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.

Estimated auto insurance rates for an Acura ILX are $1,174 annually for full coverage. Comprehensive insurance costs around $220, collision costs $322, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,528 or more. Teen drivers pay the most at $4,578 a year or more.

Average premium for full coverage: $1,174

Premium estimates for type of coverage:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different ILX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $696
• Choosing higher $1,000 deductibles can save about $124 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,174
• Choosing more expensive low deductibles for comp and collision coverage costs an additional $236 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,528 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can be $4,578 each year

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Insurance prices for an Acura ILX also have a wide range based on the model of your ILX, your driver profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $360 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Acura ILX insurance prices. A good driver about age 40 could pay as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,670 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know your exact price is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices will be substantially different between companies.

How to Buy the Right Acura ILX Insurance

Finding better rates on car insurance takes having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by requesting rates from direct carriers, and also from local independent and exclusive agents.

The next list is a quick rundown of the concepts that were covered above.

• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,350 more every year to buy Acura ILX insurance
• Drivers age 20 and younger pay higher prices, as much as $382 per month including comprehensive and collision insurance
• Drivers can save up to $140 per year simply by shopping early and online
• Increasing policy deductibles could save up to $350 each year
• Drivers can save up to $140 per year simply by shopping early and online

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.