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 including full coverage. Comprehensive insurance costs around $238 a year, collision costs $404, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,686 or more. 16-year-old drivers pay the most at $4,778 a year or more.

Average premium for full coverage: $1,242

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Acadia trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates how your location can change auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below breaks down estimated GMC Acadia insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $726
• Drivers who choose higher $1,000 deductibles will pay about $1,096 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,242
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $280 annually
• Drivers with multiple tickets or accidents could pay at least $2,686 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $4,778 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as low 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 as much as $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in GMC Acadia insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,770 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $430 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 135% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Every company utilizes a different rate formula, and quoted 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 Low Cost GMC Acadia Insurance

Finding better rates on insurance for a GMC Acadia not only requires being safe and accident-free, but also having good credit, refrain from filing small claims, and maximizing policy discounts. Invest the time to shop around once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a review of the data that was illustrated above.

• You may be able to save up to $150 per year simply by quoting early and online
• Insureds who may need more liability protection will pay around $490 per year to go from 30/60 bodily injury limits to 250/500 limits
• Youthful drivers are expensive to insure, with the cost nearing $398 per month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,440 more every year than a low-risk driver

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.