GMC Acadia Car Insurance Cost 2025
Getting insurance for a GMC Acadia typically amounts to about $626 annually through Direct Auto. However, the specific costs can vary based on factors such as your age, the year of your car model, and other relevant considerations. Please refer to our quote tables below to determine the potential cost tailored to your situation.
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If you’re thinking about buying a GMC Acadia, it’s important to consider the cost of insurance. Insurance is a significant aspect of owning a car, and it’s crucial to understand its implications before making a purchase. On average, insurance for a GMC Acadia cost $2,150 per year.
Selecting the right car insurance policy is essential to avoid unexpected and potentially high expenses in the future. It’s vital to ensure you have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re deemed responsible for an accident.
With over ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors such as your age, driving record, and even your location can significantly impact your insurance premiums.
How Much Does GMC Acadia Car Insurance Cost?
On average, GMC Acadia drivers can expect to pay approximately $2,150 annually for car insurance.
The cost of car insurance for a GMC Acadia can vary significantly based on key factors like location, driving history, car model year, and selected coverage options. Maintaining a clean driving record often results in lower premiums, while a history of accidents or violations may increase costs.
Urban areas with heavy traffic typically have higher insurance rates compared to rural areas with less congestion. The type of coverage chosen also plays a role—comprehensive insurance, which includes collision and non-collision damage, generally costs more than minimum liability coverage.
As illustrated in the table below, the GMC Acadia’s insurance cost is lower than the average for all GMC models and below the average cost for all vehicles. For tailored comparisons, Insuranceopedia provides tools to help you find the best rates from multiple insurance providers.
| Vehicle | Average Monthly Premium |
| GMC Acadia | $147 |
| All GMCs | $186 |
| All Cars | $175 |
Average Insurance Cost Of GMC Acadia By Model Year
| Model Year | Average Premium |
| 2023 GMC Acadia | $1,098 |
| 2022 GMC Acadia | $894 |
| 2021 GMC Acadia | $914 |
| 2020 GMC Acadia | $773 |
| 2019 GMC Acadia | $531 |
| 2018 GMC Acadia | $582 |
| 2017 GMC Acadia | $774 |
| 2016 GMC Acadia | $604 |
| 2015 GMC Acadia | $462 |
| 2014 GMC Acadia | $428 |
| 2013 GMC Acadia | $450 |
| 2012 GMC Acadia | $442 |
| 2011 GMC Acadia | $538 |
| 2010 GMC Acadia | $483 |
2023 GMC Acadia Insurance Rates
The average annual insurance cost for a 2023 GMC Acadia is $1,098. However, Direct Auto offers the cheapest rates, averaging $626 per year.
| Insurance Provider | Average Annual Cost |
| Clearcover | $1,317 |
| American Family | $1,176 |
| Pekin Insurance | $1,014 |
| West Bend Mutual | $990 |
| Western Reserve | $1,394 |
| Rockford Mutual Insurance | $1,026 |
| Direct Auto | $626 |
| Dairyland Auto | $1,259 |
| SECURA Insurance | $1,243 |
| Rural Mutual Insurance | $938 |
2022 GMC Acadia Insurance Rates
The average annual insurance cost for a 2022 GMC Acadia is $894. However, American National P offers the cheapest rates, averaging $574 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,055 |
| Pekin Insurance | $836 |
| Clearcover | $935 |
| Oregon Mutual | $1,093 |
| SafeAuto | $1,011 |
| Buckeye Insurance Group | $732 |
| Capital Insurance Group | $989 |
| Safeco | $676 |
| American National P | $574 |
| Mercury Insurance | $1,040 |
2021 GMC Acadia Insurance Rates
The average annual insurance cost for a 2021 GMC Acadia is $914. However, Safeco offers the cheapest rates, averaging $272 per year.
| Insurance Provider | Average Annual Cost |
| Oregon Mutual | $1,140 |
| Safeco | $272 |
| Texas Farm Bureau Group | $885 |
| NatGen Value | $1,055 |
| National General Value | $652 |
| Titan | $976 |
| Buckeye Insurance Group | $1,046 |
| Capital Insurance Group | $993 |
| Clearcover | $1,031 |
| Tennessee Farmers | $1,089 |
2020 GMC Acadia Insurance Rates
The average annual insurance cost for a 2020 GMC Acadia is $773. However, Safeco offers the cheapest rates, averaging $142 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,134 |
| AssuranceAmerica | $351 |
| Concord Group | $1,047 |
| Pekin Insurance | $970 |
| AssuranceAmerica Mobile Max | $441 |
| Texas Farm Bureau Group | $1,147 |
| Farm Bureau Mutual (IA Group) | $1,068 |
| Kemper Auto | Infinity | $347 |
| NatGen Value | $1,082 |
| Safeco | $142 |
2019 GMC Acadia Insurance Rates
The average annual insurance cost for a 2019 GMC Acadia is $531. However, Mercury Insurance offers the cheapest rates, averaging $196 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $628 |
| Kemper Auto | $662 |
| American National P | $555 |
| AssuranceAmerica Mobile Max | $274 |
| AssuranceAmerica | $185 |
| Plymouth Rock Assurance | $909 |
| Mercury Insurance | $196 |
| Safeco | $302 |
| Acuity | $800 |
| Safety Group | $798 |
2018 GMC Acadia Insurance Rates
The average annual insurance cost for a 2018 GMC Acadia is $582. However, NatGen Custom 360 offers the cheapest rates, averaging $266 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $789 |
| Kemper Auto | Infinity | $570 |
| Countryway Insurance | $718 |
| NatGen Advantage | $329 |
| Safeco | $462 |
| NatGen Custom 360 | $266 |
| Mercury Insurance | $604 |
| Utica National Ins Group | $975 |
| American National P | $436 |
| Virginia Farm Bureau | $673 |
2017 GMC Acadia Insurance Rates
The average annual insurance cost for a 2017 GMC Acadia is $774. However, NatGen Custom 360 offers the cheapest rates, averaging $266 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $773 |
| NatGen Custom 360 | $266 |
| Safeco | $304 |
| North Carolina Farm Bureau | $1,003 |
| Mercury Insurance | $535 |
| Colorado Farm Bureau Mutual | $1,026 |
| Unigard | $1,062 |
| Kemper Auto | $928 |
| American National P | $761 |
| Tower Insurance Company of New York | $1,079 |
2016 GMC Acadia Insurance Rates
The average annual insurance cost for a 2016 GMC Acadia is $604. However, Safeco offers the cheapest rates, averaging $138 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $820 |
| Rural Mutual Insurance | $740 |
| Safeco | $138 |
| Nodak Mutual | $886 |
| NatGen PPA | $722 |
| NatGen Value | $752 |
| Kemper Personal Insurance | $306 |
| West Bend Mutual | $802 |
| NatGen Custom 360 | $426 |
| Dairyland FR Bond | $452 |
2015 GMC Acadia Insurance Rates
The average annual insurance cost for a 2015 GMC Acadia is $462. However, Kemper Personal Insurance offers the cheapest rates, averaging $87 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $235 |
| Concord Group | $842 |
| Dairyland FR Bond | $865 |
| Kemper Auto | Infinity | $710 |
| Kemper Auto Premium | $168 |
| Texas Farm Bureau Group | $844 |
| NatGen Advantage | $431 |
| NatGen Custom 360 | $91 |
| Kemper Personal Insurance | $87 |
| Mercury Insurance | $348 |
2014 GMC Acadia Insurance Rates
The average annual insurance cost for a 2014 GMC Acadia is $428. However, Safeco offers the cheapest rates, averaging $95 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $180 |
| Infinity Special | $344 |
| Utica National Ins Group | $762 |
| Dairyland Broadform | $320 |
| American National P | $436 |
| PEMCO | $670 |
| Concord Group | $709 |
| Safeco | $95 |
| Kemper Auto Premier | $385 |
| Mercury Insurance | $376 |
2013 GMC Acadia Insurance Rates
The average annual insurance cost for a 2013 GMC Acadia is $450. However, Safeco offers the cheapest rates, averaging $108 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $698 |
| Kemper Auto Premier | $481 |
| AssuranceAmerica Mobile Max | $391 |
| Safeco | $108 |
| Pekin Insurance | $729 |
| Concord Group | $476 |
| Mercury Insurance | $432 |
| Kemper Personal Insurance | $595 |
| Kemper Auto | Infinity | $412 |
| Infinity Special | $181 |
2012 GMC Acadia Insurance Rates
The average annual insurance cost for a 2012 GMC Acadia is $442. However, Safeco offers the cheapest rates, averaging $78 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $625 |
| Infinity Special | $326 |
| Safeco | $78 |
| Dairyland FR Bond | $624 |
| American National P | $559 |
| NatGen Custom 360 | $114 |
| AssuranceAmerica Mobile Max | $354 |
| Kemper Personal Insurance | $586 |
| Concord Group | $596 |
| Kemper Auto Premier | $556 |
2011 GMC Acadia Insurance Rates
The average annual insurance cost for a 2011 GMC Acadia is $538. However, Safeco offers the cheapest rates, averaging $124 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $526 |
| Kemper Auto | Infinity | $707 |
| North Carolina Farm Bureau | $685 |
| Dairyland FR Bond | $655 |
| National General Value | $721 |
| Buckeye Insurance Group | $750 |
| Mercury Insurance | $215 |
| Dairyland Broadform | $413 |
| PEMCO | $585 |
| Safeco | $124 |
2010 GMC Acadia Insurance Rates
The average annual insurance cost for a 2010 GMC Acadia is $483. However, National General Value offers the cheapest rates, averaging $206 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $702 |
| Concord Group | $561 |
| NatGen PPA | $258 |
| National General Value | $206 |
| Kemper Personal Insurance | $622 |
| NatGen Custom 360 | $221 |
| Utica National Ins Group | $577 |
| PEMCO | $597 |
| Mercury Insurance | $370 |
| NatGen Advantage | $717 |
Find Affordable GMC Acadia Insurance Rates
Is A GMC Acadia Expensive To Insure?
Insuring a GMC Acadia typically costs less than the average insurance rate for all vehicles. However, the exact price you’ll pay for coverage will vary based on factors like your age, the car’s age, your location, and other considerations.
Cost of GMC Acadia Car Insurance By Age
Age is a key factor in setting car insurance rates. Teen drivers usually face the highest costs since they are more likely to be involved in accidents compared to other age groups. Premiums tend to decrease with age as drivers gain more experience and are considered lower risk by insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,301 | $10,670 | $12,546 |
| 18 | $6,808 | $9,973 | $11,688 |
| 19 | $5,981 | $8,782 | $10,270 |
| 20 | $5,206 | $7,737 | $9,022 |
| 21 | $4,414 | $6,435 | $7,537 |
| 22 | $4,269 | $6,322 | $7,379 |
| 23 | $3,788 | $5,484 | $6,449 |
| 24 | $3,548 | $5,222 | $6,100 |
| 25 | $3,024 | $4,538 | $5,230 |
| 30 | $2,408 | $3,474 | $4,078 |
| 35 | $2,244 | $3,332 | $3,826 |
| 40 | $2,194 | $3,119 | $3,727 |
| 45 | $2,093 | $3,067 | $3,635 |
| 55 | $1,887 | $2,787 | $3,256 |
| 65 | $2,020 | $2,934 | $3,453 |
| 75 | $2,525 | $3,665 | $4,299 |
GMC Acadia Car Insurance Rates By State
Your location heavily influences how insurance companies determine rates. Each state has its own auto insurance regulations; for instance, Michigan drivers often face higher premiums due to the state’s requirement for more extensive coverage. Additionally, local climate conditions, such as hurricanes, storms, and flooding, can affect rates. Crime and accident statistics, including vehicle thefts, crashes, and fatality rates, also play a role. Insurers take all these factors into account when calculating the insurance cost for a GMC Acadia.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,245 | $3,347 | $4,233 |
| Alaska | $1,909 | $2,662 | $2,527 |
| Arizona | $2,143 | $3,048 | $4,569 |
| Arkansas | $2,309 | $3,637 | $4,095 |
| California | $2,614 | $4,626 | $2,576 |
| Colorado | $2,478 | $3,387 | $4,319 |
| Connecticut | $3,074 | $4,780 | $6,069 |
| Delaware | $2,549 | $3,375 | $4,412 |
| Florida | $3,058 | $4,252 | $5,489 |
| Georgia | $2,445 | $3,723 | $3,752 |
| Hawaii | $997 | $1,356 | $993 |
| Idaho | $1,708 | $2,314 | $2,786 |
| Illinois | $1,802 | $2,714 | $3,154 |
| Indiana | $1,816 | $2,849 | $3,153 |
| Iowa | $1,503 | $1,986 | $2,368 |
| Kansas | $1,990 | $2,814 | $3,324 |
| Kentucky | $2,855 | $4,201 | $4,898 |
| Louisiana | $3,642 | $5,513 | $5,931 |
| Maine | $1,368 | $1,926 | $2,823 |
| Maryland | $2,199 | $3,219 | $3,635 |
| Massachusetts | $1,808 | $3,093 | $1,834 |
| Michigan | $4,327 | $6,593 | $10,319 |
| Minnesota | $1,771 | $2,345 | $3,315 |
| Mississippi | $2,179 | $3,022 | $3,091 |
| Missouri | $2,038 | $2,932 | $3,780 |
| Montana | $2,043 | $2,904 | $3,285 |
| Nebraska | $1,696 | $2,548 | $2,779 |
| Nevada | $2,880 | $4,221 | $4,442 |
| New Hampshire | $2,026 | $3,133 | $3,952 |
| New Jersey | $2,216 | $3,418 | $4,517 |
| New Mexico | $2,246 | $3,364 | $3,432 |
| New York | $2,056 | $2,598 | $4,388 |
| North Carolina | $1,314 | $2,250 | $1,593 |
| North Dakota | $1,794 | $2,711 | $3,164 |
| Ohio | $1,533 | $2,430 | $2,506 |
| Oklahoma | $2,488 | $3,625 | $4,032 |
| Oregon | $2,244 | $3,081 | $3,690 |
| Pennsylvania | $1,966 | $2,813 | $3,281 |
| Rhode Island | $3,174 | $4,726 | $5,320 |
| South Carolina | $2,196 | $2,972 | $4,202 |
| South Dakota | $1,913 | $2,838 | $3,275 |
| Tennessee | $2,341 | $3,390 | $4,513 |
| Texas | $2,318 | $3,367 | $4,200 |
| Utah | $1,953 | $2,804 | $3,840 |
| Vermont | $1,465 | $2,321 | $2,469 |
| Virginia | $1,378 | $2,147 | $2,148 |
| Washington | $1,913 | $2,577 | $3,098 |
| West Virginia | $1,883 | $2,748 | $3,379 |
| Wisconsin | $1,940 | $2,958 | $3,424 |
| Wyoming | $1,787 | $2,521 | $2,591 |
Find Affordable GMC Acadia Insurance Rates
Cheapest Car Insurance Companies For A GMC Acadia
If you’re in the market for a new car insurance policy for your GMC Acadia, it’s helpful to identify the most affordable providers. For example, MetroMile offers a monthly premium of $78, making it the cheapest option for a GMC Acadia. However, insurance rates vary depending on your driving profile, so this figure is only an average. To find the best rates tailored to your needs, it’s essential to compare quotes from multiple providers.
| Company | Average Monthly Rate |
| MetroMile | $33 |
| Foremost | $39 |
| WesternStar | $41 |
| Gainsco | $54 |
| StateAuto | $45 |
Common GMC Acadia Insurance Discounts
Taking advantage of discounts is an excellent way to reduce your car insurance costs. While each insurance provider offers unique discounts, here are a few common ones to explore:
- Multi-policy Discount: Bundling your home and auto insurance with the same provider can often lower your rates.
- Pay-in-Full Discount: Paying your premium in one lump sum instead of monthly installments may qualify you for a discount.
- Defensive Driving Discount: Completing a certified defensive driving course can make you eligible for reduced rates.
Other discounts may also be available. It’s a good idea to consult your insurance agent, who can help identify discounts you qualify for.
Ways To Save On GMC Acadia Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your GMC Acadia insurance costs. Traffic violations, like speeding tickets or accidents, can significantly increase your premiums. For instance, GMC Acadia drivers with a single ticket may pay around $687 per month, while those with multiple accidents might pay an average of $126 per month.
In addition to maintaining a clean record, driving fewer miles annually can also reduce your insurance costs. Low-mileage drivers are considered less risky to insure since they spend less time on the road. For example, GMC Acadia drivers traveling 5,000–7,500 miles per year typically pay about $84 per month, compared to $90 per month for those driving over 10,000 miles annually.
Compare GMC Acadia To Other GMC Models
Looking for other GMC model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures provided in this guide may not match your personal results, as rates depend on individual factors.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A GMC Acadia?
Yes, you must show proof of insurance before driving your GMC Acadia off the dealership lot. It’s a good idea to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than relying on insurance provided by the dealership.
How Can You Get The Cheapest Insurance For Your GMC Acadia?
To find the most affordable insurance rates for your GMC Acadia, it’s essential to shop around and compare quotes from various providers. Tools like Insuranceopedia make this process easy by allowing you to compare multiple quotes directly on their website.
