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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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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.

Estimated insurance rates for a GMC Acadia are $1,274 a year for full coverage insurance. Comprehensive insurance costs on average $270 a year, collision insurance costs $448, and liability insurance costs $398. A liability-only policy costs as little as $460 a year, and high-risk insurance costs $2,742 or more. Teen drivers pay the most at up to $4,790 a year.

Average premium for full coverage: $1,274

Premium estimates by type of coverage:

Comprehensive $270
Collision $448
Liability $398

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 $460 for just the minimum liability insurance to a high of $2,742 for coverage for higher-risk drivers.

Liability Only $460
Full Coverage $1,274
High Risk $2,742

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 $956
Small Cities $1,338
Large Cities $1,720

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.

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.

Additional Rate Analysis

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

  • The lowest rate with discounts is $745
  • Drivers who choose higher $1,000 deductibles will pay around $1,110 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,274
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $312 a year
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,742
  • An auto insurance policy for full coverage for a teen driver may cost $4,790 a year

View Chart as Image

GMC Acadia insurance cost comparison chart
Column chart showing GMC Acadia insurance prices range from $745 to $4,790 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 $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,700 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 $830 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,720 on average in Michigan, New York, and Florida.

GMC Acadia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,152 -$122 -9.6%
Alaska $978 -$296 -23.2%
Arizona $1,058 -$216 -17.0%
Arkansas $1,274 -$0 0.0%
California $1,450 $176 13.8%
Colorado $1,216 -$58 -4.6%
Connecticut $1,310 $36 2.8%
Delaware $1,440 $166 13.0%
Florida $1,594 $320 25.1%
Georgia $1,176 -$98 -7.7%
Hawaii $916 -$358 -28.1%
Idaho $862 -$412 -32.3%
Illinois $950 -$324 -25.4%
Indiana $958 -$316 -24.8%
Iowa $860 -$414 -32.5%
Kansas $1,210 -$64 -5.0%
Kentucky $1,738 $464 36.4%
Louisiana $1,884 $610 47.9%
Maine $786 -$488 -38.3%
Maryland $1,050 -$224 -17.6%
Massachusetts $1,020 -$254 -19.9%
Michigan $2,214 $940 73.8%
Minnesota $1,066 -$208 -16.3%
Mississippi $1,526 $252 19.8%
Missouri $1,130 -$144 -11.3%
Montana $1,368 $94 7.4%
Nebraska $1,004 -$270 -21.2%
Nevada $1,526 $252 19.8%
New Hampshire $918 -$356 -27.9%
New Jersey $1,424 $150 11.8%
New Mexico $1,128 -$146 -11.5%
New York $1,344 $70 5.5%
North Carolina $734 -$540 -42.4%
North Dakota $1,042 -$232 -18.2%
Ohio $880 -$394 -30.9%
Oklahoma $1,310 $36 2.8%
Oregon $1,166 -$108 -8.5%
Pennsylvania $1,214 -$60 -4.7%
Rhode Island $1,698 $424 33.3%
South Carolina $1,156 -$118 -9.3%
South Dakota $1,076 -$198 -15.5%
Tennessee $1,116 -$158 -12.4%
Texas $1,536 $262 20.6%
Utah $944 -$330 -25.9%
Vermont $872 -$402 -31.6%
Virginia $762 -$512 -40.2%
Washington $986 -$288 -22.6%
West Virginia $1,166 -$108 -8.5%
Wisconsin $882 -$392 -30.8%
Wyoming $1,134 -$140 -11.0%

View Chart as Image

GMC Acadia insurance rates by U.S. city

Choosing high deductibles could save up to $480 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 $358 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 $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% 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 Trim Annual Premium Monthly Premium
GMC Acadia SL 2WD $1,188 $99
GMC Acadia SL AWD $1,244 $104
GMC Acadia SLE 2WD $1,244 $104
GMC Acadia SLE AWD $1,286 $107
GMC Acadia SLT 2WD $1,286 $107
GMC Acadia SLT AWD $1,328 $111

Rates assume 2020 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
2020 GMC Acadia $270 $448 $398 $1,274
2019 GMC Acadia $260 $436 $416 $1,270
2018 GMC Acadia $250 $418 $430 $1,256
2017 GMC Acadia $238 $404 $442 $1,242
2016 GMC Acadia $228 $374 $452 $1,212
2015 GMC Acadia $218 $352 $456 $1,184
2014 GMC Acadia $210 $316 $460 $1,144
2013 GMC Acadia $196 $292 $460 $1,106
2012 GMC Acadia $190 $272 $464 $1,084
2011 GMC Acadia $184 $254 $474 $1,070
2010 GMC Acadia $172 $236 $474 $1,040
2009 GMC Acadia $166 $214 $478 $1,016
2008 GMC Acadia $156 $196 $474 $984
2007 GMC Acadia $146 $178 $474 $956

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 $1,470 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 $399 per month if they have full coverage

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 $4,790
20 $2,924
30 $1,324
40 $1,274
50 $1,164
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

GMC Acadia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,586
$250 $1,442
$500 $1,274
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

GMC Acadia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,274
50/100 $1,408
100/300 $1,507
250/500 $1,766
100 CSL $1,447
300 CSL $1,666
500 CSL $1,826

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Acadia Insurance Rates for High Risk Drivers
Age Premium
16 $6,812
20 $4,648
30 $2,798
40 $2,742
50 $2,618
60 $2,594

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $81
Paid in Full/EFT $56
Advance Quote $61
Online Quote $89
Total Discounts $529
Rate after discounts $745

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

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