 3 Series and C Class with its 3.5 liter V6. Although this engine generates 280 horsepower, it can’t compete with the higher-end performance trims of the Mercedes and BMW entrants in this category.
How much is auto insurance for the Acura TL?
Edmunds reports that the total auto insurance bill for the Acura TL for five years comes to about $10,962 for most drivers. For owners who pay monthly, that’s about $182 or approximately $2,192 a year.
That’s actually quite a high premium compared to the average owner-reported auto insurance rates for other upscale midsize sedans.
Edmunds explains that Volvo S60 drivers only report paying around $1,805 a year, which works out to a savings of $30 a month over the Acura TL’s auto insurance rates.
Expected annual rates for the Audi A5 will average $1,727, and you should expect to pay roughly $1,800 a year to insure either an Infiniti G or a Mercedes Benz C Class. Average annual auto insurance rates for the Cadillac CTS are about $2,000.
Repairs for the Acura TL
Since your 2012 TL will be covered by Acura’s limited warranty for four years or 50,000 miles, you probably won’t owe anything for repairs until the fourth year you own the car.
The typical Acura TL owner pays $391 for repairs during year four and $600 during year five, for a total repair bill of $991 for the first five years the vehicle is in service.
Though insuring the Acura TL is on the expensive side, repairing it is affordable in comparison to other upscale sedans. Edmunds projects that the Mercedes Benz C Class will cost owners $2,611 in repair bills over five years, which is almost three times the cost of repairing the 2012 TL.
Owners will pay about $2,333 over five years for the Audi A5’s repairs, and repair costs for both the Volvo S60 and the Cadillac CTS should be around $2,000.
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Acura TL Scheduled Maintenance
The reported 5-year scheduled maintenance cost for the Acura TL is $4,178. Servicing will cost most owners just $281 the first year they own their TLs, and $521 the second year.
You’ll pay about $447 for routine maintenance during the third year you own this upscale sedan, and $951 the fourth year. You should expect to pay about $1,978 for a tune-up sometime during year five.
Some upscale midsize sedans, like the BMW 3 Series, include free factory scheduled maintenance in their warranties. However, the 3 Series’ maintenance costs are still just below $4,000, making them only slightly lower than the TL’s.
You’ll also pay about $4,000 over five years to maintain the Cadillac CTS and the Volkswagen Eos.
The 5-year routine maintenance bills for both the Audi A5 and the Mercedes C Class far exceed the 2012 Acura TL’s, at $5,533 and $6,000, respectively. Volvo S60 drivers pay far less for maintenance than other upscale sedan drivers, with average 5-year bills totaling just $2,347.
Acura TL Safety Ratings
No tests have been conducted yet on the 2012 Acura TL, but the Insurance Institute for Highway Safety (IIHS) has conducted three tests. The TL earned the IIHS’ top “Good” crash test rating on frontal offset and side impact tests, and it also received a “Good” rating for its performance on rear impact testing. No rollover tests were conducted, though.
Since the 2011 TL was not subjected to all four of these tests, it does not qualify for “Top Safety Pick” status. However, several of its competitors earned this status, including these upscale midsize sedans:
- Audi A4
- Mercedes C Class
- Volvo S60
- Volkswagen CC
Acura TL Fuel Economy
The 2012 TL gets 20 city miles per gallon and 29 highway miles per gallon. This is the same gas mileage you can expect to get with an Infiniti G, and it’s about average for this class of car.
When you exclude the hybrids from consideration, the most fuel-efficient upscale midsized sedan is the Audi A4, which gets 22 miles to the gallon in city driving and 30 miles to a gallon on the highway.
Audi’s slightly larger A5 sedan also delivers strong fuel economy, getting 21 city miles per gallon and 31 highway miles per gallon.
If you make the switch to a hybrid, you could more than double your city fuel economy. The Lincoln MKZ Hybrid gets 41 city mpg. If you opt for a Chevrolet Volt, you can increase your highway fuel economy by over 30%, since the Volt gets 40 highway miles per gallon. It costs almost $5,000 more than the base model Acura TL, though.
Acura TL Warranty
In addition to its 4-year/50,000 mile limited warranty, which is comparable to the coverage offered by other luxury carmakers, Acura also includes a 6-year/70,000 mile powertrain warranty for the 2012 TL.
The car is guaranteed against rust for five years, and its seat belts are warranted for either 150,000 miles or 15 years, whichever comes first.