1. Vehicles
  2. GMC
  3. Acadia
  4. 2016 Model Year

2016 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 ...

Full Bio →

Written by

UPDATED: Nov 30, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2016 GMC Acadia are $1,242 a year with full coverage. Comprehensive costs an estimated $238, collision costs $404, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,686. Teenage drivers receive the highest rates at $4,778 a year or more.

Annual premium for full coverage: $1,242

Rate estimates for 2016 GMC Acadia Insurance

Comprehensive $238
Collision $404
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 $496 for the bare minimum liability coverage to the much higher price of $2,686 for high-risk insurance.

Liability Only $496
Full Coverage $1,242
High Risk $2,686

View Chart as Image

2016 GMC Acadia insurance rates compared
Column chart showing 2016 GMC Acadia insurance prices range from $726 to $4,778 for full coverage

These differences demonstrate why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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 2016 GMC Acadia Insurance

Searching Companies

Looking for lower auto insurance rates for your GMC Acadia? When trying to find cheaper insurance, are you overwhelmed by the crazy number of auto insurance sources that you can choose from? There are so many choices that it can be a difficult mission to find a more affordable company.

You should take the time to shop coverage around before your next renewal due to the fact that insurance prices are constantly changing. Just because you had the best rates for Acadia insurance a year ago a different company probably has better premium rates today. Forget all the misinformation about auto insurance because you’re about to learn the best way to save money, get proper coverage and the best rates.

How to buy auto insurance online

The are a couple different ways of comparing rate quotes from different companies. The best way to find the cheapest GMC Acadia insurance rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This type of form eliminates the need for separate forms to each individual auto insurance company. One form submission will return quotes from several companies. Just one form and you’re done.
  2. A harder way to analyze rates is spending the time to visit each company’s website and repeat the quote process again and again. For examples sake, let’s say you want to get rates from State Farm, Safeco and Travelers. In order to compare rates, you need to go to every website and enter your policy data, which is why first method is reommended.
  3. The last method to comparison shop rate quotes is to spend time driving to different agent offices. The internet can eliminate the need for a local agent unless you want the professional advice that can only be provided by a licensed insurance agent. It is possible with some companies comparison shop your insurance online but buy the policy through an agent.

The method you choose is up to you, but make absolute certain that you use apples-to-apples coverage limits and deductibles on every price quote you get. If your comparisons have mixed coverages you will not be able to find the best deal for your GMC Acadia. Having just a slight variation in insurance coverages or limits could skew the results. And when comparing auto insurance rates, know that comparing more company’s prices helps you find more affordable rates. Not every company allows you to get online price quotes, so it’s necessary to compare prices from them as well.

Take these seven policy discounts and save

Car insurance companies do not advertise every possible discount very clearly, so we break down both the well known and the more hidden credits available to bring down your rates.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Buy New and Save – Insuring a new car is cheaper because new vehicles keep occupants safer.
  • Low Mileage – Low annual miles could qualify for discounted rates on garaged vehicles.
  • Student in College – Older children who are attending college and won’t have access to an insured vehicle may be able to be covered for less.
  • Paper-free Discount – A handful of larger companies provide a small discount simply for signing on the web.
  • Theft Prevention System – Cars and trucks with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Pay Early and Save – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.

You should keep in mind that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, auto insurance companies aren’t that generous. But all discounts will cut your auto insurance premiums.

Which policy gives me the best coverage?

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

These are some specific questions might point out whether or not you would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • Why am I required to buy high-risk coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can my babysitter drive my car?
  • Is my cargo covered for damage or theft?
  • When should I buy a commercial auto policy?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage options for a 2016 GMC Acadia

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance

This will cover damage or injury you incur to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as funeral expenses, structural damage and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like rehabilitation expenses, ambulance fees, X-ray expenses and hospital visits. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, crashing into a building, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Acadia.

Since a lot of 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 is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Knowledge is power

Some insurance companies may not offer the ability to get a quote online and usually these smaller companies work with independent agents. Discount 2016 GMC Acadia insurance can be sourced on the web and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates.

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including being labeled a high risk driver, policy cancellation, questionable increases in premium or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

More tips and info about insurance can be read in the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 GMC Acadia Insurance Rates by City
City Premium
New York City, NY $1,965
Los Angeles, CA $2,121
Philadelphia, PA $1,660
Jacksonville, FL $1,800
Phoenix, AZ $1,445
Chicago, IL $1,663
Houston, TX $1,945
Seattle, WA $1,212
Columbus, OH $1,038
Indianapolis, IN $1,055

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 GMC Acadia Insurance Rates by Driver Age
Driver Age Premium
16 $4,778
20 $2,862
30 $1,284
40 $1,242
50 $1,138
60 $1,114

Full coverage, $500 deductibles

Rates by Deductible

2016 GMC Acadia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,522
$250 $1,392
$500 $1,242
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

GMC Acadia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,242
50/100 $1,330
100/300 $1,441
250/500 $1,728
100 CSL $1,375
300 CSL $1,618
500 CSL $1,795

Full coverage, driver age 40

Rates for High Risk Drivers

2016 GMC Acadia Insurance Rates for High Risk Drivers
Age Premium
16 $6,786
20 $4,560
30 $2,732
40 $2,686
50 $2,566
60 $2,542

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $53
Advance Quote $59
Online Quote $87
Total Discounts $516
Rate after discounts $726

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

Find companies with the cheapest rates in your area

2016 GMC Acadia Insurance Rates by State
State Premium
Alabama $1,122
Alaska $954
Arizona $1,032
Arkansas $1,242
California $1,414
Colorado $1,186
Connecticut $1,276
Delaware $1,404
Florida $1,552
Georgia $1,148
Hawaii $892
Idaho $840
Illinois $924
Indiana $934
Iowa $836
Kansas $1,182
Kentucky $1,694
Louisiana $1,840
Maine $766
Maryland $1,026
Massachusetts $994
Michigan $2,158
Minnesota $1,038
Mississippi $1,488
Missouri $1,100
Montana $1,334
Nebraska $978
Nevada $1,488
New Hampshire $894
New Jersey $1,388
New Mexico $1,100
New York $1,310
North Carolina $714
North Dakota $1,016
Ohio $858
Oklahoma $1,276
Oregon $1,138
Pennsylvania $1,186
Rhode Island $1,656
South Carolina $1,124
South Dakota $1,048
Tennessee $1,090
Texas $1,496
Utah $920
Vermont $850
Virginia $744
Washington $962
West Virginia $1,138
Wisconsin $860
Wyoming $1,108

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles