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2013 GMC Acadia Insurance Rates

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

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 2013 GMC Acadia are $1,144 a year for full coverage. Comprehensive insurance costs around $210 a year, collision insurance costs $316, and liability insurance costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,466 or more. Teen drivers receive the highest rates at up to $4,480 a year.

Annual premium for full coverage: $1,144

Rate estimates for 2013 GMC Acadia Insurance

Comprehensive $210
Collision $316
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 the average driver, prices range range from as low as $510 for just liability coverage to a high of $2,466 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,144
High Risk $2,466

View Chart as Image

2013 GMC Acadia insurance rates compared
Column chart showing 2013 GMC Acadia insurance prices range from $681 to $4,480 for full coverage

These differences show why it is important for drivers to compare rates 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 2013 GMC Acadia Insurance

Searching Companies

Searching for the cheapest insurance coverage rates for your GMC Acadia? Cutting costs on insurance coverage can be challenging for beginners to comparing rates online. You have so many choices that it can be a real challenge to find the best price.

It’s a good habit to get comparison quotes once or twice a year because rates trend upward over time. Just because you had the best price on Acadia coverage on your last policy the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the right way to find lower rates on insurance coverage.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but there could be available discounts to help offset the cost. Most are applied at quote time, but a few need to be inquired about before they will apply.

  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Acadia coverage than their less cautious counterparts.
  • Save over 55 – Older drivers may receive a small decrease in premiums on Acadia coverage.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Memberships – Being a member of certain professional organizations may earn a discount when buying car insurance on Acadia coverage.
  • Paperless Signup – A few companies give back up to $50 just for signing your application digitally online.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on Acadia coverage with certain companies.
  • Accident Waiver – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will bring down the cost of coverage.

Save 15 percent in 15 minutes? Is it for real?

Insurance coverage companies such as State Farm and Allstate regularly use television and radio advertisements. They all seem to make the same claim about savings if you move your coverage to them. How do they all make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. A good example of a preferred risk could be between 30 and 50, owns a home, and has excellent credit. Any driver who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential customers who fall outside the “perfect” profile will be charged higher prices which leads to business not being written. Company advertisements say “people who switch” not “people who quote” save money. This is how companies can make the claims of big savings.

That is why it is so important to compare as many rates as you can. You cannot predict which company will fit your personal profile best.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Can my babysitter drive my car?
  • What is the difference between comprehensive and collision coverage?
  • Does having multiple vehicles earn me a discount?
  • I have a DUI can I still get coverage?
  • Is my teen driver covered when they drive my company car?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I rate my 2013 GMC Acadia as pleasure use or commute?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, fire damage, rock chips in glass, damage from getting keyed and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills such as funeral costs, hospital visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your Acadia resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, scraping a guard rail, colliding with a tree, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your GMC Acadia.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.


This provides protection from damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, emergency aid and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

More choices the merrier

When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many situations where someone sacrificed full coverage only to discover later that they should have had better coverage. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Discount 2013 GMC Acadia insurance is definitely available from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

In this article, we covered a lot of techniques to lower your insurance rates. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the biggest savings come from the least-expected company.

Additional detailed information is available at these sites:

Rates by U.S. City

2013 GMC Acadia Insurance Rates by City
City Premium
New York City, NY $1,809
Los Angeles, CA $1,956
Philadelphia, PA $1,529
Jacksonville, FL $1,661
Phoenix, AZ $1,330
Chicago, IL $1,534
Houston, TX $1,794
Seattle, WA $1,116
Columbus, OH $956
Indianapolis, IN $972

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 GMC Acadia Insurance Rates by Driver Age
Driver Age Premium
16 $4,480
20 $2,624
30 $1,174
40 $1,144
50 $1,048
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

2013 GMC Acadia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,374
$250 $1,268
$500 $1,144
$1,000 $1,024

Full coverage, driver age 40

Rates by Liability Limit

GMC Acadia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,144
50/100 $1,236
100/300 $1,351
250/500 $1,650
100 CSL $1,282
300 CSL $1,535
500 CSL $1,719

Full coverage, driver age 40

Rates for High Risk Drivers

2013 GMC Acadia Insurance Rates for High Risk Drivers
Age Premium
16 $6,338
20 $4,180
30 $2,502
40 $2,466
50 $2,358
60 $2,336

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $463
Rate after discounts $681

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

Find companies with the cheapest rates in your area

2013 GMC Acadia Insurance Rates by State
State Premium
Alabama $1,036
Alaska $876
Arizona $950
Arkansas $1,144
California $1,304
Colorado $1,094
Connecticut $1,178
Delaware $1,296
Florida $1,432
Georgia $1,056
Hawaii $822
Idaho $774
Illinois $852
Indiana $860
Iowa $772
Kansas $1,088
Kentucky $1,562
Louisiana $1,692
Maine $708
Maryland $946
Massachusetts $916
Michigan $1,988
Minnesota $958
Mississippi $1,372
Missouri $1,014
Montana $1,230
Nebraska $904
Nevada $1,374
New Hampshire $826
New Jersey $1,280
New Mexico $1,014
New York $1,206
North Carolina $658
North Dakota $938
Ohio $790
Oklahoma $1,176
Oregon $1,048
Pennsylvania $1,092
Rhode Island $1,528
South Carolina $1,036
South Dakota $968
Tennessee $1,002
Texas $1,380
Utah $848
Vermont $784
Virginia $686
Washington $886
West Virginia $1,048
Wisconsin $794
Wyoming $1,020

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