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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 30, 2021

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GMC Acadia insurance
Car insurance is expensive. GMC Acadia insurance rates are generally $1,294 a year or $107 a month. If you need help finding an insurer or want to better understand how insurers calculate insurance on GMC Acadias, you’ve come to the right place.

Our guide goes over GMC Acadia insurance rates, safety ratings, average purchase prices, and more. Want to start finding insurance for GMC Acadias today? Enter your ZIP code in our free tool above.

Average insurance rates for a GMC Acadia are $1,256 a year for full coverage. Comprehensive costs on average $250 a year, collision costs $418, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,712. Teen drivers receive the highest rates at $4,794 a year or more.

Average premium for full coverage: $1,256

Rate estimates by individual coverage type:

Comprehensive $250
Collision $418
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Acadia trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $2,712 for a high risk driver.

Liability Only $486
Full Coverage $1,256
High Risk $2,712

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

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

Insurance Rate Analysis

The chart below shows estimated GMC Acadia insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $734
  • Drivers who choose higher $1,000 deductibles will pay around $1,104 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,256
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,552
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,712 or more
  • The cost for full coverage for a teen driver may cost $4,794 a year

View Chart as Image

GMC Acadia insurance cost comparison chart
Column chart showing full coverage GMC Acadia insurance rates range from $734 to $4,794

for a GMC Acadia can also vary considerably based on your driver profile, the trim level of your Acadia, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in GMC Acadia insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,790 on average in Michigan, Louisiana, and New York.

GMC Acadia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,136 -$120 -9.6%
Alaska $964 -$292 -23.2%
Arizona $1,044 -$212 -16.9%
Arkansas $1,256 -$0 0.0%
California $1,432 $176 14.0%
Colorado $1,202 -$54 -4.3%
Connecticut $1,294 $38 3.0%
Delaware $1,424 $168 13.4%
Florida $1,572 $316 25.2%
Georgia $1,160 -$96 -7.6%
Hawaii $902 -$354 -28.2%
Idaho $850 -$406 -32.3%
Illinois $936 -$320 -25.5%
Indiana $948 -$308 -24.5%
Iowa $848 -$408 -32.5%
Kansas $1,196 -$60 -4.8%
Kentucky $1,714 $458 36.5%
Louisiana $1,862 $606 48.2%
Maine $774 -$482 -38.4%
Maryland $1,038 -$218 -17.4%
Massachusetts $1,006 -$250 -19.9%
Michigan $2,184 $928 73.9%
Minnesota $1,052 -$204 -16.2%
Mississippi $1,506 $250 19.9%
Missouri $1,116 -$140 -11.1%
Montana $1,352 $96 7.6%
Nebraska $992 -$264 -21.0%
Nevada $1,506 $250 19.9%
New Hampshire $906 -$350 -27.9%
New Jersey $1,406 $150 11.9%
New Mexico $1,112 -$144 -11.5%
New York $1,324 $68 5.4%
North Carolina $724 -$532 -42.4%
North Dakota $1,030 -$226 -18.0%
Ohio $868 -$388 -30.9%
Oklahoma $1,292 $36 2.9%
Oregon $1,152 -$104 -8.3%
Pennsylvania $1,200 -$56 -4.5%
Rhode Island $1,676 $420 33.4%
South Carolina $1,138 -$118 -9.4%
South Dakota $1,062 -$194 -15.4%
Tennessee $1,102 -$154 -12.3%
Texas $1,516 $260 20.7%
Utah $932 -$324 -25.8%
Vermont $862 -$394 -31.4%
Virginia $752 -$504 -40.1%
Washington $972 -$284 -22.6%
West Virginia $1,152 -$104 -8.3%
Wisconsin $872 -$384 -30.6%
Wyoming $1,120 -$136 -10.8%

View Chart as Image

GMC Acadia insurance rates by U.S. city

Choosing high deductibles could save up to $450 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

GMC Acadia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Acadia SL 2WD $1,178 $98
GMC Acadia SL AWD $1,228 $102
GMC Acadia SLE 2WD $1,228 $102
GMC Acadia SLE AWD $1,268 $106
GMC Acadia SLT 2WD $1,268 $106
GMC Acadia SLT AWD $1,308 $109

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

GMC Acadia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 GMC Acadia $250 $418 $430 $1,256
2014 GMC Acadia $210 $316 $460 $1,144
2012 GMC Acadia $190 $272 $464 $1,084
2011 GMC Acadia $184 $254 $474 $1,070
2009 GMC Acadia $166 $214 $478 $1,016
2008 GMC Acadia $156 $196 $474 $984

Rates are averaged for all GMC Acadia models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper GMC Acadia Insurance

Saving money on GMC Acadia insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $450 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $400 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,460 more each year for insurance

By getting insurance quotes for multiple insurance companies and increasing your deductible, you could save as much as $650 a year. So if you can’t decide between Progressive insurance or Allstate insurance, the best thing to do is get quotes.

Ready to start shopping for GMC Acadia car insurance and find out what determines the price of car insurance? Enter your ZIP code in our free tool below.

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GMC Acadia Size and Class and Liability Insurance

What does liability insurance cover? Liability insurance pays for other drivers’ medical bills and property damage after an accident you caused, so vehicles that are high risk will cost more to insure. What vehicles count as high risk when it comes to liability insurance?

Any vehicle that is heavy, large, or crashes easily, as these vehicles are a risk to other vehicles. While the plus side is that you are safer in a larger or heavier vehicle, the downside is that other drivers are more likely to be hurt if you crash.

So what is the GMC Acadia’s size and class? The GMC Acadia is a midsize SUV, which means it is a sturdy car. You might also ask, does the GMC Acadia have 3rd-row seating? Cars with 3rd-row seating are larger. While the GMC Acadia has 3rd-row seating, it is still considered medium size for an SUV.

One of the best ways to tell if the GMC Acadia is a high-risk vehicle, though, is to look at the Insurance Institute for Highway Safety’s (IIHS) data on insurance losses by make and model.

The first set of losses below is for the GMC’s bodily injury losses.

  • GMC Acadia 4dr: -9 percent (average)
  • GMC Acadia 4dr 4WD: -27 percent (better than average)

Both of the losses are in the negative, which is great. The losses for property damage are also good, as you can see below.

  • GMC Acadia 4dr: -5 percent (average)
  • GMC Acadia 4dr 4WD: -9 percent (average)

While the losses are negative for the GMC Acadia, they are still considered average for midsize SUVs. So you will likely have a normal rate that is comparable to other midsize SUVs.

GMC Acadia Cost of Liability Insurance

We pulled sample rates from Geico for a 40-year-old male driver who travels 13,000 miles a year, has a clean driving record, and owns his 2020 GMC Acadia SL. Take a look at the prices for bodily injury coverage below (based on a six-month policy period).

  • Low ($15,000/$30,000): $41.15
  • Medium ($100,000/$200,000): $84.35
  • High ($500,000/$500,000): $135.79

It costs just under $100 to upgrade your bodily coverage from low to high, which is on the pricier side. Luckily, the price increases for property damage are lower, so it helps balance out the higher cost of bodily injury coverage.

  • Low ($5,000): $437.46
  • Medium ($20,000): $466.84
  • High ($100,000): $488.31

It costs $51 to upgrade your low coverage to high, which is less than $10 a month. Overall, the liability rates aren’t bad for a GMC Acadia, so you shouldn’t have any unpleasant surprises when you shop for insurance.

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GMC Acadia Safety Features and Ratings

According to USNews, the 2020 GMC Acadia has the following standard safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Cross-Traffic Alert

When you sign up with an insurer, make sure that you are getting all the possible discounts for your safety features. Another vehicle factor that can earn you a discount is the crash test rating of your vehicle. Below are the IIHS’s crash test ratings for the 2020 GMC Acadia.

  • Small overlap front (driver-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating possible, so the GMC Acadia did great. Watch the video below for an example of the GMC Acadia’s crash test.

In general, SUVs do better in crashes than cars or pickups. In fact, the IIHS’s fatality data showed that for driver fatalities per million vehicles there were 23 SUV fatalities, 34 pickup fatalities, and 48 car fatalities. All occupants per million vehicles showed similar numbers, as there were 32 SUV fatalities, 42 pickup fatalities, and 69 car fatalities.

In total, there were 5,035 SUV fatalities, which was fewer than car fatalities (13,138), although slightly more than pickup fatalities (4,369). The SUV fatalities are broken up by crash type below.

  • Frontal Impact: 2,784 fatalities
  • Side Impact: 930 fatalities
  • Rear Impact: 286 fatalities
  • Other (mostly rollovers): 1,035 fatalities

The SUV is a safer vehicle, so don’t be put off by the fatalities above, as SUVs have fewer fatalities than cars.

GMC Acadia Manufacturer Suggested Retail Price

Insurers usually always refer to the manufacturer’s suggested retail price (MSRP) when they calculate collision and comprehensive losses. Why? The MSRP is a good indicator of how much it will cost to repair or replace a vehicle. Because collision and comprehensive coverage pay for your vehicle repairs after an accident, these are the two coverages most affected.

Kelley Blue Book (KBB) listed the following MSRP and market prices for the 2020 GMC Acadia SL.

  • MSRP: $30,995
  • Invoice Price: $30,965
  • Fair Purchase Price: $29,200
  • Fair Market Range: $28,072 – $30,327

The MSRP is on the higher end, so you will likely have slightly higher rates. This is normal anytime you buy a more expensive vehicle. However, one thing that can help offset your higher rates is the losses for both collision and comprehensive insurance.

Take a look at the IIHS’s data on collision losses below.

  • GMC Acadia 4dr: -4 percent (average)
  • GMC Acadia 4dr 4WD: -4 percent (average)

Even though these losses are considered average for midsize SUVs, they are in the negative, which is good. The comprehensive losses are also good.

  • GMC Acadia 4dr: -27 percent (better than average)
  • GMC Acadia 4dr 4WD: -14 percent (average)

Because the GMC Acadia has decent losses, you should have decent rates. Use our free quote tool below to find which car insurance company is the cheapest.

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GMC Acadia Repair Costs

Is the GMC Acadia a good car? How many miles do the GMC Acadias last? These are questions you should be asking when you shop for a new car. A car that breaks down after a hundred thousand miles or has engine problems isn’t a good car.

So what problems do GMC Acadias have? Unfortunately, RepairPal’s reliability rating of the GMC Acadia is only three out of five. This is because the average annual repair cost of the GMC Acadia is $734, which is more than average annual repair costs for midsize SUVs ($573).

Another important question you can ask when shopping for a car is looking up to see if a vehicle is being discontinued, as it suggests there may be issues with the vehicle. Is the GMC Acadia being discontinued? Luckily, the GMC Acadia is not being discontinued, so there aren’t any red flags yet.

So keep in mind that you may need to budget more for repair costs if you own a GMC Acadia. Keeping your rates low by shopping around for insurance will help if you need to spend more on repairs.

Hopefully, our guide has helped you gain a better understanding of GMC Acadia insurance rates. You can also use our site to research other questions, such as finding out which is better, Traverse or Acadia. If you are ready to start shopping for insurance on a GMC Acadia, enter your ZIP code in our free tool.

Rates by Driver Age

GMC Acadia Insurance Rates by Driver Age
Driver Age Premium
16 $4,794
20 $2,892
30 $1,300
40 $1,256
50 $1,150
60 $1,126

Full coverage, $500 deductibles

Rates by Deductible

GMC Acadia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,552
$250 $1,414
$500 $1,256
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

GMC Acadia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,256
50/100 $1,394
100/300 $1,502
250/500 $1,781
100 CSL $1,437
300 CSL $1,674
500 CSL $1,846

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Acadia Insurance Rates for High Risk Drivers
Age Premium
16 $6,812
20 $4,602
30 $2,762
40 $2,712
50 $2,590
60 $2,566

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $88
5-yr Claim Free $80
Paid in Full/EFT $54
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $734

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

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