Acura ILX Insurance Rates
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UPDATED: Mar 15, 2023
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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.
Average auto insurance rates for an Acura ILX are $1,416 annually for full coverage insurance. Comprehensive costs on average $298, collision costs $530, and liability insurance is $430. Buying just liability costs around $486 a year, with insurance for high-risk drivers costing around $3,062. Teen drivers receive the highest rates at $5,298 a year or more.
Average premium for full coverage: $1,416
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all ILX models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $486 for your basic liability-only policy to the much higher price of $3,062 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on price 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.
More Rate Information
The chart below illustrates estimated Acura ILX insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $815
- Raising to $1,000 deductibles will save around $188 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,416
- Choosing pricier low deductibles will cost $1,780
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,062 or more
- The cost with full coverage for a teen driver for full coverage may cost $5,298
Auto insurance rates for an Acura ILX can also vary considerably based on the trim level of your ILX, your risk profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. Acura ILX insurance for high-risk drivers is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $560 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Acura ILX insurance rates. A middle-age driver might find rates as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,910 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With so much variability in rates, the only way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Acura ILX||$298||$530||$430||$1,416|
|2015 Acura ILX||$248||$400||$460||$1,266|
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 Buy Cheap Acura ILX Insurance
Saving money on Acura ILX insurance consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a brief summary of the information covered above.
- It is possible to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Teenagers are charged the highest rates, costing up to $442 per month if full coverage is included
- Increasing deductibles could save up to $550 each year
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,650 more each year for car insurance
- Drivers who require higher liability limits will pay about $470 annually to raise from a minimum limit to higher 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.
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
- 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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$104|
|5-yr Claim Free||$92|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.