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2012 GMC Acadia Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2012 GMC Acadia are $1,106 a year for full coverage. Comprehensive insurance costs around $196, collision costs $292, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,382 or more. Teen drivers receive the highest rates at $4,358 a year or more.

Annual premium for full coverage: $1,106

Rate estimates for 2012 GMC Acadia Insurance

Comprehensive $196
Collision $292
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 GMC Acadia models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $510 for just liability insurance to the much higher price of $2,382 for high-risk insurance.

Liability Only $510
Full Coverage $1,106
High Risk $2,382

View Chart as Image

2012 GMC Acadia insurance rates compared
Column chart showing 2012 GMC Acadia insurance prices range from $661 to $4,358 for full coverage

These differences show why everyone should compare prices for a specific zip code and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 GMC Acadia Insurance

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GMC Acadia insurance

Scraping up a payment for overpriced GMC Acadia insurance can drain your bank account, especially in this economy. Shopping your coverage around is a great way to cut your insurance bill. Since consumers have many different company options, it can be challenging to locate the cheapest provider.

Consumers need to do rate comparisons periodically since insurance rates change quite often. Just because you had the lowest rates for Acadia coverage last year you can probably find a better price now. There is too much inaccurate information about insurance coverage online but we’re going to give you some solid techniques on how to stop overpaying for insurance.

Auto Insurance Comparison Rates

All the larger auto insurance companies give prices for coverage online. Getting online quotes is quite easy as you simply type in your coverage preferences as detailed in the form. After you submit the form their rating system sends out for information on your driving record and credit history and quotes a price based on many factors. Online quotes simplifies rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms gets old quite quickly. But it’s absolutely necessary to perform this step if you are searching for the lowest possible prices on auto insurance.

Rate comparisons made easy

The quickest way to find better auto insurance pricing is to use a quote form that obtains quotes from several different companies. The form is fast, requires less work, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick any or none of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase the new policy. This process only takes a few minutes and could lower your rates considerably.

To find out how much you’re overpaying now, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you complete the form with the insurance coverages as shown on your current policy. This helps ensure you’re receiving comparison quotes for the exact same coverage.

Are you falling for claims of savings?

Consumers constantly see and hear ads for cheaper car insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you move to them.

How do they all claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the type of driver that is profitable for them. An example of a profitable customer could possibly be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet the requirements must pay higher rates and ends up with business not being written. Company advertisements say “customers who switch” not “people who quote” save that kind of money. This is how insurance companies can make those claims. This illustrates why it’s extremely important to compare as many rates as you can. Because you never know the company that will have the lowest GMC Acadia insurance rates.

You probably qualify for some discounts

Car insurance companies don’t necessarily list every available discount very well, so we break down both the well known and also the lesser-known savings tricks you should be using. If you don’t get every credit possible, you’re paying more than you need to.

  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply until age 25.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates for Acadia coverage.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you could get a free insurance policy, insurance companies aren’t that generous.

There’s no such thing as the perfect policy

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when pulling a rental trailer?
  • Is my 2012 GMC Acadia covered for smoke damage?
  • Am I covered when driving in Canada or Mexico?
  • Does my personal policy cover me when driving out-of-state?
  • Do I have any recourse if my insurance company denies a claim?
  • If my 2012 GMC Acadia is totaled, can I afford another vehicle?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Parts of your insurance policy

Having a good grasp of your insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Auto liability

Liability insurance protects you from damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for bills for ambulance fees, dental work and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2012 GMC Acadia.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

Collision insurance pays for damage to your Acadia resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Stretch your dollar

Throughout this article, we presented a lot of techniques to save on 2012 GMC Acadia insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the lowest priced insurance coverage comes from some of the smallest insurance companies. They often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There have been many situations where an insured cut liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

To read more, feel free to visit these articles:

  • What is Full Coverage? (Allstate)
  • Who Has Cheap Riverside Auto Insurance Rates for a GMC Acadia? (QuoteRiverside.com)
  • What is Covered by GAP Insurance? (Allstate)
  • Booster Seat Ratings (iihs.org)
  • What is a Telematics Device? (Allstate)

Rates by U.S. City

2012 GMC Acadia Insurance Rates by City
City Premium
New York City, NY $1,746
Los Angeles, CA $1,890
Philadelphia, PA $1,478
Jacksonville, FL $1,605
Phoenix, AZ $1,285
Chicago, IL $1,480
Houston, TX $1,732
Seattle, WA $1,079
Columbus, OH $924
Indianapolis, IN $940

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 GMC Acadia Insurance Rates by Driver Age
Driver Age Premium
16 $4,358
20 $2,536
30 $1,132
40 $1,106
50 $1,012
60 $992

Full coverage, $500 deductibles

Rates by Deductible

2012 GMC Acadia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,316
$250 $1,220
$500 $1,106
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

GMC Acadia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,106
50/100 $1,198
100/300 $1,313
250/500 $1,612
100 CSL $1,244
300 CSL $1,497
500 CSL $1,681

Full coverage, driver age 40

Rates for High Risk Drivers

2012 GMC Acadia Insurance Rates for High Risk Drivers
Age Premium
16 $6,160
20 $4,038
30 $2,412
40 $2,382
50 $2,278
60 $2,256

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 $150

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $71
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $76
Total Discounts $445
Rate after discounts $661

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 GMC Acadia Insurance Rates by State
State Premium
Alabama $1,002
Alaska $848
Arizona $918
Arkansas $1,106
California $1,260
Colorado $1,058
Connecticut $1,138
Delaware $1,252
Florida $1,384
Georgia $1,020
Hawaii $792
Idaho $748
Illinois $822
Indiana $832
Iowa $744
Kansas $1,050
Kentucky $1,510
Louisiana $1,634
Maine $682
Maryland $912
Massachusetts $884
Michigan $1,920
Minnesota $926
Mississippi $1,322
Missouri $980
Montana $1,186
Nebraska $872
Nevada $1,328
New Hampshire $798
New Jersey $1,238
New Mexico $980
New York $1,164
North Carolina $636
North Dakota $904
Ohio $764
Oklahoma $1,136
Oregon $1,012
Pennsylvania $1,056
Rhode Island $1,476
South Carolina $1,002
South Dakota $934
Tennessee $968
Texas $1,332
Utah $820
Vermont $756
Virginia $662
Washington $856
West Virginia $1,012
Wisconsin $766
Wyoming $986

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