Acura ILX Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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The best way to find a quality Acura ILX insurance policy is by doing your homework. Nobody ever wants to find themselves wondering why their rates increased, so understanding how insurance rates are calculated for the Acura ILX will provide you with the right foundation you need.
This comprehensive guide will help you on your journey to securing the right Acura ILX insurance policy. You will learn about the size and class of the Acura ILX, how liability rates are determined, safety features of the Acura ILX, the MSRP of the Acura ILX, and general repair estimates.
Once you are ready to start comparing quotes for free, use our online tool to get free quotes from some of the industry’s top providers.
The average insurance rates for an Acura ILX are $1,174 a year for full coverage. Comprehensive costs approximately $220, collision insurance costs $322, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,528. Teen drivers cost the most to insure at up to $4,578 a year.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all ILX models.
Price Range Variability
For the normal driver, Acura ILX insurance rates range from as low as $522 for liability-only coverage to the much higher price of $2,528 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.
The examples above show why everyone should get quotes using their specific location and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows average Acura ILX insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $696
- Choosing higher $1,000 deductibles can save $124 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,174
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,410
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,528
- Policy cost for full coverage for a teen driver for full coverage can cost $4,578 each year
Car insurance rates for an Acura ILX also range considerably based on your risk profile, the trim level of your ILX, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Acura ILX insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or as much as $1,670 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,062 | -$112 | -9.5% |
Alaska | $900 | -$274 | -23.3% |
Arizona | $974 | -$200 | -17.0% |
Arkansas | $1,174 | -$0 | 0.0% |
California | $1,338 | $164 | 14.0% |
Colorado | $1,122 | -$52 | -4.4% |
Connecticut | $1,208 | $34 | 2.9% |
Delaware | $1,328 | $154 | 13.1% |
Florida | $1,468 | $294 | 25.0% |
Georgia | $1,082 | -$92 | -7.8% |
Hawaii | $844 | -$330 | -28.1% |
Idaho | $792 | -$382 | -32.5% |
Illinois | $874 | -$300 | -25.6% |
Indiana | $884 | -$290 | -24.7% |
Iowa | $792 | -$382 | -32.5% |
Kansas | $1,116 | -$58 | -4.9% |
Kentucky | $1,600 | $426 | 36.3% |
Louisiana | $1,736 | $562 | 47.9% |
Maine | $724 | -$450 | -38.3% |
Maryland | $966 | -$208 | -17.7% |
Massachusetts | $940 | -$234 | -19.9% |
Michigan | $2,038 | $864 | 73.6% |
Minnesota | $982 | -$192 | -16.4% |
Mississippi | $1,404 | $230 | 19.6% |
Missouri | $1,040 | -$134 | -11.4% |
Montana | $1,260 | $86 | 7.3% |
Nebraska | $924 | -$250 | -21.3% |
Nevada | $1,406 | $232 | 19.8% |
New Hampshire | $844 | -$330 | -28.1% |
New Jersey | $1,310 | $136 | 11.6% |
New Mexico | $1,040 | -$134 | -11.4% |
New York | $1,236 | $62 | 5.3% |
North Carolina | $676 | -$498 | -42.4% |
North Dakota | $962 | -$212 | -18.1% |
Ohio | $810 | -$364 | -31.0% |
Oklahoma | $1,204 | $30 | 2.6% |
Oregon | $1,074 | -$100 | -8.5% |
Pennsylvania | $1,120 | -$54 | -4.6% |
Rhode Island | $1,564 | $390 | 33.2% |
South Carolina | $1,062 | -$112 | -9.5% |
South Dakota | $990 | -$184 | -15.7% |
Tennessee | $1,028 | -$146 | -12.4% |
Texas | $1,414 | $240 | 20.4% |
Utah | $868 | -$306 | -26.1% |
Vermont | $804 | -$370 | -31.5% |
Virginia | $704 | -$470 | -40.0% |
Washington | $908 | -$266 | -22.7% |
West Virginia | $1,074 | -$100 | -8.5% |
Wisconsin | $814 | -$360 | -30.7% |
Wyoming | $1,046 | -$128 | -10.9% |
Choosing high deductibles can save as much as $360 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Acura ILX insurance for high-risk drivers ranges anywhere from 44% to 133% more than average. View High Risk Driver Rates
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2023 Acura ILX | $320 | $566 | $398 | $1,442 |
2022 Acura ILX | $308 | $552 | $416 | $1,434 |
2021 Acura ILX | $298 | $530 | $430 | $1,416 |
2020 Acura ILX | $282 | $512 | $442 | $1,394 |
2019 Acura ILX | $270 | $474 | $452 | $1,354 |
2018 Acura ILX | $260 | $446 | $456 | $1,320 |
2017 Acura ILX | $248 | $400 | $460 | $1,266 |
2016 Acura ILX | $232 | $368 | $460 | $1,218 |
2015 Acura ILX | $224 | $346 | $464 | $1,192 |
2014 Acura ILX | $220 | $322 | $474 | $1,174 |
2013 Acura ILX | $202 | $300 | $474 | $1,134 |
Rates are averaged for all Acura ILX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Acura ILX Insurance
Finding cheaper rates on Acura ILX insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a summary of the car insurance concepts presented in the illustrations above.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,350 more per year than a safer driver
- Drivers can save around $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $350 each year
- Drivers who purchase an increased level of liability coverage will pay about $520 each year to raise limits from a 30/60 limit to 250/500 limits
Now that you have a better idea of how Acura ILX insurance rates can vary based on the profile of the driver, we are going to examine the profile of the Acura ILX itself. Just as the portrait of the driver makes a difference, the same can be said for the car you drive because no two models are exactly the same.
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How does the size and class of the Acura ILX affect liability rates?
Every insurance policy starts with a basic foundation called liability auto insurance. Every state requires a minimum amount of liability coverage for each registered driver so they can be held responsible for any damages they might cause.
One of the ways liability rates are calculated is by examining the size and class of a particular model and seeing how it stacks up against other similar vehicles.
The Insurance Institute for Highway Safety (IIHS) classifies the Acura ILX as a small car. Therefore, liability rates for the Acura ILX are calculated based on how well the Acura ILX performs against similar models like the Ford Focus or Honda Civic.
Research from the IIHS shows that the Acura ILX reflects a bodily injury liability loss ratio of -5 percent and a property damage liability loss ratio of -2 percent. Both of these loss percentages mean that the Acura ILX performs better than average for this size and class.
What does liability insurance cost for an Acura ILX?
Bodily injury liability insurance pays for things like medical expenses and lost wages for the other party after an accident that is your fault.
The following general quotes will show a breakdown of how much bodily injury liability costs for the Acura ILX from low to high coverage.
- Low ($25,000): $82.27
- Medium ($50,000): $107.73
- High ($100,000): $125.29
Property damage insurance is the second form of liability coverage you are required to carry. This pays for any damages sustained to the other party’s property, including their vehicle.
Let’s take a look at the following general rates for property damage liability insurance for the Acura ILX based on the level of coverage you wish to receive.
- Low ($25,000): $189.27
- Medium ($50,000): $191.69
- High ($100,000): $190.91
This data suggests that bodily injury rates for the Acura ILX vary much more than property damage rates. Ultimately, it’s your decision as to how much money you want to be insured for in the event of an accident.
What are the safety features and ratings of the Acura ILX?
Equipping a vehicle with functioning safety features is of paramount importance for the driver and passengers inside.
Having working safety features can often be the difference between life and death, and the Acura ILX has plenty to make you feel secure behind the wheel.
Take a look at the following list of safety features for the Acura ILX with information sourced from AutoBlog.com.
- Anti-Lock Brakes
- Stability Control
- Front-Impact Airbags
- Side-Impact Airbags
- Overhead Airbags
- Pretensioners
- Anti-Theft Security
While these Acura ILX safety features will do a lot to keep you safe behind the wheel, insurance rates for the Acura ILX are still tied to every model that belongs to the small car class.
The IIHS reports that out of 7,965,422 registered small cars, a total of 427 deaths have been reported for the class. Broken down, that is a fatality rate of 54 per one million registered drivers who own a vehicle similar to the Acura ILX.
Point of impact also plays a big role in how fatal a crash can turn out to be. Take a look at the following data to see which types of crashes are more fatal than others.
- Frontal Impact: 7,433 deaths
- Side Impact: 3,568 deaths
- Rear Impact: 834 deaths
- Other (mostly rollovers): 1,303 deaths
What is the MSRP of the Acura ILX?
The Manufacturer’s Suggested Retail Price (MSRP) is used to determine a fair purchasing price for any particular model.
Kelley Blue Book (KBB) reports that the MSRP for the base-level 2020 Nissan NV200 is $26,925, with a fair market value range between $22,570 to $25,269.
If you wish to protect your Acura ILX, you will need to purchase full coverage. Two of the most basic forms of full insurance coverage are called collision and comprehensive insurance.
- Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
- Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.
The best way to find out if full coverage on the Acura ILX is by examining the model’s loss percentages. Data reported from the IIHS suggests that the Acura ILX has a collision loss ratio of 3 percent and a comprehensive loss ratio of -14 percent.
How much will it cost to repair my Acura ILX?
If you want your Acura ILX to remain in good-driving condition, keeping up with regularly scheduled maintenance appointments and repairing parts is absolutely necessary.
Some years might be more expensive than others but when you combine them together, experts from RepairPal report that the annual cost of maintenance for the Acura ILX is $435.
In the event that your vehicle needs new parts, some of the Acura ILX’s components are more expensive than others. Take a look at the following general quotes from YourMechanic.com that shows how much vehicle maintenance costs on the Acura ILX.
- Strut Assembly Replacement: $463
- Brake Caliper Replacement: $304
- Axle / Shaft Assembly Replacement: $295
- Spark Plug Replacement: $283
- Control Arm Assembly Replacement: $272
- Drive Belt Tensioner Replacement: $221
- Car Battery Replacement: $206
- Oil Pressure Sensor Replacement: $112
We have gone into a lot of detail about how Acura ILX insurance rates are determined by both the profile of the driver and the car. Is there anything we might have missed that you would like to know more about? If not, use our free online tool to start comparing quotes today.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,578 |
20 | $2,684 |
30 | $1,204 |
40 | $1,174 |
50 | $1,074 |
60 | $1,052 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,410 |
$250 | $1,302 |
$500 | $1,174 |
$1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,174 |
50/100 | $1,269 |
100/300 | $1,387 |
250/500 | $1,695 |
100 CSL | $1,316 |
300 CSL | $1,577 |
500 CSL | $1,767 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,482 |
20 | $4,278 |
30 | $2,562 |
40 | $2,528 |
50 | $2,416 |
60 | $2,392 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $61 |
Multi-vehicle | $63 |
Homeowner | $20 |
5-yr Accident Free | $77 |
5-yr Claim Free | $75 |
Paid in Full/EFT | $47 |
Advance Quote | $54 |
Online Quote | $81 |
Total Discounts | $478 |
Discounts are estimated and may not be available from every company or in every state.
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