Acura ILX Insurance Rates
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UPDATED: May 1, 2020
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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.
U.S. average insurance prices for an Acura ILX are $1,450 every 12 months with full coverage. Comprehensive costs around $332 a year, collision insurance costs $570, and liability costs around $390. Liability-only insurance costs as low as $452 a year, and high-risk driver insurance costs around $3,130. Teenage drivers pay the highest rates at up to $5,326 a year.
Average premium for full coverage: $1,450
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and ILX trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Acura ILX insurance prices range from the cheapest price of $452 for just liability insurance to a high of $3,130 for a high-risk driver policy.
Geographic Price Range
Where you live can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why it is important to compare prices for a specific zip code and their own driving history, instead of using average rates.
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.
More Rate Details
The chart below details average Acura ILX insurance rates for additional coverage choices and driver risks.
- The best discount rate is $835
- Using higher $1,000 deductibles will save about $1,246 annually
- The average price for the average middle-age driver using $500 deductibles is $1,450
- Using low $100 deductibles for physical damage coverage increases the price to $1,850
- Drivers who are prone to accidents and violations could pay at least $3,130
- The price to insure a teen driver can be $5,326 or more
Car insurance prices for an Acura ILX are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Using high physical damage deductibles could cut prices by as much as $610 every year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Acura ILX insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,960 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Acura ILX||$332||$570||$390||$1,450|
|2019 Acura ILX||$320||$566||$398||$1,442|
|2018 Acura ILX||$308||$552||$416||$1,434|
|2017 Acura ILX||$298||$530||$430||$1,416|
|2016 Acura ILX||$282||$512||$442||$1,394|
|2015 Acura ILX||$270||$474||$452||$1,354|
|2014 Acura ILX||$260||$446||$456||$1,320|
|2013 Acura ILX||$248||$400||$460||$1,266|
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 Shop for the Best Cheap Acura ILX Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a quick review of the information touched on in the above illustrations.
- You may be able to save up to $180 per year just by quoting early and online
- Drivers under the age of 20 are the costliest to insure, costing up to $444 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $600 each year
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,680 more every year to insure an Acura ILX
- Policyholders who may need increased liability limits will pay an extra $430 every year to increase from a low limit to a 250/500 level
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.
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
- 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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$107|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.