GMC Acadia Insurance Quotes [How to Find Cheap Rates]
Average GMC Acadia car insurance rates cost $108 per month ($1,294 per year). Shop around to find cheap GMC Acadia insurance rates. On average, GMC Acadia comprehensive insurance coverage costs $315, collision coverage costs $460, and liability coverage costs $365.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Oct 27, 2020
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Key takeaways:
- Full coverage costs around $1,294 a year or $108 each month
- A liability-only policy costs around $519 a year or $43 each month
- Highest rates are for teenage drivers at around $4,730 a year or $394 each month
- Good drivers can save as much as $534 a year by earning policy discounts
- GMC Acadia insurance costs around $225 less per year than the average vehicle
Are you stressed about finding cheap GMC Acadia insurance rates? GMC Acadia insurance costs around $225 less per year than the average vehicle. Learn what you can do to maximize GMC Acadia insurance rate savings in our guide.
You can start comparing quotes for GMC Acadia car insurance rates from some of the best car insurance companies by using our free online tool now.
GMC Acadia Insurance Cost
The average GMC Acadia car insurance rates are $1,294 a year or $108 a month.
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Are GMC Acadias Expensive to Insure?
The chart below details how GMC Acadia insurance rates compare to other SUVs like the Audi Q7, Cadillac XT5, and Chevrolet Tahoe.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Acadia | $294 | $470 | $372 | $1,294 |
| Audi Q7 | $394 | $714 | $398 | $1,664 |
| Cadillac XT5 | $376 | $718 | $372 | $1,624 |
| Chevrolet Tahoe | $336 | $532 | $372 | $1,398 |
| Ford Edge | $266 | $500 | $372 | $1,296 |
| Toyota Highlander | $332 | $512 | $390 | $1,392 |
| GMC Yukon | $376 | $594 | $372 | $1,500 |
However, there are a few things you can do to find the cheapest GMC insurance rates online.
What Impacts the Cost of GMC Acadia Insurance?
Even though the average annual rate for the GMC Acadia is $1,294, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your GMC Acadia.
Age of the Vehicle
Older GMC Acadia models generally cost less to insure. For example, auto insurance for a 2020 GMC Acadia costs $1,294, while 2010 GMC Acadia insurance costs are $1,084, a difference of $210.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 GMC Acadia | $294 | $470 | $372 | $1,294 |
| 2019 GMC Acadia | $280 | $452 | $390 | $1,280 |
| 2018 GMC Acadia | $270 | $448 | $398 | $1,274 |
| 2017 GMC Acadia | $260 | $436 | $416 | $1,270 |
| 2016 GMC Acadia | $250 | $418 | $430 | $1,256 |
| 2015 GMC Acadia | $238 | $404 | $442 | $1,242 |
| 2014 GMC Acadia | $228 | $374 | $452 | $1,212 |
| 2013 GMC Acadia | $218 | $352 | $456 | $1,184 |
| 2012 GMC Acadia | $210 | $316 | $460 | $1,144 |
| 2011 GMC Acadia | $196 | $292 | $460 | $1,106 |
| 2010 GMC Acadia | $190 | $272 | $464 | $1,084 |
Driver Age
Driver age can have a significant effect on GMC Acadia car insurance rates. For example, 20-year-old drivers pay $1,582 more for their GMC Acadia car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on GMC Acadia insurance rates. For example, drivers in Jacksonville may pay $776 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on your GMC Acadia car insurance rates. Teens and drivers in their 20’s see the highest jump in their GMC Acadia car insurance with violations on their driving record.
GMC Acadia Safety Ratings
Your GMC Acadia auto insurance rates are influenced by the GMC Acadia’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
GMC Acadia Crash Test Ratings
Poor GMC Acadia crash test ratings could mean higher GMC Acadia car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 GMC Acadia SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 GMC Acadia SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 GMC Acadia SUV FWD | 4 stars | 5 stars | 5 stars | 4 stars |
| 2019 GMC Acadia SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 GMC Acadia SUV FWD | 4 stars | 5 stars | 5 stars | 4 stars |
| 2018 GMC Acadia SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 GMC Acadia SUV FWD | 4 stars | 5 stars | 5 stars | 4 stars |
| 2017 GMC Acadia SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 GMC Acadia Limited SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 GMC Acadia Limited SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 GMC Acadia Denali SUV FWD | 4 stars | 5 stars | 5 stars | 4 stars |
| 2017 GMC Acadia Denali SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 GMC Acadia SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 GMC Acadia SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 GMC Acadia Denali SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 GMC Acadia Denali SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
GMC Acadia Safety Features
Most drivers don’t realize that not only do GMC Acadia safety features play a vital role in keeping passengers safe in crashes, but they can also help lower GMC Acadia auto insurance rates. The GMC Acadia’s safety features include:
- 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
GMC Acadia Insurance Loss Probability
The GMC Acadia’s insurance loss probability varies between different coverage types. The lower percentage means lower GMC Acadia auto insurance costs; higher percentages mean higher GMC Acadia auto insurance costs.
| Insurance Coverage Category | Loss Rate |
| Collision | -25% |
|---|---|
| Property Damage | -14% |
| Comprehensive | -27% |
| Personal Injury | -29% |
| Medical Payment | -31% |
| Bodily Injury | -20% |
| Source: Insurance Institute for Highway Safety | |
GMC Acadia Finance and Insurance Cost
If you are financing a GMC Acadia, most lenders will require your carry higher GMC Acadia coverage options including comprehensive coverage, so be sure to shop around and compare GMC Acadia auto insurance quotes from the best auto insurance companies using our FREE tool below.
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Ways to Save on GMC Acadia Insurance
If you want to reduce the cost of your GMC Acadia insurance rates, follow these tips below:
- Ask for a New GMC Acadia Auto Insurance Rate Based on Your Improved Credit Score
- Ask About GMC Acadia Low Mileage Discounts
- Compare GMC Acadia Quotes for Free Online
- Take a Refresher Course as an Older Driver
- Ask About Mature Driver Discounts for Drivers Over 50
Top GMC Acadia Insurance Companies
Who is the best company for GMC Acadia insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Acadia insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Acadia offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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You can start comparing quotes for GMC Acadia auto insurance rates from some of the best auto insurance companies by using our free online tool now.