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.

Average auto insurance rates for an Acura ILX are $1,174 annually including full coverage. Comprehensive insurance costs around $220 each year, collision insurance costs $322, and liability insurance is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,528 or more. 16-year-old drivers receive the highest rates at up to $4,578 a year.

Average premium for full coverage: $1,174

Rate estimates for individual coverage type:

Comprehensive $220
Collision $322
Liability $474

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and ILX models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,528 for a high-risk insurance policy.

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

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

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

These examples highlight why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, 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.

Additional Rate Details

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

  • The best full coverage rate is $696
  • Raising to $1,000 deductibles will save about $124 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,174
  • Buying low deductibles costs an additional $236 a year
  • Higher-risk drivers with multiple tickets or accidents could pay at least $2,528
  • The cost with full coverage for a teen driver can be $4,578

View Chart as Image

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

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

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $360 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per 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 $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,670 on average in Michigan, New York, and Louisiana.

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
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 Buy the Best Cheap Acura ILX Insurance

Saving money on Acura ILX insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

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

  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,350 more every year for car insurance
  • You may be able to save up to $140 per year just by quoting online in advance
  • Increasing deductibles could save up to $350 each year
  • Drivers who may need higher liability limits will pay around $520 per year 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.

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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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