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.

Average insurance prices for an Acura ILX are $1,174 every 12 months with full coverage. Comprehensive insurance costs an estimated $220 each year, collision costs $322, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,528 or more. Teenage drivers receive the highest rates at $4,578 a year or more.

Average premium for full coverage: $1,174

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and ILX models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below details estimated Acura ILX insurance rates for other coverage scenarios.

• The best discount rate is $696
• Raising to $1,000 deductibles will save approximately $124 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,174
• Using low deductibles costs an extra $236 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,528 or more
• The cost to insure a teen driver can cost as much as $4,578

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Insurance rates for an Acura ILX can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $360 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Acura ILX insurance rates. A middle-age driver might find rates as low as $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,590 on average in New York, Michigan, and Florida.

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With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different.

How to Shop for the Best Cheap Acura ILX Insurance

Saving money on Acura ILX insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the concepts that were covered above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,350 more annually for ILX insurance
• Teens are expensive to insure, with premiums as much as $382 per month if full coverage is included
• You may be able to save approximately $140 per year simply by quoting online in advance
• Increasing deductibles could save as much as $350 each year
• You may be able to save approximately $140 per year simply by quoting online in advance

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.