GMC Terrain or Acadia: Which has Cheaper Car Insurance?

• When insurance rates for 2024 models are compared, a GMC Terrain costs less to insure than a GMC Acadia by an average of $168 per year.
• For the 2024 GMC Terrain, rates cost from $2,030 to $2,272 per year, while a 2024 GMC Acadia ranges from $2,210 to $2,430, depending on the exact model being insured.
• When compared to the national average cost of car insurance of $2,276 per year, the GMC Terrain costs $128 less per year, while the GMC Acadia costs an average of $40 more per year.

Does a GMC Terrain or Acadia have cheaper insurance?

Insurance cost for a 2024 GMC Terrain averages $2,148 per year, and insurance for a 2024 GMC Acadia averages $2,316 per year, making the GMC Terrain the cheaper model to insure by $168 per year.

Out of six GMC Terrain trim levels, the cheapest 2024 trim to insure is the SLE 2WD model at an average cost of $2,030 per year.

The 2024 GMC Acadia has four trims available, with the cheapest trim level to insure being the Elevation model at an average cost of $2,210 per year, or $184 per month.

When comparing both models at a trim-level basis, the lowest-cost model and trim level is the GMC Terrain SLE 2WD at an average rate of $2,030 per year. The most expensive vehicle to insure is the GMC Acadia Denali at an average of $2,430 per year.

The next table compares and ranks the annual and monthly cost of car insurance for 2024 GMC Terrain and GMC Acadia models, showing average cost for every trim level.

The chart below demonstrates the average cost to insure both models using drivers aged 20 to 50. For a 2024 GMC Terrain, insurance cost ranges from $1,906 to $4,248 per year for the age groups used in this illustration. A 2024 GMC Acadia costs from $2,058 to $4,606 to insure per year.

The two tables below display average cost to insure each trim level for a 2024 GMC Terrain and GMC Acadia, plus an average rate for each model. The winner for the 2024 car insurance rate comparison is the GMC Terrain.

2023 GMC Terrain vs. GMC Acadia

Average insurance rates for a 2023 GMC Terrain are $2,074 per year, while insurance for a 2023 GMC Acadia costs an average of $2,220 per year, making the GMC Terrain the model with the cheapest overall car insurance rates.

For the six trim levels available for the 2023 GMC Terrain, the cheapest model to insure is the SLE 2WD model at an average cost of $1,972 per year, or around $164 per month.

The 2023 GMC Acadia has seven trims available, with the cheapest model to insure being the SLE 2WD model at an average cost of $2,100 per year, or around $175 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the GMC Terrain SLE 2WD at an average of $1,972 per year. The overall most expensive vehicle to insure is the GMC Acadia Denali AWD costing an average of $2,328 per year.

The table shown below compares the yearly and monthly cost of car insurance for 2023 GMC Terrain and GMC Acadia models, broken down by individual trim level.

The next chart visualizes the average cost to insure the two models for four different driver age groups. For a 2023 GMC Terrain, the average car insurance cost ranges from $1,842 to $4,108 per year for the example age groups. A 2023 GMC Acadia costs from $1,972 to $4,454 to insure per year.

The next two rate tables show average car insurance rates for each trim level, plus an average rate for each model.

2022 GMC Terrain vs. GMC Acadia

Average insurance rates for a 2022 GMC Terrain are $2,016 per year, and a 2022 GMC Acadia averages $2,200 per year, making the GMC Terrain the model with better average insurance cost.

For a 2022 GMC Terrain, the cheapest trim levels to insure are the SLE 2WD, SLE AWD, and SLT 2WD. The lowest-cost GMC Acadia models to insure include the SLE 2WD, SLE AWD, and SLT 2WD. On a monthly basis, insurance rates for all 2022 GMC Terrain and GMC Acadia trim levels cost from $160 to $192 per month.

The rate table below compares the cost of car insurance for 2022 GMC Terrain and GMC Acadia models, with average rates for every trim level for each model.

The following chart shows the average cost to insure both models rated for different driver ages. Average car insurance cost ranges from $1,790 to $4,006 per year on the 2022 GMC Terrain, and $1,954 to $4,412 on a 2022 GMC Acadia for the age groups included in the chart.

For the six trim levels available for a 2022 GMC Terrain, the cheapest trim to insure is the SLE 2WD model at an average cost of $1,924 per year, or about $160 per month.

For the seven option levels available for the GMC Acadia, the cheapest 2022 model to insure is the SLE 2WD trim at a cost of $2,054.

When car insurance rates for all 13 trim levels for both vehicles are compared, the cheapest model and trim level to insure is the GMC Terrain SLE 2WD at an average cost of $1,924 per year. The most expensive vehicle to insure is the GMC Acadia Denali AWD costing an average of $2,306 per year.

The next tables display trim level insurance rates for each 2022 model, as well as an average rate for each model. The 2022 GMC Terrain defeats the 2022 GMC Acadia for cheapest car insurance rates.

2021 GMC Terrain vs. GMC Acadia

A 2021 GMC Terrain is $204 cheaper to insure per year on average than a 2021 GMC Acadia, a difference of 10.1%.

The chart shown below visualizes the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. Average insurance cost ranges from $1,706 to $3,824 per year for the 2021 GMC Terrain, and $1,884 to $4,260 on a 2021 GMC Acadia for the included driver ages.

For the seven trims available for a 2021 GMC Terrain, the most affordable trim to insure is the SL 2WD trim at an average cost of $1,738 per year.

For the eight trim and option levels available for a GMC Acadia, the cheapest 2021 trim package to insure is the SL 2WD trim at a cost of $1,890 per year, or about $158 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim level to insure is the GMC Terrain SL 2WD at an average of $1,738 per year, and the most expensive model and trim level is the GMC Acadia Denali AWD costing an average of $2,240 per year.

The next two rate tables break down trim level insurance cost averages for both 2021 models, including the average rate for each model.

2020 GMC Terrain vs. GMC Acadia

When comparing insurance cost for the 2020 GMC Terrain and GMC Acadia models, the GMC Terrain has cheaper rates by $188 per year.

The rate chart below shows the average cost to insure both 2020 models with different ages of drivers. For the 2020 GMC Terrain, average insurance cost ranges from $1,664 to $3,734 per year. Car insurance on the 2020 GMC Acadia costs from $1,832 to $4,138 on average per year.

For the seven trim levels available for a 2020 GMC Terrain, the most affordable trim level to insure is the SL 2WD model at an average cost of $1,690 per year. The 2020 GMC Acadia has eight trim levels available, with the lowest-cost model to insure being the SL 2WD trim at an average cost of $1,840 per year, or about $153 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim to buy insurance for is the GMC Terrain SL 2WD at a cost of $1,690 per year. The most expensive model and trim level is the GMC Acadia Denali AWD at a cost of $2,174 per year.

The rate tables below break down the average insurance cost by trim level for both 2020 models, including the average rate for each model. The winner for the 2020 car insurance comparison is the GMC Terrain.

2019 GMC Terrain vs. GMC Acadia

When comparing insurance rates for 2019 models, a GMC Terrain costs an average of $1,926 per year to insure while a GMC Acadia costs $2,014, making the GMC Terrain cheaper to insure by $88 per year for this comparison year.

The next chart shows the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. The average cost of car insurance ranges from $1,718 to $3,870 per year on a 2019 GMC Terrain, and $1,792 to $4,084 for the 2019 GMC Acadia for the driver examples in the chart.

Out of 11 trim levels for a 2019 GMC Terrain, the cheapest auto insurance rates are on the SL 2WD model at a cost of $1,742 per year, or about $145 per month. The 2019 GMC Acadia has eight different option levels available, with the lowest-cost trim level to insure being the SL 2WD model at an average cost of $1,810 per year, or around $151 per month.

When looking at the combined rates by trim for both models, the most affordable model and trim level to buy insurance for is the GMC Terrain SL 2WD at an average of $1,742 per year. The most expensive trim is the GMC Acadia Denali AWD at an average cost of $2,134 per year.

The two tables below display trim level insurance rates for each 2019 model, plus the average rate for each model. The winner for the 2019 car insurance cost comparison is the GMC Terrain.

2018 GMC Terrain vs. GMC Acadia

When comparing average insurance rates for 2018 models, a GMC Terrain costs an average of $1,846 per year to insure while a GMC Acadia costs $1,922, making the GMC Terrain more affordable to insure by $76 per year.

The next chart shows the average car insurance cost for the two models for a range of driver ages. For the 2018 GMC Terrain, average insurance cost ranges from $1,648 to $3,708 per year for the different drivers illustrated in the chart. Full-coverage insurance for the 2018 GMC Acadia ranges from $1,712 to $3,888 on average per year.

A 2018 GMC Terrain has 15 trim levels available, with the most affordable model to insure being the SL 2WD trim at an average cost of $1,676 per year, or about $140 per month.

A 2018 GMC Acadia has eight trim levels available, with the most affordable trim level to insure being the SL 2WD trim at an average cost of $1,738 per year, or around $145 per month.

When comparing both models combined at a trim-level basis, the cheapest vehicle to buy insurance for is the GMC Terrain SL 2WD at an average of $1,676 per year. The highest-cost model and trim level is the GMC Acadia Denali AWD costing $2,042 per year.

The next two tables break down average car insurance rates for every trim level for both 2018 models, plus the average rate for each model. The 2018 GMC Terrain wins the head-to-head comparison over the 2018 GMC Acadia for the cheapest average car insurance rates.

2017 GMC Terrain vs. GMC Acadia

A 2017 GMC Terrain is $66 cheaper to insure per year on average than a 2017 GMC Acadia, a difference of 3.7%.

The rate chart below visualizes the average cost to insure both 2017 models for a range of driver ages. For the 2017 GMC Terrain, the average cost of car insurance ranges from $1,576 to $3,538 per year for the included driver ages. A full-coverage policy on the 2017 GMC Acadia ranges from $1,628 to $3,702 on average per year.

Out of seven GMC Terrain trims, the most affordable 2017 trim level to insure is the SL 2WD model at an average cost of $1,638 per year, or about $137 per month. For the 10 trims available for a GMC Acadia, the lowest-cost 2017 trim level to insure is the SL 2WD model at a cost of $1,678.

When average insurance prices for all 17 trims of both models are combined and sorted by cost, the overall cheapest vehicle to put coverage on is the GMC Terrain SL 2WD at an average of $1,638 per year. The most expensive model and trim level is the GMC Acadia Denali AWD at an average of $1,964 per year.

The next tables display the average insurance cost by trim level for both 2017 models, plus the average rate for each model. The 2017 GMC Terrain has lower-cost car average car insurance rates than the 2017 GMC Acadia.

2016 GMC Terrain vs. GMC Acadia

A 2016 GMC Terrain costs $262 less per year to insure per year on average than a 2016 GMC Acadia, a difference of 15.9%.

The rate chart below visualizes the average car insurance cost for both 2016 models rated for multiple driver ages. For the 2016 GMC Terrain, average car insurance cost ranges from $1,362 to $3,008 per year for the five different driver ages shown in the chart. Full-coverage insurance for the 2016 GMC Acadia ranges from $1,590 to $3,600 on average per year.

Out of seven GMC Terrain trim levels, the cheapest 2016 trim level to insure is the SL 2WD model at an average cost of $1,358 per year.

For the six different trim levels available for the GMC Acadia, the most affordable 2016 model to insure is the SLE 2WD trim at a cost of $1,690.

When all 13 trims of both models are combined and compared, the cheapest model and trim level to insure is the GMC Terrain SL 2WD at an average cost of $1,358 per year, and the most expensive trim is the GMC Acadia Denali AWD at an average cost of $1,840 per year.

The next two tables show both 2016 models and all trim levels available for each one, along with the average rate for each model. The model with the cheapest average car insurance rates for 2016 is the GMC Terrain.

2015 GMC Terrain vs. GMC Acadia

For 2015 GMC Terrain and GMC Acadia models, the GMC Terrain is cheaper to insure by $214 per year.

The next chart illustrates the average car insurance cost for both 2015 models with different drivers at the wheel. The average cost of car insurance ranges from $1,320 to $2,950 per year on the 2015 GMC Terrain, and $1,508 to $3,408 on a 2015 GMC Acadia for these driver ages.

Out of six GMC Terrain trim levels, the lowest-cost 2015 trim to insure is the SLE 2WD model at an average cost of $1,396 per year, or around $116 per month. Out of the six trims available for the GMC Acadia, the cheapest 2015 model to insure is the SLE 2WD model at a cost of $1,610 per year, or about $134 per month.

When rates for all 12 trim levels for both 2015 models are compared, the cheapest vehicle to insure is the GMC Terrain SLE 2WD at a cost of $1,396 per year, and the highest-cost model and trim level is the GMC Acadia Denali AWD at an average of $1,748 per year.

The next tables illustrate the expected annual car insurance cost by trim level for both 2015 models, including the average rate for each model. The 2015 GMC Terrain has cheaper overall car insurance rates than the 2015 GMC Acadia.

Additional GMC Terrain and GMC Acadia Resources

• GMC Terrain Insurance Cost
• GMC Acadia Insurance Cost
• Small SUV Insurance Cost Comparisons
• Midsize SUV Insurance Cost Comparisons