Acura ILX Car Insurance: How Much Should You Expect to Pay?

Acura ILX owners pay an average of $170 monthly for their insurance prices. Check out our comprehensive guide to find out how much auto insurance carriers might charge you to insure your Acura ILX.

Quick Facts

  • Insuring an Acura ILX costs about the same as insuring the average car.
  • Liability insurance for an ILX comes in at around $92 per month, while full coverage usually runs about $182.
  • Freedom provides the lowest average premiums for an ILX with liability only coverage offered for sometimes as cheap as $40 a month.

ILX Overview

The Acura ILX is a great budget-friendly car for drivers of all types, with new 2022 models starting at $28,500. You'll have your choice of three different trim levels, so every driver can find an option to match their style.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've determined that average Acura ILX car insurance rates run around $170 monthly. How do auto insurance premiums for the ILX compare to rates of other similar cars?

Current Base Price$28,500
Body Style(s)Car
Trim LevelsPREMIUM A-SPEC/TECHNOLOGY A-SPEC, ILX, PREMIUM/TECHNOLOGY
Average Insurance Premium$170/mo.
Cheapest Insurance CompanyFreedom

How Much is Car Insurance for an Acura ILX?

Vehicle Liability Only Full Coverage
Acura ILX$92$182
All Acura Models$90$176
All Cars$83$177
Average Insurance Premium$81$169

If you look at the table above, you'll see that compared to other vehicles on the road, Acura ILX insurance prices are about average. ILX drivers normally pay around $182 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $92 a month for liability only insurance (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Compared to other models, the ILX is on par with Acura's vehicle offerings. Compared to offerings from other brands, insurance for an ILX is similarly on the expensive side, with full coverage insurance premiums coming in about 3% more and 11% more for liability only insurance.

Compared to all vehicles, regardless of body style, make, or model, car insurance rates for both full coverage and liability only policies run higher than average.

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Who has the Cheapest Car Insurance for an Acura ILX?

Insurance Company Average Monthly Premium
Hugo$31
FirstChicago$38
Freedom$40
Shelter Mutual$40
Sun Coast$43

Searching for a car insurance policy for your Acura ILX? You're probably most interested in which carrier offers the lowest premiums. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $31 per month from Hugo. The runner up for cheapest rates is FirstChicago, with auto insurance policies starting as cheap as just $38 per month.

Freedom, Shelter Mutual, and Sun Coast round out the end of the top 5 list. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance carriers take a variety of things into consideration when offering you premiums. By reviewing quotes from a bunch of car insurance companies at once, you can be confident you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for an Acura ILX?

There are an array of pieces that insurance carriers use to choose how much they charge for auto insurance -- and every company uses a different algorithm, so there's not just one carrier that's the lowest for each ILX owner.

The following sections show a wide array of factors car insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$80
2-3 Years$89
4-5 Years$108
6-7 Years$98
8-10 Years$96
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

The Acura ILX has been around for a while -- that means vehicle age can make a difference in what you end up paying for insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go down.

Based on the information in the table above, the Acura ILX does not follow this trend, as the cheapest models to insure are those that are 1 year old or less, while the most expensive models are 4 to 5 years old, on average.

Your Age

Age Average Monthly Premium

Your age is another variable that makes a big difference in how much auto insurance carriers will charge you for a policy. As you can see in the table above, older ILX drivers pay less compared to younger drivers. Acura ILX drivers aged 18 to 24 actually pay $50 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for ILX drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$85
Female$101

Because women are less likely to get tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance companies will tend to offer women more affordable premiums. For ILX owners, that difference is around $16 monthly, with women paying an average of $101 and men looking at around $85.

Where You Live

State Average Monthly Premium
California$59
Florida$150
Georgia$114
Illinois$44
New York$227
North Carolina$42
Ohio$47
Pennsylvania$57
Texas$73
Virginia$89

It may seem like common sense that variables such as what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live matters just as much. Since insurance is regulated on a state-by-state basis, rates can differ quite a bit from state to state.

For example, the average Acura ILX driver from New York pays about $227 a month for liability coverage. Meanwhile, the same owner from California will pay less than 50% of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Acura ILX Car Insurance Discounts

Regardless of how old you are, where you live, or which car you drive, using as many discounts as possible when it comes to your car insurance is always the smart move when shopping around for a policy.

Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Multi-vehicle discounts for insuring more than one of your cars with the same company
  • Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments
  • Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes, the best way to get great rates is to work on your overall insurance profile.

While you can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), there is quite a bit that you can control. Below are just a few of the ones you can use to your advantage in order to save on car insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$124
Multiple Accidents$136
1 Ticket$93
Multiple Tickets$151

It's no secret that auto insurance companies offer the cheapest rates to drivers with a history of responsible driving. It shouldn't come as a surprise that if you get into an accident or get a speeding ticket, insurance premiums will increase. But exactly how much can it cost you for these infractions?

You can see from the table above that accidents will usually cost ILX drivers more than tickets, but both will result in higher than average rates. Acura ILX drivers with one ticket will pay an average of $93 monthly, while drivers with a single accident on their record pay about $124 each month (up $32 from the $92/mo. overall average). The rates only get higher the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$79
2,501-5,000 Miles$112
5,001-7,500 Miles$68
7,501-10,000 Miles$95
10,000+ Miles$90

Another factor that affects your car insurance prices is how much you drive. Those who drive less have fewer opportunities to get into an accident, so they'll typically get cheaper premiums. Based on the table above, you can see that Acura ILX owners who drive 10,000 miles or more pay $90 for auto insurance, while those who drive fewer than 2,500 miles every year pay about $79 a month.

If you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Acura ILXs Compare to Other Vehicles?

If you're considering buying a new vehicle and an Acura ILX is on your shortlist, you might want to know how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth thinking about carefully.

Check out the table below to see how the Acura ILX compares:

Acura ILX National Average
Liability Insurance$75$81
Full Coverage Insurance$179$169
Base MSRP$28,500$46,192
Average Annual Mileage10,58711,617

With an MSRP that's a third less than the going rate for a new vehicle, the Acura ILX is a fantastic value for any budget. The ILX has a base price of $28,500, which is much cheaper than the national average vehicle price of $46,192.

Full coverage insurance for an Acura ILX is around $10 per month more than average, while liability only coverage is $6 cheaper per month.

However, it is worth noting that the ILX drivers tend to use their cars less than the average American driver, with only 10,587 annual miles for the average owner.

Acura ILX Car Insurance Costs by Model Year

We've walked through many of the factors that can affect how much you might pay for car insurance. If you're considering purchasing a new ILX, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2022 Acura ILX Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$179
Base MSRP$28,500
Cheapest Insurance CompanyMile Auto - $32/mo.
Available TrimsILX, PREMIUM A-SPEC/TECHNOLOGY A-SPEC, PREMIUM/TECHNOLOGY

As we saw above, if you're considering a brand new 2022 vehicle, the latest Acura ILX is a fantastic option for your budget.

On average, it costs about $75 a month to insure a 2022 Acura ILX for liability only and $179 monthly for full coverage. And if you want the most affordable insurance possible, Mile Auto offers liability only policies for sometimes as low as $32 per month.

While it's helpful to know how much the average driver pays for insurance, you'll only find out exactly what you'll pay if you get a personalized quote. Luckily, Compare.com will gather quotes from a variety of carriers for you, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2021 Acura ILX Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$183
Base MSRP$27,950
Cheapest Insurance CompanySafeco - $26/mo.
Available TrimsILX, PREMIUM A-SPEC/TECHNOLOGY A-SPEC, PREMIUM/TECHNOLOGY

If you're in the market for a 2021 ILX or already own one, you're most likely looking at an average car insurance premium of around $78 for liability or $183 for full coverage.

And if you're just looking for the lowest insurance for your ILX, Safeco offers liability only policies for as little as $26 a month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2021 Acura ILX, you can get free quotes in minutes by just entering your ZIP code below.

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2020 Acura ILX Car Insurance

   
Liability Only Avg. Premium$90
Full Coverage Avg. Premium$229
Base MSRP$27,750
Cheapest Insurance CompanyClearcover - $22/mo.
Available TrimsILX, PREMIUM A-SPEC/TECHNOLOGY A-SPEC, PREMIUM/TECHNOLOGY

You can expect full coverage for a 2020 ILX to run about $229 per month, while liability only coverage will average around $90 monthly.

If you're looking for the lowest possible 2020 Acura ILX insurance policy, Clearcover offered the cheapest policy we found, with rates as cheap as $22 a month.

Want to find the most affordable rates? Get lots of free personalized quotes by just entering your ZIP code below.

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2019 Acura ILX Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$166
Base MSRP$25,900
Cheapest Insurance CompanyClearcover - $19/mo.
Available TrimsILX, PREMIUM A-SPEC/TECHNOLOGY A-SPEC, PREMIUM/TECHNOLOGY

It costs about $73 per month for liability or $166 for a full coverage policy for the 2019 Acura ILX.

Clearcover offered the cheapest policy we found, with rates as low as just $19 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2018 Acura ILX Car Insurance

   
Liability Only Avg. Premium$101
Full Coverage Avg. Premium$171
Base MSRP$28,100
Cheapest Insurance CompanyHugo - $20/mo.
Available TrimsBASE WATCH PLUS, PREMIUM TECH, SPECIAL EDITION

On average, drivers who own a 2018 ILX can expect to pay $101 to $171 a month for liability only and full coverage insurance, respectively.

Looking for the most affordable policy? Hugo offered liability only coverage for as little as just $20 per month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get multiple customized quotes for free.

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2017 Acura ILX Car Insurance

   
Liability Only Avg. Premium$126
Full Coverage Avg. Premium$223
Base MSRP$27,990
Cheapest Insurance CompanyClearcover - $22/mo.
Available TrimsBASE WATCH PLUS, PREMIUM TECH

The average cost to insure a 2017 Acura ILX with liability only coverage is $126 monthly, while full coverage runs around $223 per month.

With rates as low as $22 monthly, Clearcover offered the lowest policy we found for the 2017 Acura ILX.

If you want to find the best prices for auto insurance for a 2017 Acura ILX, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2016 Acura ILX Car Insurance

   
Liability Only Avg. Premium$121
Full Coverage Avg. Premium$219
Base MSRP$27,900
Cheapest Insurance CompanyOhio Mutual - $18/mo.
Available TrimsBASE WATCH PLUS, PREMIUM TECH

2016 ILX drivers can expect to pay an average of $121 a month for liability or $219 for full coverage.

With premiums sometimes as little as $18 monthly, Ohio Mutual offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2015 Acura ILX Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$172
Base MSRP$27,050
Cheapest Insurance CompanyMercury - $17/mo.
Available Trims20, 20 PREMIUM, 20 TECH, 24 PREMIUM

The average cost to insure a 2015 Acura ILX with liability only coverage is $85 per month, while full coverage runs about $172 a month.

Mercury has rates as little as $17 monthly for the 2015 Acura ILX.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2014 Acura ILX Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$170
Base MSRP$26,900
Cheapest Insurance CompanyElephant - $24/mo.
Available Trims20, 20 PREMIUM, 20 TECH, 24 PREMIUM, HYBRID, HYBRID TECH

You can expect full coverage for a 2014 ILX to run around $170 per month, while liability only coverage will average about $71 a month.

We found Elephant offered the cheapest policy, with rates sometimes as cheap as $24 monthly.

Want to know exactly what your car insurance rate will be? Just enter your ZIP code below to get several customized quotes for free.

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2013 Acura ILX Car Insurance

   
Liability Only Avg. Premium$94
Full Coverage Avg. Premium$170
Base MSRP$25,900
Cheapest Insurance CompanyElephant - $22/mo.
Available Trims20, 20 PREMIUM, 20 TECH, 24 PREMIUM, HYBRID, HYBRID TECH

2013 Acura ILX drivers can expect to pay an average of $94 per month for liability or $170 for full coverage.

With prices as little as just $22 a month, Elephant offered the lowest policy we found for the 2013 Acura ILX.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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Acura ILX Insurance FAQs

Is an Acura ILX expensive to insure?

Liability insurance runs an average of $92 per month, while full coverage will cost you around $182. It costs about the same to insure an Acura ILX as insuring the average vehicle.

How can I get the best price on car insurance for my Acura ILX?

There's only one way to guarantee you're getting the most affordable rates -- checking prices regularly and comparing quotes from a multitude of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a variety of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Acura ILX affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car before? Well, that's simply not true. There are a variety of variables auto insurance companies examine when they offer you a premium, but your car's color is not one of them.

Do I need to have insurance before I buy an Acura ILX?

You'll need to have valid insurance for your ILX before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your car insurance company know before you buy.

What car insurance discounts can I get for my Acura ILX?

You will find a whole range of different discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your Acura ILX and more on you, but if your ILX has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The only way to know for sure is to get in touch with your insurance carrier and ask about their discounts, since they shift quite a bit from carrier to carrier.

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