Car Insurance

GMC Acadia Car Insurance Rates

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at, and editor at 4 minute read

We found that the cost of GMC Acadia Car Insurance is about $1,632 a year on average. A lot of things, like your driving record, the number of miles you drive each year, and your age, affect how much you pay. Age, race, and ethnicity are some of the things that can affect how well you do.

How to compare insurance for the GMC Acadia

GMC Acadia Car Insurance Rates - GMC Acadia Car Insurance Logo

You should keep the following things in mind when you’re looking at GMC Acadia insurance options.

  • Price. The best way to get the best deal on your insurance is to look into any discounts that may be available to you.
  • Deductible. Take a higher deductible, which means you’ll have to pay more before your insurance starts paying for things like damage to your home or medical costs. This will help you save money each month.
  • Coverage. Make sure that your insurance meets at least the bare minimums set by your state’s insurance department. Make sure your car has collision and comprehensive insurance if it has a higher-end trim package.
  • Gifts from the creator. The free 24-hour roadside assistance service from GMC is available to anyone who owns a GMC car that was made in 2007 or later. You don’t have to pay extra for it.

What factors affect car insurance for the GMC Acadia?

Because of its good dependability and safety ratings, and because it is a mid-range compact SUV, make sure your GMC Acadia isn’t too pricey.

People who want to buy this car can choose from six different trim levels, and which one they choose could affect how much their insurance costs. You can get all of these models when you buy the new GMC Acadia in 2018.

You can choose from a Denali model if you want to buy a new GMC Acadia in 2018. If your car is worth a lot, your insurance costs are likely to go up as well. Choose an Acadia SL over a Denali, and you might save a lot of money on insurance each month.

In the Acadia model line, you can choose between front-wheel drive (FWD) and all-wheel drive (AWD) (AWD). If your car has an all-wheel drive, you may be able to get a discount from your car insurance company (AWD).

Driver factors and insurance costs

Auto insurance costs aren’t just based on the type and model of your car. There are other things that can affect how much your insurance costs, too.

Your credit score affects how much you pay for car insurance in most places, except Hawaii, Massachusetts, and California, where it doesn’t. This is because research shows that having bad credit makes it more likely that you will file a claim.

Does the GMC Acadia qualify for discounts?

As an added bonus, the GMC Acadia comes equipped with many safety features that may reduce your premiums on auto insurance, such as:

  • A Teen Driver feature that lets parents set speed and volume limits for other drivers
  • Lane change alerts
  • Rear cross-traffic alerts
  • Forward collision alerts
  • Front pedestrian braking
  • Rear park assist
  • A rearview camera
  • Airbags

Remember that not all Acadia trim packages have driver-assist safety systems, so be sure to verify your car’s specs to make sure you’re saving money on insurance.

Reliability and safety ratings for the GMC Acadia

The Acadia, like other GMC cars, is known for its dependability and safety, just like other GMC cars. In general, the NHTSA gives the 2018 AWD GMC Acadia 5 stars for safety, but the FWD version only gets 4 stars.

According to JD Power, current Acadia models have a 4 out of 5 rating for dependability, but older models have a lot of customer complaints about reliability.

GMC Acadia recalls

They’ve been the subject of two recalls so far:

  • Powertrain issues. People who drive may be more likely to have an accident if the driveshaft assembly comes apart.
  • The fuel system. If the fuel pump moves out of place, the high-pressure fuel line could be damaged, which could cause a fire.

The GMC Acadia series maintenance

Costs for things like oil changes, brake pad replacements, and tire rotations for your GMC Acadia should be in line with national prices. The GMC Acadia, on the other hand, isn’t as fuel-efficient as other SUVs like the Chevrolet Equinox and the GMC Terrain:

  • GMC Acadia. A combined gas mileage of up to 21/26 mpg is possible.
  • GMC Terrain. Up to 28 mpg in the city and 39 mpg on the highway.
  • Chevy Equinox. Up to 28 mpg in the city and 39 mpg on the highway.

What was GMC’s first SUV crossover?

In 2007, GMC sold its first SUV crossover. It was called the Acadia, and it went on sale that year. Insurers will pay less for the GMC Acadia because it doesn’t have a truck chassis like the Tahoe or Yukon. This means that its insurance costs will be less than for a full-size SUV or pickup. Due to the fact that bigger cars are more likely to cause serious injury or death when they hit each other.

Bottom line

Insurance for a GMC Acadia should be about the same as for a GMC Terrain, even though it will cost more. Depending on how much you care about saving money on your Acadia’s insurance, you could save hundreds of dollars a year if you haven’t bought it yet and you want to save money on your insurance.

To make sure you get the best deal on car insurance for your GMC Acadia, shop around and compare prices from different insurance providers.

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