- The average Acura ILX insurance cost is $2,014 per year, or $168 per month for full coverage.
- When compared to the entire midsize luxury car segment, the Acura ILX ranks first out of 38 total comparison vehicles.
- With the cheapest Acura ILX insurance rates, the base Sedan model costs an average of $1,946 per year to insure.
- At the high end, the ILX Technology A-Spec Sedan is the most expensive to insure at $2,120 for an annual policy.
How much does Acura ILX car insurance cost?
Car insurance for an Acura ILX costs an average of $2,014 per year for a policy with full coverage. Average monthly insurance cost on an ILX ranges from $162 to $177, depending on the trim level.
Drivers can expect to pay around $873 less each year to insure an Acura ILX compared to the average rate for midsize luxury sedans, and $262 less per year than the overall national average of $2,276.
The chart below demonstrates average car insurance rates for an Acura ILX using variations of driver age and risk profiles.
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 $14,409 a year for full coverage. New York City car insurance could be even as high as $15,832!
How does Acura ILX insurance cost compare?
When rates are compared to other midsize luxury cars, car insurance for a Acura ILX costs $564 less per year than the Lexus ES 350, $698 less than the BMW 530i, $1,068 less than the Infiniti Q50, and $540 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 $2,014 per year to insure, while the category average cost is $2,887 per year, a difference of $873 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura ILX | $2,014 | -- |
| 2 | Lexus RC 300 | $2,428 | $414 |
| 3 | Mercedes-Benz AMG CLA35 | $2,484 | $470 |
| 4 | BMW i4 | $2,498 | $484 |
| 5 | Cadillac CT5 | $2,504 | $490 |
| 6 | Audi A3 | $2,530 | $516 |
| 7 | Mercedes-Benz AMG CLA45 | $2,542 | $528 |
| 8 | Mercedes-Benz CLA250 | $2,554 | $540 |
| 9 | Lexus ES 250 | $2,564 | $550 |
| 10 | Lexus IS 300 | $2,570 | $556 |
| 11 | Lexus ES 350 | $2,578 | $564 |
| 12 | Audi S5 | $2,662 | $648 |
| 13 | Audi S4 | $2,674 | $660 |
| 14 | BMW 530i | $2,712 | $698 |
| 15 | Lexus ES 300h | $2,724 | $710 |
| 16 | Genesis G80 | $2,738 | $724 |
| 17 | Mercedes-Benz E350 | $2,740 | $726 |
| 18 | BMW 530e | $2,768 | $754 |
| 19 | BMW 540i | $2,774 | $760 |
| 20 | BMW M440i | $2,784 | $770 |
| 21 | Mercedes-Benz E450 | $2,798 | $784 |
| 22 | Audi A6 | $2,872 | $858 |
| 23 | Jaguar XF | $2,878 | $864 |
| 24 | Lexus IS 500 | $2,916 | $902 |
| 25 | BMW 430i | $2,944 | $930 |
| 26 | Mercedes-Benz CLS450 | $2,966 | $952 |
| 27 | Infiniti Q50 | $3,082 | $1,068 |
| 28 | Audi RS 5 | $3,112 | $1,098 |
| 29 | Mercedes-Benz AMG C43 | $3,140 | $1,126 |
| 30 | Audi S6 | $3,156 | $1,142 |
| 31 | Mercedes-Benz AMG C63 | $3,236 | $1,222 |
| 32 | Audi A7 | $3,330 | $1,316 |
| 33 | BMW M550i | $3,360 | $1,346 |
| 34 | Lexus LC 500h | $3,430 | $1,416 |
| 35 | Tesla Model S | $3,492 | $1,478 |
| 36 | Audi S7 | $3,610 | $1,596 |
| 37 | BMW M8 | $3,744 | $1,730 |
| 38 | BMW M5 | $3,786 | $1,772 |
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 October 24, 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 $516 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 $540 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 $556 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 $550 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 $1,946 to $2,120 annually on average, the cheapest model to insure is the ILX Sedan. The second cheapest model to insure is the Premium Sedan at $1,972 per year. On average, plan on paying at a bare minimum $162 per month to insure an ILX for full coverage.
The most expensive ILX models to insure are the Technology A-Spec Sedan at $2,120 and the Premium A-Spec Sedan at $2,018 per year. Those two models will cost an extra $174 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Sedan | $1,946 | $162 |
| Premium Sedan | $1,972 | $164 |
| Premium A-Spec Sedan | $2,018 | $168 |
| Technology A-Spec Sedan | $2,120 | $177 |
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 October 24, 2025
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 $2,014 per year with rates ranging from $1,946 per year for the ILX Sedan to $2,120 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 $168 for full coverage. Rates range from around $140 per month for a 60-year-old drive to $336 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 $852 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 $2,422, or around $202 per month. California car insurance rates are $408 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 $2,014 per year to insure a Acura ILX, while the average rate for the entire midsize luxury car segment is $2,887.
How much does insurance cost for a 2020 Acura ILX?
For an average driver, expect to pay around $1,932 per year, or about $161 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 $1,894 per year, or about $158 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 $1,796 per year, or about $150 per month, to insure a 2018 Acura ILX with full coverage and $500 physical damage deductibles.