- GMC Acadia insurance costs an average of $1,832 per year on average, or about $153 per month for a policy with full coverage.
- The Acadia Elevation trim level is the cheapest to insure at around $1,748 per year, or $146 per month.
- The model with the most expensive insurance is the Denali at $1,920 per year, or around $160 per month.
- When compared to other midsize SUVs, the 2024 GMC Acadia is one of the cheaper midsize SUVs to insure, costing $42 less per year than the segment average.
How much does GMC Acadia insurance cost?
GMC Acadia car insurance costs on average $1,832 annually for full coverage, or $153 each month. With the average midsize SUV costing $1,874 a year to insure, the GMC Acadia could save roughly $42 on an annual basis over comparable models.
When compared to all vehicles, not just midsize SUVs, insurance for an Acadia costs $51 less per year than the all-vehicle national average of $1,883.
The following chart displays the range of car insurance costs for a 2024 GMC Acadia using a variety of different risk scenarios.
The above chart displays a very small number of values from an extremely large data set. If the data included all rates for every possible combination of rating factors, including all four Acadia trim levels and every zip code in the U.S., the chart would have approximately 387,072,000,000 data points.
In order to help you grasp the full scope of car insurance rates on an Acadia, keep in mind that liability-only insurance for an Acadia in some parts of Wisconsin or Iowa may be as cheap as $234 a year, while a teenager with a couple of driving violations in some zip codes in Philadelphia, PA, could receive a car insurance bill for $13,585 a year for a policy with full coverage.
The following table shows average full coverage car insurance rates for the GMC Acadia for the 2007 to 2024 model years.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 GMC Acadia | $1,832 | $153 |
| 2023 GMC Acadia | $1,756 | $146 |
| 2022 GMC Acadia | $1,740 | $145 |
| 2021 GMC Acadia | $1,676 | $140 |
| 2020 GMC Acadia | $1,630 | $136 |
| 2019 GMC Acadia | $1,594 | $133 |
| 2018 GMC Acadia | $1,520 | $127 |
| 2017 GMC Acadia | $1,446 | $121 |
| 2016 GMC Acadia | $1,410 | $118 |
| 2015 GMC Acadia | $1,336 | $111 |
| 2014 GMC Acadia | $1,230 | $103 |
| 2013 GMC Acadia | $1,280 | $107 |
| 2012 GMC Acadia | $1,254 | $105 |
| 2011 GMC Acadia | $1,229 | $102 |
| 2010 GMC Acadia | $1,205 | $100 |
| 2009 GMC Acadia | $1,181 | $98 |
| 2008 GMC Acadia | $1,157 | $96 |
| 2007 GMC Acadia | $1,134 | $94 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all GMC Acadia trim levels for each model year. Updated February 23, 2024
What is the cheapest GMC Acadia insurance?
With average GMC Acadia car insurance rates ranging from $1,748 to $1,920 per year on average, the cheapest model to insure is the Elevation. The next cheapest Acadia to insure is the Elevation Premium at $1,808 per year.
The most expensive models of GMC Acadia to insure are the Denali and the AT4 at $1,920 per year. Those models will cost an extra $172 per year to insure on average.
Monthly insurance cost for a GMC Acadia ranges from $146 to $160 for full coverage, depending on the exact model you’re insuring. Older models may not justify the cost of keeping full coverage, so if you’re looking to save money on insurance, liability-only coverage may be an option.
The rate table below details average annual and 6-month policy costs, plus a monthly insurance rate, for each 2024 GMC Acadia package and trim.
| 2024 GMC Acadia Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Elevation | $1,748 | $146 |
| Elevation Premium | $1,808 | $151 |
| AT4 | $1,846 | $154 |
| Denali | $1,920 | $160 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated February 23, 2024
Is GMC Acadia car insurance expensive?
The GMC Acadia ranks 17th out of 34 total vehicles in the midsize SUV class. The Acadia costs an average of $1,832 per year to insure, while the segment median rate is $1,874 per year, making the Acadia $42 less per year on average.
Compared with popular models in the midsize SUV class, insurance for a GMC Acadia is:
- $214 more per year than the Subaru Outback
- $98 less per year than the Hyundai Santa Fe
- $272 less per year than the Ford Bronco
- $62 more per year than the Chevrolet Traverse
- $336 less per year than the Jeep Wrangler
When compared to all 2024 model year vehicles (not just midsize SUVs), GMC Acadia insurance costs 2.7% less than the national average car insurance rate of $1,883 per year.
The chart below shows how average insurance rates for a 2024 GMC Acadia compare against the 10 best-selling midsize SUVs. Following the chart, you will find an expanded table that illustrates insurance rankings for all 34 vehicles in the midsize SUV segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,512 | -$320 |
| 2 | Nissan Murano | $1,594 | -$238 |
| 3 | Subaru Outback | $1,618 | -$214 |
| 4 | Buick Envista | $1,622 | -$210 |
| 5 | Subaru Ascent | $1,652 | -$180 |
| 6 | Volkswagen Atlas | $1,684 | -$148 |
| 7 | Volkswagen Atlas Cross Sport | $1,690 | -$142 |
| 8 | Ford Explorer | $1,722 | -$110 |
| 9 | Toyota Highlander | $1,728 | -$104 |
| 10 | Toyota Venza | $1,732 | -$100 |
| 11 | Chevrolet Traverse | $1,770 | -$62 |
| 12 | Mitsubishi Outlander Sport | $1,782 | -$50 |
| 13 | Mitsubishi Outlander PHEV | $1,784 | -$48 |
| 14 | Kia Sorento | $1,800 | -$32 |
| 15 | Ford Edge | $1,802 | -$30 |
| 16 | Buick Enclave | $1,828 | -$4 |
| 17 | GMC Acadia | $1,832 | -- |
| 18 | Honda Pilot | $1,848 | $16 |
| 19 | Mazda CX-9 | $1,852 | $20 |
| 20 | Jeep Grand Cherokee | $1,898 | $66 |
| 21 | Nissan Pathfinder | $1,928 | $96 |
| 22 | Hyundai Santa Fe | $1,930 | $98 |
| 23 | Hyundai Palisade | $1,932 | $100 |
| 24 | Chevrolet Blazer | $1,958 | $126 |
| 25 | Kia Telluride | $1,978 | $146 |
| 26 | Toyota 4Runner | $2,036 | $204 |
| 27 | Mazda CX-90 | $2,044 | $212 |
| 28 | Toyota Grand Highlander | $2,066 | $234 |
| 29 | Kia EV9 | $2,080 | $248 |
| 30 | Tesla Model Y | $2,100 | $268 |
| 31 | Ford Bronco | $2,104 | $272 |
| 32 | Jeep Wrangler | $2,168 | $336 |
| 33 | Rivian R1S | $2,328 | $496 |
| 34 | Dodge Durango | $2,330 | $498 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated February 23, 2024
Some closing points about Acadia insurance include:
- Policy discounts save money. Discounts may be available if the policyholders insure their home and car with the same company, work in certain occupations, are military or federal employees, sign their policy early, or many other discounts which could save the average driver as much as $310 per year on the cost of insuring an Acadia.
- Citations and violations increase insurance cost. If you want the most affordable Acadia insurance rates, it’s necessary to drive conservatively. In fact, just one or two blemishes on your motor vehicle report could result in a rate increase of up to $478 per year. Being convicted of a serious infraction such as DWI and leaving the scene of an accident could raise rates by an additional $1,670 or more.
- A good credit rating can save money. In states that have car insurance regulations that allow an insured’s credit score to be used as a policy cost factor, drivers who have credit scores over 800 may see savings of $288 per year over a credit score between 670-739. Conversely, a weaker credit score could cost up to $333 more per year.
- Older drivers tend to pay less than younger drivers. The difference in insurance cost for a GMC Acadia between a 60-year-old driver ($1,522 per year) and a 20-year-old driver ($3,644 per year) is $2,122, or a savings of 82.2%.
- Increase deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $542 per year for a 20-year-old driver.
- Choosing a low deductible may not make good financial sense. Dropping your deductibles from $500 to $250 could cost an additional $292 per year for a 40-year-old driver and $568 per year for a 20-year-old driver.
- Insurance for teenage drivers is expensive. Average rates for full coverage Acadia insurance costs $6,459 per year for a 16-year-old driver, $6,239 per year for a 17-year-old driver, and $5,564 per year for an 18-year-old driver.