GMC Acadia Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A GMC Acadia is more affordable to insure than the average SUV.
• Liability only insurance premiums for an Acadia tend to be about $80 a month, while full coverage usually averages around $137 monthly.
• The lowest auto insurance company for an Acadia is Good2Go.

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Acadia Overview

The GMC Acadia is a great budget-friendly option for any driver, with a base price of just $34,800 for new 2022 models. While it is on the affordable end of the spectrum when it comes to overall price point, it's also a great choice for your budget when thinking about your insurance rates.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that GMC Acadia auto insurance prices are about $137 a month, on average. Compared to other vehicles in the market, how do Acadia car insurance rates stack up?

How Much is Car Insurance for a GMC Acadia?

If you look at the table above, you'll find that GMC Acadia insurance premiums are lower than average compared to other vehicles. On average, Acadia owners can expect to pay around $80 per month for liability insurance, and about $137 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When compared to other GMC models, the Acadia's insurance premium is in line with the rest of the automaker's vehicle offerings. Compared to SUV offerings from other brands, insurance for an Acadia is less expensive than average, with liability insurance prices averaging exactly the same rates, but full coverage insurance rates coming in at $14 cheaper than other SUVs.

They're also more affordable to insure than the average vehicle overall, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a GMC Acadia?

If you're looking for an auto insurance policy for a GMC Acadia, you most likely want to know which carrier offers the most affordable rates. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $23 per month from MetroMile. The next most affordable company is WesternStar, who offers car insurance as cheap as $31 a month.

StateAuto, Foremost, and Gainsco finish off the rest of the top 5. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your GMC Acadia.

Car insurance companies use a whole range of variables and complex formulas to calculate rates. By reviewing quotes from a whole range of auto insurance carriers at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a GMC Acadia?

As we mentioned above, there are a bunch of things that insurance companies reference to choose how much they charge you for auto insurance -- and each carrier weighs certain attributes more than others, so there's not one company that's the lowest for everyone.

Below are just a few of the factors car insurance carriers look at and how each one affects your final rate:

Vehicle Age

The GMC Acadia has been around for a while -- that means vehicle age can play a big role in what you end up paying for insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars get older, insurance costs will gradually go lower.

According to the table above, the GMC Acadia is inline with this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest models are Acadias that are 15 years old or more, on average.

Your Age

Age plays a role in how much you pay for auto insurance. Based on the information above, teenage drivers have more expensive premiums than older drivers. In this case, drivers under 18 pay $73 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 65 years and older making up the cheapest age group for the Acadia.

Your Gender

Did you know men tend to pay more for car insurance than women? This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim. The GMC Acadia follows this convention, and women pay around $79 per month for insurance and men pay about $81.

Where You Live

You may think it's obvious that things such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live has just as much of an impact? Insurance is regulated on the state level and not nationally, so rates shift quite a bit depending on what state you reside in.

For example, the average GMC Acadia driver in New York pays around $139 monthly for liability coverage. Meanwhile, on average, the same owner from California will pay less than half of that price. The table referenced above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change depending on where you live.

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GMC Acadia Car Insurance Discounts

No matter your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance is always a good idea when shopping around for a new policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Multi-car discounts for adding more than one vehicle to your auto policy
• Defensive driving discounts for taking a defensive driving class through a certified school or institution

There are all sorts of other discounts out there for saving money on your car insurance. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Although you may not have control of every factor insurance companies examine to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the factors you can use in your favor when it comes to saving cash:

Your Driving Record

You've no doubt heard ads from auto insurance carriers offering big discounts for safe drivers. And you probably wouldn't be surprised that if you get into an accident or get speeding tickets, insurance prices will increase. But exactly how much can these infractions cost you?

According to the table above, accidents will usually cost Acadia drivers more than tickets, but both will cause a significant increase in rates. GMC Acadia drivers with a single accident on their record pay an average of $91 each month (up $11 from the $80/mo. overall average), while drivers with one ticket will pay about $79 a month. Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another variable that impacts your auto insurance rates is the amount of miles you drive annually. Drivers who are on the roads less often are less likely to get into collisions, so they'll normally end up spending less on car insurance. In the table above, you can see that GMC Acadia owners who drive less than 2,500 miles pay $85 for auto insurance, while those who drive between 2,500 and 5,000 miles every year pay about $72 per month.

If you work from home or drive less often than the average driver, it may be worth reviewing usage-based or pay-per-mile car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do GMC Acadias Compare to Other Vehicles?

If you're thinking about making a GMC Acadia your next vehicle, it might be helpful to do your research. Auto insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Check out the table below to see how the GMC Acadia compares:

With an MSRP that's less than the going rate for a new vehicle, the GMC Acadia is a fantastic value for any budget. The Acadia has a base price of $34,800, which is much cheaper than the national average vehicle MSRP of $46,192.

Liability insurance for a GMC Acadia is about $11 per month less than average, while full coverage is monthly.

When it comes to usage, GMC Acadia drivers are far from the national average in annual miles driven, with 12,834 miles per year compared to 11,617 for all vehicles.

GMC Acadia Car Insurance Costs by Model Year

So far, you've seen how different variables affect a driver's insurance prices. But if you're in thinking about buying a new car, truck, or SUV and the Acadia is on your wishlist, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your choices.

Choose Your Model

2022 GMC Acadia Car Insurance 2021 GMC Acadia Car Insurance 2020 GMC Acadia Car Insurance 2019 GMC Acadia Car Insurance 2018 GMC Acadia Car Insurance 2017 GMC Acadia Car Insurance 2016 GMC Acadia Car Insurance 2015 GMC Acadia Car Insurance 2014 GMC Acadia Car Insurance 2013 GMC Acadia Car Insurance 2012 GMC Acadia Car Insurance 2011 GMC Acadia Car Insurance 2010 GMC Acadia Car Insurance

2022 GMC Acadia Car Insurance

If you're in the market for a brand new GMC Acadia, you've got plenty of options. A 2022 GMC Acadia starts at around $34,800 for the base model, with four different trim levels to pick from.

When it comes to insuring a Acadia, it costs about $70 per month, on average, to insure a 2022 GMC Acadia for liability only and undefined monthly for full coverage. And if you want the most affordable insurance possible, Safeco offers liability only policies for sometimes as cheap as $70 a month.

Even though it's helpful to know how much the average driver pays for insurance, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, Compare.com will gather quotes from lots of companies for you, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2021 GMC Acadia Car Insurance

If you're looking to buy a 2021 Acadia or already own one, you can expect an average insurance price of around $192 for full coverage or $70 for a liability only policy.

And if you're just looking for the cheapest car insurance for your Acadia, DirectGeneral offers liability only policies for as little as just $29 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2020 GMC Acadia Car Insurance

2020 GMC Acadia drivers can expect to pay an average of $129 a month for liability or $194 for full coverage.

Looking for the lowest policy? Clearcover offered liability only coverage for sometimes as little as $26 per month.

Want to find the best rates? Get a variety of free customized quotes by just entering your ZIP code below.

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2019 GMC Acadia Car Insurance

You can expect full coverage for a 2019 Acadia to run about $154 a month, while liability only coverage will average around $90 per month.

With premiums sometimes as low as $23 monthly, Clearcover offered the most affordable policy we found.

If you want to find the best rates for auto insurance for a 2019 GMC Acadia, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 GMC Acadia Car Insurance

It costs about $53 a month for liability or $136 for a full coverage policy for the 2018 GMC Acadia.

MetroMile has premiums as low as just $23 monthly for the 2018 GMC Acadia.

If you want to know exactly how much you can expect to pay for your Acadia, just enter your ZIP code below and get several free quotes in minutes.

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2017 GMC Acadia Car Insurance

On average, drivers who own a 2017 Acadia can expect to pay $69 to $140 per month for liability only and full coverage car insurance, respectively.

Safeco offered the lowest policy we found, with rates as low as $29 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2016 GMC Acadia Car Insurance

The average cost to insure a 2016 GMC Acadia with liability only coverage is $70 per month, while full coverage runs around $142 monthly.

With prices as cheap as just $21 per month, MetLife offered the cheapest policy we found for the 2016 GMC Acadia.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several free personalized quotes.

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2015 GMC Acadia Car Insurance

You can expect full coverage for a 2015 Acadia to run about $140 a month, while liability only coverage will average around $62 monthly.

We found Hugo offered the most affordable policy, with rates as little as $16 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2014 GMC Acadia Car Insurance

The average cost to insure a 2014 GMC Acadia with liability only coverage is $85 per month, while full coverage runs about $135 monthly.

If you're looking for the lowest possible 2014 GMC Acadia insurance policy, MetLife offered the lowest policy we found, with rates as cheap as $16 a month.

Interested in just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a wide array of personalized quotes from the nation's top insurance carriers.

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2013 GMC Acadia Car Insurance

It costs around $77 per month for liability or $139 for a full coverage policy for the 2013 Acadia.

With rates as little as just $16 monthly, Gainsco offered the cheapest policy we found for the 2013 GMC Acadia.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2012 GMC Acadia Car Insurance

2012 GMC Acadia drivers can expect to pay an average of $78 a month for liability or $138 for full coverage.

We found DirectGeneral offered the most affordable policy, with rates sometimes as low as $26 per month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get multiple free customized quotes.

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2011 GMC Acadia Car Insurance

On average, drivers who own a 2011 Acadia can expect to pay $79 to $132 monthly for liability only and full coverage insurance, respectively.

Elephant has prices as low as $21 per month for the 2011 GMC Acadia.

If you want to find the best premiums for car insurance for a 2011 GMC Acadia, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2010 GMC Acadia Car Insurance

The average cost to insure a 2010 GMC Acadia with liability only coverage is $86 monthly, while full coverage runs about $133 a month.

With rates as little as $23 monthly, MetLife offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2010 GMC Acadia, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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GMC Acadia Insurance FAQs

Is a GMC Acadia expensive to insure?

Compared to the national average of all vehicles, prices come in on the more affordable end of the spectrum. Liability insurance runs an average of $80 a month, while full coverage will cost you around $137.

How can I get the best price on car insurance for my GMC Acadia?

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from lots of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my GMC Acadia affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car, but that's actually a myth. There are a variety of things auto insurance carriers consider when they calculate how much your policy will be, but your Acadia's color isn't one of them.

Do I need to have insurance before I buy a GMC Acadia?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my GMC Acadia?

You will find a ton of discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the GMC Acadia you drive, but if your Acadia has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance company and ask about their discounts.