The average GMC Acadia car insurance cost per year averages at about $1,636 and rates can vary by state, driver age and coverage levels. Full coverage typically includes liability coverage as well as comprehensive (to repair/replace damage caused by events other than collision) and uninsured/under-insured motorist protection coverage.
Pricey GMC Acadia auto insurance policies depend on various rating factors, so quotes can differ widely depending on who you choose to cover you. The easiest way to find an economical policy is by using our comparison tool and comparing multiple companies at once.
Liability
GMC Acadia owners should expect to pay about $85 monthly for liability only car insurance and $135 for full coverage, with Clearcover offering an affordable coverage option at $26 monthly for liability only coverage. Other insurers such as MetLife and Safeco provide affordable coverage options as well. Bundling all your policies together could reduce premiums up to 35%!
Collision and comprehensive are the two types of coverage most impacted by your car's value. Vehicles with greater repair costs or increased chances of theft usually cost more to insure than lower priced models; such as the 2020 Acadia with its MSRP of $34,900 which falls in between mid and higher-priced models.
Whatever car model they drive, all drivers can take steps to lower their insurance rate by being good drivers, maintaining a clean driving record, and qualifying for as many discounts as possible. There are a variety of tools that can assist drivers with estimating the true cost before purchasing or renewing policies.
A key step to lowering your GMC Acadia car insurance rate is shopping around and comparing quotes from multiple providers. Use quote calculators or apps for fast and easy comparison of rates; make sure to factor in safety features that may qualify for discounts such as blind-spot detection systems, lane departure warning systems and anti-theft devices as these may qualify for discounts as well.
As well as comparing quotes, another effective way to lower GMC Acadia car insurance is selecting higher liability limits and reduced deductibles. By taking the time to shop around and compare rates, you'll find a policy that meets your needs while keeping costs as low as possible. We suggest doing this annually or every renewal, especially since car insurance rates change so frequently.
Comprehensive
GMC Acadias are midsize SUVs considered average vehicles by insurance companies, which means that their accident losses and property damage losses tend to be relatively low - making them lower risk cars to insure. Your individual rates for GMC Acadia insurance may depend on factors like age, state of residence, driving history and type of coverage selected - though by shopping around and increasing your deductible amount you could save money!
Insurance providers use complex formulas to calculate car premiums. Factors considered include your age, gender, driving history, the mileage driven annually and whether or not it has a clean driving record. Some insurers also take into account factors like price of GMC Acadia model as well as safety features and transmission type such as manual or automatic.
Your credit score has an enormous influence on your rate. The higher it is, the less expensive auto insurance premiums will be. A great way to build it faster and boost it further is avoiding late payments and clearing debts as soon as they're due.
Other factors that could impact GMC Acadia insurance premiums include how often and where you drive. If you live in a high traffic city, your rates will likely be higher than in rural areas; similarly, multiple violations on your driving record could increase premiums as could being involved in an accident with another vehicle.
MetroMile offers liability only policies starting at just $23 a month for GMC Acadias, while DirectGeneral, WesternStar and StateAuto also provide affordable options. Be sure to shop around before making your final decision; it could save money! Enter your ZIP code below for instantaneous customized quotes in minutes or call your chosen provider and see what discounts they may provide.
Collision
GMC Acadia drivers who opt for full coverage should anticipate paying approximately $192 monthly or $1,632 annually in premiums for liability insurance - which covers damage done to other vehicles or their occupants due to accidents you cause. As one might expect, high-risk vehicles typically cost more to insure.
Drivers with impeccable records tend to find low-cost liability coverage for their vehicles. But those involved in accidents or even just one ticket could see their car insurance rates skyrocket significantly. One way of lowering this rate would be increasing your deductible; but doing so may bring risks as well.
Car insurance premiums vary based on both make and model of a vehicle, with statistics used by insurers to gauge repair costs post-accident and how likely a vehicle is to be stolen or damaged. Luxury vehicles tend to cost more for coverage while SUVs or pickup trucks tend to be less costly.
Importantly, vehicle age can have a direct bearing on its insurance costs. Newer cars typically cost more to insure due to being worth more and being likely to require repairs after an accident has taken place.
When shopping for GMC Acadia insurance, make sure to compare quotes from multiple providers in order to find the best rates tailored specifically to your situation. Use online tools such as our free comparison tool to help narrow down your options; just enter your ZIP code and get personalized quotes within minutes; from there, choose which policy best meets your needs! You can even enter current coverage details so you have an accurate picture of how much GMC Acadia will cost to insure so you can make informed decisions regarding what coverages to purchase and which deductible best meets them - good luck!
Uninsured/Underinsured Motorist
GMC Acadia insurance rates can fluctuate considerably based on a range of factors, including the driver's personal information and driving history, gender and age as well as make/model/option options such as uninsured/underinsured motorist coverage.
One of the key variables when it comes to GMC Acadia car insurance prices is your state of residence. A middle-aged driver in New Hampshire could expect to pay around $900 annually while Florida and Michigan residents could need to spend much more. Since policies can differ so widely from company to company, it is wise to compare quotes from multiple providers before making your choice.
Another element is a driver's individual details, including their credit score and driving record. Driving safely and responsibly is vitally important; even just one speeding ticket or other violation can drastically increase car insurance rates. A clean driving record is key to finding affordable GMC Acadia auto insurance policies; drivers should refrain from engaging in risky behaviors such as drinking while driving or distracted driving to help keep premiums down.
Model of vehicle also plays a factor in GMC Acadia insurance costs, with certain trim levels and models more expensive to insure than others. The SLE 2WD tends to be the least costly model to cover while Denali AWD coverage will probably cost the most.
Comprehensive coverage, or other than collision, is another optional coverage choice available to GMC Acadia owners. This type of policy covers repair or replacement expenses in case of an accident regardless of who caused it; it could be particularly useful if your older vehicle may no longer be worth repairing after being involved in an incident.
GMC Acadia insurance rates can also be affected by other factors, including driver habits and policy deductibles and limits. Drivers can save money by raising their deductible, shopping around for the best rate and adding safety features to their vehicle.