Acura ILX Insurance Rates

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UPDATED: Apr 24, 2024

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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 rates for an Acura ILX are $1,174 a year for full coverage. Comprehensive costs an estimated $220, collision insurance costs $322, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs around $2,528. Teenage drivers pay the highest rates at up to $4,578 a year.

Average premium for full coverage: $1,174

Price estimates broken down by individual coverage:

Comprehensive $220
Collision $322
Liability $474

Includes $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all ILX models.

Price Range from Low to High

For the average driver, Acura ILX insurance prices range from as low as $522 for just the minimum liability insurance to the much higher price of $2,528 for high-risk insurance.

Liability Only $522
Full Coverage $1,174
High Risk $2,528

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities. The example below illustrates how location impacts insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The ranges above show why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on 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.

Additional Rate Analysis

The chart below shows average Acura ILX insurance rates for other coverage scenarios.

  • The best discount rate is $696
  • Raising to $1,000 deductibles will save approximately $124 a year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,174
  • Using pricier low deductibles will increase the cost to $1,410
  • Drivers who are prone to accidents and violations could pay up to $2,528
  • The price for full coverage for a 16-year-old driver for full coverage can cost as much as $4,578

View Chart as Image

Acura ILX insurance cost comparison chart
Column chart showing Acura ILX insurance rates range from $696 to $4,578 for full coverage

Insurance prices for an Acura ILX are also quite variable based on your driving record, the trim level of your ILX, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

The state you live in also has a big influence on Acura ILX insurance prices. A middle-age driver might find prices as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,670 on average in New York, Louisiana, and Michigan.

Acura ILX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $900 -$274 -23.3%
Arizona $974 -$200 -17.0%
Arkansas $1,174 -$0 0.0%
California $1,338 $164 14.0%
Colorado $1,122 -$52 -4.4%
Connecticut $1,208 $34 2.9%
Delaware $1,328 $154 13.1%
Florida $1,468 $294 25.0%
Georgia $1,082 -$92 -7.8%
Hawaii $844 -$330 -28.1%
Idaho $792 -$382 -32.5%
Illinois $874 -$300 -25.6%
Indiana $884 -$290 -24.7%
Iowa $792 -$382 -32.5%
Kansas $1,116 -$58 -4.9%
Kentucky $1,600 $426 36.3%
Louisiana $1,736 $562 47.9%
Maine $724 -$450 -38.3%
Maryland $966 -$208 -17.7%
Massachusetts $940 -$234 -19.9%
Michigan $2,038 $864 73.6%
Minnesota $982 -$192 -16.4%
Mississippi $1,404 $230 19.6%
Missouri $1,040 -$134 -11.4%
Montana $1,260 $86 7.3%
Nebraska $924 -$250 -21.3%
Nevada $1,406 $232 19.8%
New Hampshire $844 -$330 -28.1%
New Jersey $1,310 $136 11.6%
New Mexico $1,040 -$134 -11.4%
New York $1,236 $62 5.3%
North Carolina $676 -$498 -42.4%
North Dakota $962 -$212 -18.1%
Ohio $810 -$364 -31.0%
Oklahoma $1,204 $30 2.6%
Oregon $1,074 -$100 -8.5%
Pennsylvania $1,120 -$54 -4.6%
Rhode Island $1,564 $390 33.2%
South Carolina $1,062 -$112 -9.5%
South Dakota $990 -$184 -15.7%
Tennessee $1,028 -$146 -12.4%
Texas $1,414 $240 20.4%
Utah $868 -$306 -26.1%
Vermont $804 -$370 -31.5%
Virginia $704 -$470 -40.0%
Washington $908 -$266 -22.7%
West Virginia $1,074 -$100 -8.5%
Wisconsin $814 -$360 -30.7%
Wyoming $1,046 -$128 -10.9%

View Chart as Image

Acura ILX insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $360 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra each year, depending on your age. Acura ILX insurance for high-risk drivers is expensive and can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates

Acura ILX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Acura ILX $320 $566 $398 $1,442
2022 Acura ILX $308 $552 $416 $1,434
2021 Acura ILX $298 $530 $430 $1,416
2020 Acura ILX $282 $512 $442 $1,394
2019 Acura ILX $270 $474 $452 $1,354
2018 Acura ILX $260 $446 $456 $1,320
2017 Acura ILX $248 $400 $460 $1,266
2016 Acura ILX $232 $368 $460 $1,218
2015 Acura ILX $224 $346 $464 $1,192
2014 Acura ILX $220 $322 $474 $1,174
2013 Acura ILX $202 $300 $474 $1,134

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 Find the Cheapest Acura ILX Insurance

Getting lower rates on insurance for an Acura ILX consists of being a safe and courteous driver, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every couple of years by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a recap of the material that was touched on above.

  • Insureds who want higher levels of liability will pay an extra $520 each year to raise from a low limit to 250/500 limits
  • Teenage drivers are charged the highest prices, with premiums as much as $382 a month for full coverage
  • Drivers considered higher risk that have major violations or accidents pay an average of $1,350 more annually for auto insurance
  • Increasing physical damage deductibles can save around $350 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 $4,578
20 $2,684
30 $1,204
40 $1,174
50 $1,074
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Acura ILX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,410
$250 $1,302
$500 $1,174
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Acura ILX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,269
100/300 $1,387
250/500 $1,695
100 CSL $1,316
300 CSL $1,577
500 CSL $1,767

Full coverage, driver age 40

Rates for High Risk Drivers

Acura ILX Insurance Rates for High Risk Drivers
Age Premium
16 $6,482
20 $4,278
30 $2,562
40 $2,528
50 $2,416
60 $2,392

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 $160

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $77
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $81
Total Discounts $478
Rate after discounts $696

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

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