Why Acura ILX Insurance Costs So Much: Insights for Savings

How much does Acura ILX car insurance cost? We compared rates from the base sedan model up to the Technology A-Spec trim level to see how prices compared to other midsize luxury cars.

Start a Free QuoteCompare Acura ILX car insurance quotes and save on your next policy.

How much does Acura ILX car insurance cost?

Car insurance for an Acura ILX costs an average of $1,968 per year for a policy with full coverage. Average monthly insurance cost on an ILX ranges from $158 to $173, depending on the trim level.

Drivers can expect to pay around $851 less each year to insure an Acura ILX compared to the average rate for midsize luxury sedans, and $253 less per year than the overall national average of $2,221.

The chart below demonstrates average car insurance rates for an Acura ILX using variations of driver age and risk profiles.

Average 2022 Acura ILX insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2022 Acura ILX insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2022 model year Acura ILX with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Acura ILX trim levels.

2022 Acura ILX Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,500$375
Safe Driver Age 20$3,940$328
At-fault Accidents Age 40$2,778$232
Low Deductibles Age 40$2,564$214
Safe Driver Age 30$2,096$175
Safe Driver Age 40$1,968$164
Safe Driver Age 50$1,746$146
High Deductibles Age 40$1,658$138
Discount Rate Age 40$1,636$136
Safe Driver Age 60$1,632$136

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2022 Acura ILX trim levels. Updated June 26, 2025

The chart above shows just a small set of insurance estimates for a 2022 Acura ILX. In reality, rates range much more.

As an example to illustrate this, consider that choosing a liability-only policy in the cheapest areas of Maine or Iowa may be as cheap as $225 a year.

For the same style of Acura ILX, a 16-year-old male driver with a propensity for speed in certain areas in Pennsylvania could be as much as $14,225 a year for full coverage. New York City car insurance could be even as high as $15,650!

How does Acura ILX insurance cost compare?

When rates are compared to other midsize luxury cars, car insurance for a Acura ILX costs $550 less per year than the Lexus ES 350, $682 less than the BMW 530i, $1,040 less than the Infiniti Q50, and $526 less than the Mercedes-Benz CLA250.

The Acura ILX ranks first out of 38 total vehicles in the midsize luxury car category. The ILX costs an estimated $1,968 per year to insure, while the category average cost is $2,819 per year, a difference of $851 per year.

The chart below shows how the ILX ranks for car insurance affordability against the other nine top-selling midsize luxury sedans for 2022. Following the chart, we also include a ranking table that details typical insurance rates for every vehicle in the midsize luxury car segment.

Average 2022 Acura ILX car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2022 Acura ILX car insurance premium compared to other midsize luxury car models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2022 model year Acura ILX. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Acura ILX trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Acura ILX Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968--
2Lexus RC 300$2,370$402
3Mercedes-Benz AMG CLA35$2,424$456
4BMW i4$2,438$470
5Cadillac CT5$2,446$478
6Audi A3$2,472$504
7Mercedes-Benz AMG CLA45$2,482$514
8Mercedes-Benz CLA250$2,494$526
9Lexus ES 250$2,504$536
10Lexus IS 300$2,510$542
11Lexus ES 350$2,518$550
12Audi S5$2,596$628
13Audi S4$2,612$644
14BMW 530i$2,650$682
15Lexus ES 300h$2,660$692
16Genesis G80$2,674$706
17Mercedes-Benz E350$2,676$708
18BMW 530e$2,702$734
19BMW 540i$2,708$740
20BMW M440i$2,720$752
21Mercedes-Benz E450$2,732$764
22Audi A6$2,804$836
23Jaguar XF$2,812$844
24Lexus IS 500$2,846$878
25BMW 430i$2,876$908
26Mercedes-Benz CLS450$2,896$928
27Infiniti Q50$3,008$1,040
28Audi RS 5$3,040$1,072
29Mercedes-Benz AMG C43$3,060$1,092
30Audi S6$3,082$1,114
31Mercedes-Benz AMG C63$3,156$1,188
32Audi A7$3,252$1,284
33BMW M550i$3,282$1,314
34Lexus LC 500h$3,348$1,380
35Tesla Model S$3,408$1,440
36Audi S7$3,526$1,558
37BMW M8$3,656$1,688
38BMW M5$3,696$1,728

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2022 model year. Updated June 27, 2025

With an average MSRP of $30,275, the 2022 Acura ILX ranges in price from the base Sedan trim at $27,300 to the Technology A-Spec Sedan trim at $33,200.

The midsize luxury sedan models that have the most similar average MSRP to the Acura ILX for the 2022 model year are the Audi A3, Mercedes-Benz CLA250, Lexus IS 300, and Lexus ES 250.

Here’s how those four models compare to an ILX for both MSRP and the cost of car insurance.

  • Compared to the Audi A3 – The Audi A3 retails for an average of $38,433, ranging from $33,900 to $43,200, which is $8,158 more expensive than the Acura ILX. Anticipate paying around $504 more every 12 months to insure the Audi A3 compared to an ILX.
  • Compared to the Mercedes-Benz CLA250 – The Mercedes-Benz CLA250 has an average retail price of $39,200, ranging from $38,200 to $40,200, which is $8,925 more expensive than the Acura ILX. The cost to insure an Acura ILX compared to the Mercedes-Benz CLA250 is $526 less annually on average.
  • Compared to the Lexus IS 300 – With an average dealer MSRP of $39,625 ($38,625 to $40,625), the Lexus IS 300 costs $9,350 more than the average cost for the Acura ILX. The average insurance cost for the ILX compared to the Lexus IS 300 is $542 less annually.
  • Compared to the Lexus ES 250 – The 2022 Acura ILX has an average MSRP that is $15,333 cheaper than the Lexus ES 250 ($30,275 versus $45,608). Expect to pay around $536 more annually for full-coverage insurance on the Lexus ES 250 compared to an ILX.

For additional head-to-head comparisons, including other Acura models, see our insurance cost comparisons page.

Which ILX trim level is cheapest to insure?

With Acura ILX car insurance rates ranging from $1,900 to $2,070 annually on average, the cheapest model to insure is the ILX Sedan. The second cheapest model to insure is the Premium Sedan at $1,926 per year. On average, plan on paying at a bare minimum $158 per month to insure an ILX for full coverage.

The most expensive ILX models to insure are the Technology A-Spec Sedan at $2,070 and the Premium A-Spec Sedan at $1,972 per year. Those two models will cost an extra $170 and $72 per year, respectively, over the cheapest Sedan model.

The next table details average Acura ILX car insurance rates for annual and semi-annual policy terms as well as a monthly budget estimate.

2022 Acura ILX Insurance Rates by Trim Level
2022 Acura ILX Trim Level Annual Premium Cost Per Month
Sedan$1,900$158
Premium Sedan$1,926$161
Premium A-Spec Sedan$1,972$164
Technology A-Spec Sedan$2,070$173

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2022 Acura ILX ranging from the Sedan model at $1,900 per year to the Technology A-Spec Sedan model at $2,070
Insurance cost by trim level for a 2022 Acura ILX ranging from the Sedan model at $1,900 per year to the Technology A-Spec Sedan model at $2,070

Frequently asked questions

Below are some of the more common questions and answers relating to insurance on ILX models.

What is the average cost per year for Acura ILX Insurance?

Acura ILX insurance costs an average of $1,968 per year with rates ranging from $1,900 per year for the ILX Sedan to $2,070 for the ILX Technology A-Spec Sedan.

What is the average monthly cost to insure a ILX?

The average monthly cost to insure an Acura ILX is $164 for full coverage. Rates range from around $136 per month for a 60-year-old drive to $328 for a 20-year-old driver. Teen drivers pay significantly higher rates.

How much would I save if I drop full coverage?

Removing physical damage coverage from your Acura ILX insurance policy could save around $830 per year on a 2013 Acura ILX.

How much does Acura ILX insurance cost in California?

The estimated annual rate to insure a Acura ILX for full coverage in the state of California is $2,382, or around $199 per month. California car insurance rates are $414 more than the national average rate for Acura ILX insurance.

Are Acura ILXs expensive to insure?

When compared to all other midsize luxury cars, the Acura ILX is cheaper to insure on average. An average driver will pay $1,968 per year to insure a Acura ILX, while the average rate for the entire midsize luxury car segment is $2,819.

How much does insurance cost for a 2020 Acura ILX?

For an average driver, expect to pay around $1,886 per year, or about $157 per month, to insure a 2020 Acura ILX with full coverage and $500 physical damage deductibles.

How much is insurance for a 2019 Acura ILX?

For the 2019 model year, expect to pay around $1,850 per year, or about $154 per month, for full coverage with $500 physical damage deductibles.

How much does insurance cost for a 2018 Acura ILX?

For the average driver, plan pay around $1,756 per year, or about $146 per month, to insure a 2018 Acura ILX with full coverage and $500 physical damage deductibles.