GMC Acadia Insurance Rates

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 $1,242 a year for full coverage insurance. Comprehensive costs an estimated $238, collision costs $404, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,686. Teens pay the most at $4,778 a year or more.

Average premium for full coverage: $1,242

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Acadia trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below illustrates estimated GMC Acadia insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $726
• Using higher $1,000 deductibles will save approximately $146 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,242
• Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,522
• Drivers with serious driving violations could pay up to $2,686 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $4,778 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Acadia insurance prices. A driver around age 40 might see prices as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,680 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $430 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance can be as much as 44% to 135% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 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.

How to Find Affordable GMC Acadia Insurance

Finding better rates on car insurance requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the primary concepts that were covered above.

• It is possible to save approximately $150 per year simply by shopping early and online
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,440 more annually than a low-risk driver
• Increasing policy deductibles can save around $425 each year
• Youthful drivers are expensive to insure, with premiums being up to $398 per month including comprehensive and collision 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.

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.

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.

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.