2017 GMC Acadia Insurance Rates
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UPDATED: Nov 29, 2021
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Average insurance rates for a 2017 GMC Acadia are $1,256 a year for full coverage insurance. Comprehensive insurance costs approximately $250 a year, collision costs $418, and liability insurance costs around $430. Buying a liability-only policy costs as low as $486 a year, with high-risk insurance costing $2,712 or more. Teenage drivers receive the highest rates at $4,794 a year or more.
Annual premium for full coverage: $1,256
Rate estimates for 2017 GMC Acadia Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 middle-aged driver, prices range go from as low as $486 for basic liability insurance to a high of $2,712 for a high risk driver.
These differences illustrate why it is important for drivers to compare prices using their specific location and risk profile, rather than relying 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 2017 GMC Acadia Insurance
Trying to find cheaper auto insurance rates for your GMC Acadia? Shopping online for auto insurance is challenging if you’re new to online quotes. But don’t let that discourage you because online price shopping is actually quite simple.
It’s smart to get comparison quotes yearly due to the fact that insurance rates change regularly. Despite the fact that you may have had the lowest rates on Acadia insurance on your last policy you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about auto insurance online but I’m going to show you some good information on how to find cheap auto insurance.
Choosing the best insurance company for you is quite easy. If you have car insurance now, you will be able to save some money using these methods. Nevertheless, consumers do need to understand how insurance companies sell insurance online because it can help you find the best coverage.
Comprehensive Auto Insurance Comparison
When shopping for auto insurance there are multiple ways of comparing rates from different insurance companies. One of the best ways to find the cheapest 2017 GMC Acadia insurance rates is simply to get online rate quotes. This can be done using a couple different methods.
One simple form gets you price quotes from several companies. Recommended for those who want to invest the least amount of time.
A different way to shop for auto insurance online is going to the website for each individual company and complete a new quote form. For sake of this example, let’s assume you want comparison quotes from USAA, State Farm and Travelers. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular.
It’s up to you how you get prices quotes, just double check that you are using exactly the same coverages and limits for each comparison quote. If you use unequal deductibles or liability limits it’s impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages can result in a big premium difference. It’s important to know that having more price comparisons will improve the odds of getting lower pricing.
Lots of discounts mean lots of savings
Companies that sell car insurance don’t necessarily list every discount very clearly, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.
- Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiring. The savings is around 10%.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts up to 30%.
- Discount for Life Insurance – Larger companies have better rates if you take out life insurance from them.
- Military Discounts – Being on active duty in the military may qualify for rate reductions.
- Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
Consumers should know that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.
Situations that might require an agent
When buying coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.
For example, these questions could help you determine whether your personal situation might need professional guidance.
- Why am I required to buy liability insurance?
- What is medical payments coverage?
- I have a DUI can I still get coverage?
- Can my teen drive my company car?
- Can I afford to pay high deductible claims out of pocket?
- If my pet gets injured in an accident are they covered?
- Does my liability insurance cover pulling a trailer or camper?
- Do I get a pro-rated refund if I cancel my policy early?
If you can’t answer these questions, then you may want to think about talking to an agent.
Auto insurance coverages
Learning about specific coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Collision – This covers damage to your Acadia from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your GMC Acadia.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive coverages – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a bird, vandalism and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for things like surgery, ambulance fees and pain medications. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Auto liability insurance – This provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for things like funeral expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.
Rates by U.S. City
|New York City, NY||$1,986|
|Los Angeles, CA||$2,148|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$88|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.