How Much is Insurance on a GMC Acadia? [How to Find Low Rates Online]

Average GMC Acadia insurance rates cost $108 per month ($1,294 per year). Mature drivers with good driving records may find rates as low as $760 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 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

Researching GMC Acadia car insurance rates can seem like a difficult thing to do if you don’t know where to begin. As it turns out, GMC Acadia rates average out to $1,294 a year, or $108 per month, and good drivers can save as much as $534 a year in the form of policy discounts.

We have prepared this easy-to-follow guide to show you exactly how GMC Acadia insurance rates are calculated so you have what you need to compare and contrast policies with confidence.

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 auto 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 Volvo XC60, Lincoln Navigator, and Subaru Forester.

Vehicle Comprehensive Collision Liability Total
GMC Acadia $294 $470 $372 $1,294
Volvo XC60 $306 $536 $338 $1,316
Lincoln Navigator $356 $686 $398 $1,598
Subaru Forester $346 $512 $332 $1,326
Chevrolet Traverse $336 $470 $316 $1,258
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Jaguar F-PACE $470 $982 $398 $2,008
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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?

The GMC Acadia trim and model you choose can impact the total price you will pay for GMC Acadia insurance coverage.

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
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Driver Age

Driver age can have a significant effect on GMC Acadia car insurance rates. For example, 30-year-old drivers pay $57 more for GMC Acadia car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on GMC Acadia insurance rates. For example, drivers in Phoenix may pay $712 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of GMC Acadia car insurance. 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
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GMC Acadia Crash Test Ratings

The crash test ratings of the GMC Acadia can impact your 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
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GMC Acadia Safety Features

The numerous safety features of the GMC Acadia help contribute to lower insurance rates. The 2020 GMC Acadia has the following 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

GMC Acadia Insurance Loss Probability

The lower percentage means lower GMC Acadia car insurance costs; higher percentages mean higher GMC Acadia car insurance costs. Compare the following GMC Acadia auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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
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GMC Acadia Finance and Insurance Cost

If you are financing a GMC Acadia, you will pay more if you purchase GMC Acadia auto insurance at the dealership, so be sure to shop around and compare GMC Acadia auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on GMC Acadia Insurance

You have more options at your disposal to save money on your GMC Acadia car insurance costs. For example, try these five tips:

  • Park Your GMC Acadia Somewhere Safe – like a Garage or Private Driveway
  • Move to the Countryside
  • Ask for a New GMC Acadia Auto Insurance Rate Based on Your Improved Credit Score
  • Buy Winter Tires for Your GMC Acadia
  • Reduce Your Coverage on an Older GMC Acadia

Top GMC Acadia Insurance Companies

Who is the top car insurance 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 auto 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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Compare Free GMC Acadia Insurance Quotes Online

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.
With gas prices so high, the car industry has introduced a new alternative to large SUVs for families who still need passenger seating and cargo space.

Crossovers like the GMC Acadia are popular due to their roominess and comfortable ride, with better fuel economy than an SUV. An Acadia owner will generally pay between $900 and $1300 a year for car insurance.

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In a market previously dominated by minivans and SUVs, crossovers have garnered a large following. This newcomer has many advantages among fuel economy-conscious buyers.

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Why purchase a crossover?

Kids require a lot of gear, whether it’s strollers or baseball equipment, so, families have traditionally favored larger vehicles with plenty of storage space and seating capacity.

However, these larger vehicles tend to use more gas. Minivans are better but don’t have the room an SUV does.

Crossovers like the GMC Acadia offer the fuel efficiency similar to a minivan but have the room of an SUV, making them instant contenders to a large segment of the population.

Car makers achieve this by basing the crossovers on a car rather than a truck frame like an SUV does.

The Acadia seats either seven or eight passengers and has plenty of cargo space. There’s a maximum of 117 cubic feet when the second and third rows are folded down. When the seats are up, there’s still a generous 24 cubic feet.

The Acadia also has many of the features SUV and minivan owners have come to expect, like dual air conditioners, an entertainment system, and a folding second row.

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What about safety?

The Acadia has performed well in both the government crash tests and the Insurance Institute for Highway Safety’s tests. It received a “Good” rating from the IIHS in all categories: frontal offset, side impact, roof strength, and rear impact tests.

These high safety ratings make the GMC Acadia an attractive option, both because of the increased protection for the family and the positive effect they will have on insurance premium costs.

Part of the reason the Acadia has scored so highly on crash tests is its head airbags for all three rows, not just the front.

It also comes with child seat anchors, four-wheel anti-lock brakes, daytime running lights, and three-point seatbelts even for the middle seats in the rear.

The stabilization and traction control increase the driver’s control over the vehicle in all weather situations.

How can I lower my insurance?

By choosing a GMC Acadia crossover, you are already lowering your insurance rates over a luxury car or sports car. Owners of these types of cars tend to pay more for insurance than owners of other vehicles.

The price of insurance varies from region to region within the country. Car owners in areas with high crime rates pay higher premiums.

Whether you live in an urban area or out in the country also affects your premiums.

Other factors that influence how much you’ll pay are your age, gender, and marital status. Women pay less than men, and married people pay less than singles. Young adults also pay more than more experienced drivers.

How many miles you drive a year will affect your premiums as well. The more a person drives, the higher the chance he will be involved in an accident.

There are some steps you can take to lower your rates no matter where you live. The first is to maintain a clean driving record. Obeying traffic laws will not only save you money from a ticket but will lower your insurance costs.

Not all policies are the same. Raising the premium will lower the deductible, so set the premium as high as you can afford.

Ask about discounts. You can receive these for having a clean driving record, being a student, and even for having good credit. Get more info on ways to save on auto insurance from the National Association of Insurance Commissioners’ Consumer Alert.

A great way to save is to buy all your insurance from the same company.

By purchasing insurance for your automobiles, home, RVs or motorcycles, and life, you’ll usually receive big discounts. Compare prices from several companies as well, as prices can vary widely from one company to the next.

Enter your ZIPcode below to access car insurance rates from multiple providers today!

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