Acura ILX Insurance Rates

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Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Insurance Content Team Lead

UPDATED: Jun 6, 2023

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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 auto insurance rates for an Acura ILX are $1,394 annually for full coverage. Comprehensive costs around $282 each year, collision costs $512, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $3,022. 16-year-old drivers cost the most to insure at $5,264 a year or more.

Average premium for full coverage: $1,394

Policy rates for type of insurance:

Comprehensive $282
Collision $512
Liability $442

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and ILX models.

Price Range Variability

For an average driver, Acura ILX insurance rates go from as cheap as $496 for just liability coverage to a high rate of $3,022 for high-risk insurance.

Liability Only $496
Full Coverage $1,394
High Risk $3,022

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,046
Small Cities $1,464
Large Cities $1,882

The examples above show why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using rate 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.

Detailed Rate Analysis

The chart below shows estimated Acura ILX insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $802
  • Drivers who choose higher $1,000 deductibles will pay about $182 a year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,394
  • Buying low deductibles for comprehensive and collision insurance will cost $1,742
  • High-risk insureds with multiple tickets or accidents could pay at least $3,022 or more
  • Policy cost with full coverage for a teenage driver can be $5,264 a year

View Chart as Image

Acura ILX insurance cost comparison chart
Column chart showing full coverage Acura ILX insurance rates range from $802 to $5,264

Auto insurance rates for an Acura ILX also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $530 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Acura ILX insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or at least $1,990 on average in Michigan, Louisiana, and New York.

Acura ILX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,260 -$134 -9.6%
Alaska $1,070 -$324 -23.2%
Arizona $1,158 -$236 -16.9%
Arkansas $1,394 -$0 0.0%
California $1,586 $192 13.8%
Colorado $1,330 -$64 -4.6%
Connecticut $1,434 $40 2.9%
Delaware $1,576 $182 13.1%
Florida $1,742 $348 25.0%
Georgia $1,286 -$108 -7.7%
Hawaii $1,000 -$394 -28.3%
Idaho $942 -$452 -32.4%
Illinois $1,038 -$356 -25.5%
Indiana $1,050 -$344 -24.7%
Iowa $940 -$454 -32.6%
Kansas $1,326 -$68 -4.9%
Kentucky $1,902 $508 36.4%
Louisiana $2,062 $668 47.9%
Maine $860 -$534 -38.3%
Maryland $1,150 -$244 -17.5%
Massachusetts $1,114 -$280 -20.1%
Michigan $2,420 $1,026 73.6%
Minnesota $1,166 -$228 -16.4%
Mississippi $1,668 $274 19.7%
Missouri $1,236 -$158 -11.3%
Montana $1,498 $104 7.5%
Nebraska $1,098 -$296 -21.2%
Nevada $1,670 $276 19.8%
New Hampshire $1,002 -$392 -28.1%
New Jersey $1,558 $164 11.8%
New Mexico $1,234 -$160 -11.5%
New York $1,468 $74 5.3%
North Carolina $802 -$592 -42.5%
North Dakota $1,140 -$254 -18.2%
Ohio $962 -$432 -31.0%
Oklahoma $1,430 $36 2.6%
Oregon $1,276 -$118 -8.5%
Pennsylvania $1,330 -$64 -4.6%
Rhode Island $1,860 $466 33.4%
South Carolina $1,260 -$134 -9.6%
South Dakota $1,178 -$216 -15.5%
Tennessee $1,222 -$172 -12.3%
Texas $1,678 $284 20.4%
Utah $1,032 -$362 -26.0%
Vermont $954 -$440 -31.6%
Virginia $834 -$560 -40.2%
Washington $1,078 -$316 -22.7%
West Virginia $1,276 -$118 -8.5%
Wisconsin $964 -$430 -30.8%
Wyoming $1,242 -$152 -10.9%

View Chart as Image

Acura ILX insurance rates by U.S. city

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied between companies.

Acura ILX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Acura ILX $282 $512 $442 $1,394
2015 Acura ILX $232 $368 $460 $1,218

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 Buy Cheap Acura ILX Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief summary of the material that was covered in the above illustrations.

  • Consumers who may need an increased level of liability coverage will pay around $490 each year to go from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, costing up to $439 each month if full coverage is included
  • Drivers that tend to have accidents or serious violations pay an average of $1,630 more every year than a safer driver
  • Increasing comprehensive and collision deductibles could save up to $525 each year

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.

Rates by Driver Age

Acura ILX Insurance Rates by Driver Age
Driver Age Premium
16 $5,264
20 $3,220
30 $1,450
40 $1,394
50 $1,274
60 $1,248

Full coverage, $500 deductibles

Rates by Deductible

Acura ILX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,742
$250 $1,580
$500 $1,394
$1,000 $1,212

Full coverage, driver age 40

Rates by Liability Limit

Acura ILX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,394
50/100 $1,482
100/300 $1,593
250/500 $1,880
100 CSL $1,527
300 CSL $1,770
500 CSL $1,947

Full coverage, driver age 40

Rates for High Risk Drivers

Acura ILX Insurance Rates for High Risk Drivers
Age Premium
16 $7,502
20 $5,132
30 $3,082
40 $3,022
50 $2,886
60 $2,860

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.

SR-22 Surcharge $196

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $102
5-yr Claim Free $90
Paid in Full/EFT $63
Advance Quote $69
Online Quote $99
Total Discounts $592
Rate after discounts $802

Discounts are estimated and may not be available from every company or in every state.

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