Acura ILX Insurance Rates

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.

U.S. average auto insurance rates for an Acura ILX are $1,394 annually for full coverage. Comprehensive costs around $282, collision insurance costs $512, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $3,022. Teenage drivers pay the highest rates at up to $5,264 a year.

Average premium for full coverage: $1,394

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all ILX models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above show why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

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

• The best discount rate is $802
• Choosing higher $1,000 deductibles can save about $182 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,394
• Using pricier low deductibles for comp and collision coverage will cost $1,742
• Unlucky drivers who are prone to accidents and violations could pay at least $3,022
• The price with full coverage for a teen driver for full coverage can be $5,264 each year

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Auto insurance prices for an Acura ILX are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, 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 some driving violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 in extra premium each year, depending on your age. Acura ILX insurance for high-risk drivers ranges as much as 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $530 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Acura ILX insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.

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How to Buy Low Cost Acura ILX Insurance

Getting lower rates on car insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a review of the concepts that were raised in the charts and tables above.

• Higher risk drivers who have several accidents or serious violations pay an average of $1,630 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $439 a month if full coverage is included
• Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $525 each year
• Drivers can save up to $170 per year just by quoting online well ahead of the renewal date

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.