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GMC Acadia Insurance Rates

GMC Acadia insurance

Estimated insurance rates for a GMC Acadia are $1,232 a year for full coverage insurance. Comprehensive insurance costs on average $280 a year, collision insurance costs $446, and liability insurance costs $354. A liability-only policy costs as little as $416 a year, and high-risk insurance costs $2,636 or more. Teen drivers pay the most at up to $4,548 a year.

Average premium for full coverage: $1,232

Premium estimates by type of coverage:

Comprehensive $280
Collision $446
Liability $354

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Acadia trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a GMC Acadia range from as low as $416 for just the minimum liability insurance to a high of $2,636 for coverage for higher-risk drivers.

Liability Only $416
Full Coverage $1,232
High Risk $2,636

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $924
Small Cities $1,294
Large Cities $1,663

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

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Additional Rate Analysis

The chart below illustrates average GMC Acadia insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $721
  • Drivers who choose higher $1,000 deductibles will pay around $1,066 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,232
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $316 a year
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,636
  • An auto insurance policy for full coverage for a teen driver may cost $4,548 a year

View Chart as Image

GMC Acadia insurance cost comparison chart
Column chart showing GMC Acadia insurance prices range from $721 to $4,548 for full coverage

Auto insurance prices for a GMC Acadia also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Acadia insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,850 on average in Michigan, New York, and Florida.

GMC Acadia Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,180-$52-4.2%
Alaska$1,010-$222-18.0%
Arizona$1,234$20.2%
Arkansas$1,246$141.1%
California$1,380$14812.0%
Colorado$1,278$463.7%
Connecticut$1,610$37830.7%
Delaware$1,496$26421.4%
Florida$1,660$42834.7%
Georgia$1,220-$12-1.0%
Hawaii$1,330$988.0%
Idaho$854-$378-30.7%
Illinois$914-$318-25.8%
Indiana$876-$356-28.9%
Iowa$924-$308-25.0%
Kansas$1,130-$102-8.3%
Kentucky$1,592$36029.2%
Louisiana$1,992$76061.7%
Maine$844-$388-31.5%
Maryland$1,264$322.6%
Massachusetts$1,082-$150-12.2%
Michigan$2,262$1,03083.6%
Minnesota$1,080-$152-12.3%
Mississippi$1,204-$28-2.3%
Missouri$1,048-$184-14.9%
Montana$1,116-$116-9.4%
Nebraska$1,014-$218-17.7%
Nevada$1,588$35628.9%
New Hampshire$1,004-$228-18.5%
New Jersey$1,224-$8-0.6%
New Mexico$1,142-$90-7.3%
New York$1,600$36829.9%
North Carolina$872-$360-29.2%
North Dakota$1,196-$36-2.9%
Ohio$866-$366-29.7%
Oklahoma$1,494$26221.3%
Oregon$1,152-$80-6.5%
Pennsylvania$1,384$15212.3%
Rhode Island$1,494$26221.3%
South Carolina$1,146-$86-7.0%
South Dakota$966-$266-21.6%
Tennessee$1,106-$126-10.2%
Texas$1,180-$52-4.2%
Utah$1,090-$142-11.5%
Vermont$876-$356-28.9%
Virginia$884-$348-28.2%
Washington$1,082-$150-12.2%
West Virginia$1,252$201.6%
Wisconsin$1,252$201.6%
Wyoming$1,358$12610.2%

View Chart as Image

GMC Acadia insurance rates by U.S. city

Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 127% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

GMC Acadia Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
GMC Acadia SL 2WD$1,146$96
GMC Acadia SL AWD$1,202$100
GMC Acadia SLE 2WD$1,202$100
GMC Acadia SLE AWD$1,244$104
GMC Acadia SLT 2WD$1,244$104
GMC Acadia SLT AWD$1,288$107

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 YearComprehensiveCollisionLiabilityTotal Premium
2018 GMC Acadia$280$446$354$1,232
2017 GMC Acadia$266$428$370$1,216
2016 GMC Acadia$256$424$378$1,210
2015 GMC Acadia$246$414$396$1,208
2014 GMC Acadia$238$398$408$1,196
2013 GMC Acadia$226$384$420$1,182
2012 GMC Acadia$216$356$428$1,152
2011 GMC Acadia$208$336$432$1,128
2010 GMC Acadia$200$300$436$1,088
2009 GMC Acadia$186$276$436$1,050
2008 GMC Acadia$180$260$440$1,032
2007 GMC Acadia$176$242$450$1,020

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

Finding better rates on GMC Acadia insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at least once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a condensed summary of the primary concepts that were touched on in this article.

  • It is possible to save as much as $150 per year just by quoting early and online
  • High-risk drivers with multiple at-fault accidents pay an average of $1,400 more each year than a safer driver
  • Increasing policy deductibles can save around $475 each year
  • Drivers age 16 to 20 are charged the highest prices, with premiums being up to $379 per month if they have full coverage

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Rates by Driver Age

GMC Acadia Insurance Rates by Driver Age
Driver AgePremium
16$4,548
20$2,808
30$1,280
40$1,232
50$1,122
60$1,100

Full coverage, $500 deductibles

Rates by Deductible

GMC Acadia Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,548
$250$1,402
$500$1,232
$1,000$1,066

Full coverage, driver age 40

Rates by Liability Limit

GMC Acadia Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,232
50/100$1,359
100/300$1,447
250/500$1,677
100 CSL$1,394
300 CSL$1,589
500 CSL$1,731

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Acadia Insurance Rates for High Risk Drivers
AgePremium
16$6,472
20$4,456
30$2,692
40$2,636
50$2,512
60$2,486

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 $166

Potential Rate Discounts

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

DiscountSavings
Multi-policy$65
Multi-vehicle$62
Homeowner$18
5-yr Accident Free$88
5-yr Claim Free$78
Paid in Full/EFT$55
Advance Quote$59
Online Quote$86
Total Discounts$511
Rate after discounts $721

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

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