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.

The average insurance prices for an Acura ILX are $1,192 every 12 months including full coverage. Comprehensive costs approximately $224 each year, collision insurance costs $346, and liability is $464. Liability-only insurance costs around $514 a year, and high-risk driver insurance costs around $2,574. 16-year-old drivers cost the most to insure at up to $4,634 a year.

Average premium for full coverage: $1,192

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and ILX models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how where you live affects auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location and their own driving history, instead of using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Acura ILX insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $704
• Raising to $1,000 deductibles will save $130 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,192
• Buying low deductibles increases the price to $1,442
• At-risk drivers with multiple tickets or accidents could pay around $2,574
• Policy cost to insure a teen driver can cost $4,634

View Chart as Image

Auto insurance rates for an Acura ILX also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your ILX.

Opting for high physical damage deductibles can reduce rates by up to $380 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Acura ILX insurance prices. A middle-age driver might find rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,700 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Shop for Cheap Acura ILX Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to comparison shop at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a brief summary of the concepts that were touched on in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,380 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $386 each month if comprehensive and collision insurance is included
• You may be able to save around $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• You may be able to save around $140 per year just 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.