Acura ILX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 $1,192 a year with full coverage. Comprehensive insurance costs around $224 each year, collision insurance costs $346, and liability insurance is estimated at $464. Liability-only coverage costs approximately $514 a year, and high-risk coverage costs $2,574 or more. 16-year-old drivers pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates for individual coverage:

Comprehensive $224
Collision $346
Liability $464

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and ILX models.

Price Range from Low to High

Using a 40-year-old driver as an example, Acura ILX insurance prices range from as low as $514 for a discount liability-only rate to a high rate of $2,574 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,192
High Risk $2,574

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $894
Small Cities $1,252
Large Cities $1,609

The ranges above demonstrate why all drivers should get quotes for a specific zip code and risk profile, rather than relying on rate averages.

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.

Rates by State, City, and Model

The chart below details average Acura ILX insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $704
  • Choosing higher $1,000 deductibles can save about $130 annually
  • The average rate for the average middle-age driver using $500 deductibles is $1,192
  • Buying low deductibles for comp and collision coverage will cost an extra $250 a year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,574
  • The price for full coverage for a teen driver can be $4,634 each year

View Chart as Image

Acura ILX insurance cost comparison chart
Column chart showing Acura ILX insurance prices range from $704 to $4,634 for full coverage

Auto insurance prices for an Acura ILX are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Acura ILX insurance rates. A good driver about age 40 could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,610 on average in Florida, Michigan, and New York.

Acura ILX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,078 -$114 -9.6%
Alaska $914 -$278 -23.3%
Arizona $990 -$202 -16.9%
Arkansas $1,192 -$0 0.0%
California $1,360 $168 14.1%
Colorado $1,140 -$52 -4.4%
Connecticut $1,226 $34 2.9%
Delaware $1,350 $158 13.3%
Florida $1,492 $300 25.2%
Georgia $1,100 -$92 -7.7%
Hawaii $858 -$334 -28.0%
Idaho $806 -$386 -32.4%
Illinois $890 -$302 -25.3%
Indiana $898 -$294 -24.7%
Iowa $806 -$386 -32.4%
Kansas $1,134 -$58 -4.9%
Kentucky $1,628 $436 36.6%
Louisiana $1,766 $574 48.2%
Maine $736 -$456 -38.3%
Maryland $984 -$208 -17.4%
Massachusetts $956 -$236 -19.8%
Michigan $2,072 $880 73.8%
Minnesota $998 -$194 -16.3%
Mississippi $1,428 $236 19.8%
Missouri $1,058 -$134 -11.2%
Montana $1,282 $90 7.6%
Nebraska $940 -$252 -21.1%
Nevada $1,430 $238 20.0%
New Hampshire $858 -$334 -28.0%
New Jersey $1,332 $140 11.7%
New Mexico $1,056 -$136 -11.4%
New York $1,256 $64 5.4%
North Carolina $688 -$504 -42.3%
North Dakota $976 -$216 -18.1%
Ohio $822 -$370 -31.0%
Oklahoma $1,224 $32 2.7%
Oregon $1,092 -$100 -8.4%
Pennsylvania $1,138 -$54 -4.5%
Rhode Island $1,592 $400 33.6%
South Carolina $1,080 -$112 -9.4%
South Dakota $1,008 -$184 -15.4%
Tennessee $1,044 -$148 -12.4%
Texas $1,438 $246 20.6%
Utah $884 -$308 -25.8%
Vermont $818 -$374 -31.4%
Virginia $714 -$478 -40.1%
Washington $922 -$270 -22.7%
West Virginia $1,092 -$100 -8.4%
Wisconsin $826 -$366 -30.7%
Wyoming $1,064 -$128 -10.7%

View Chart as Image

Acura ILX insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $380 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Acura ILX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Acura ILX $332 $570 $390 $1,450
2022 Acura ILX $320 $566 $398 $1,442
2021 Acura ILX $308 $552 $416 $1,434
2020 Acura ILX $298 $530 $430 $1,416
2019 Acura ILX $282 $512 $442 $1,394
2018 Acura ILX $270 $474 $452 $1,354
2017 Acura ILX $260 $446 $456 $1,320
2016 Acura ILX $248 $400 $460 $1,266
2015 Acura ILX $232 $368 $460 $1,218
2014 Acura ILX $224 $346 $464 $1,192
2013 Acura ILX $220 $322 $474 $1,174

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 Acura ILX insurance takes avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a recap of the car insurance concepts raised in the charts and tables above.

  • High-risk drivers that have major violations or accidents pay an average of $1,380 more every year for car insurance
  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing physical damage deductibles can save around $375 each year
  • Drivers who may need higher liability limits will pay around $510 every year to raise limits from a low limit to 250/500 limits

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 $4,634
20 $2,734
30 $1,226
40 $1,192
50 $1,092
60 $1,070

Full coverage, $500 deductibles

Rates by Deductible

Acura ILX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,442
$250 $1,326
$500 $1,192
$1,000 $1,062

Full coverage, driver age 40

Rates by Liability Limit

Acura ILX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,192
50/100 $1,285
100/300 $1,401
250/500 $1,702
100 CSL $1,331
300 CSL $1,586
500 CSL $1,772

Full coverage, driver age 40

Rates for High Risk Drivers

Acura ILX Insurance Rates for High Risk Drivers
Age Premium
16 $6,568
20 $4,358
30 $2,612
40 $2,574
50 $2,458
60 $2,434

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $83
Total Discounts $488
Rate after discounts $704

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

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