Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

GMC Acadia insurance rates

What to expect when insuring this midsize SUV

Get the cheapest quotes on your auto insurance

Enter your ZIP code to see insurers near you.

Your information is secure.

According to our research, the average cost to insure a GMC Acadia is around $136 a month, or $1,632 a year. Your actual cost will vary depending on your driving record, the number of miles you drive in a year, your age. gender and other factors. Filter car insurance companies by your state to get a quote.

ModelMonthly insurance rateBase car price
Acadia Limited$133$43,850
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
loan/lease coverage
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The Zebra
All 50 states
All 50 states and DC
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Get the cheapest quotes for your GMC Acadia

Enter your zip code to compare providers in your area.

Your information is secure

How to compare insurance for the GMC Acadia

When comparing insurance options for your GMC Acadia, consider these factors:

  • Price. When comparing providers, explore the different discounts you might qualify for to get the best value for your coverage.
  • Deductible. One way to lower your monthly premium is to take a higher deductible, meaning you’ll be on the hook for a larger amount before insurance starts covering property damage or medical bills.
  • Coverage. At the very least, make sure your insurance policy covers the state minimum requirements where you live. If you have an upgraded trim package, consider extra coverage options such as collision and comprehensive.
  • Manufacturer offers. All 2007 and newer GMC vehicles are covered by GMC’s free 24-hour roadside assistance program, so you won’t have to worry about adding this feature to your insurance policy.

What factors affect car insurance for the GMC Acadia?

Insuring your GMC Acadia shouldn’t cost a fortune, thanks to its high reliability and safety ratings, plus its status as a mid-range compact SUV.

This vehicle come in six different trim packages, which could slightly affect your insurance rates. The 2018 GMC Acadia is available in SL, SLE-1, SLE-2, SLT-1, SLT-2 and Denali trim levels. Usually, the more expensive your vehicle, the higher your insurance premium. If you go with an Acadia SL instead of an Acadia Denali, you could save a few bucks on insurance each month.

Additionally, Acadia models come available in either front-wheel drive (FWD) or all-wheel drive (AWD). Insurance companies might give you a slight break on your premium if your car is equipped with AWD.

Driver factors and insurance costs

Beyond the make and model of your vehicle, other factors like your age, gender, location, credit score and accident history can affect your car insurance rates.

In all states except Hawaii, Massachusetts and California, your credit score can play a role in the car insurance rate you receive. This is because independent studies have found that the lower your credit score is, the more likely you are to file a claim.

Does the GMC Acadia qualify for discounts?

Aside from scoring a new car discount, the GMC Acadia comes with a number of safety features that could help you save on car insurance that includes:

  • 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

Keep in mind that not all driver-assist safety features come with every Acadia trim package, so check the specifications of your vehicle to make sure you’re saving as much as possible on insurance.

Reliability and safety ratings for the GMC Acadia

Like other similar GMC vehicles, the Acadia ranks high in both reliability and safety. The National Highway Traffic Safety Administration (NHTSA) gives the 2018 AWD GMC Acadia a 5 out of 5 overall safety rating, while the FWD model has a 4 out of 5 rating.

Similarly, JD Power gives newer Acadia models a 4 out of 5 reliability rating, although there are quite a few consumer complaints about reliability issues with older models.

GMC Acadia recalls

Currently, there are two recalls out for the 2017 and 2018 GMC Acadia:

  • Powertrain issues. The driveshaft assembly may separate while driving, increasing your risk of a crash.
  • Fuel system. The fuel pump may detach from its mount and damage the high pressure fuel line, increasing the risk of a fire.

The GMC Acadia series maintenance

You can expect to pay average costs for routine maintenance services like oil changes, brake pad replacements and tire rotation for the GMC Acadia. However, unlike similar SUVs like the Chevrolet Equinox and GMC Terrain, the GMC Acadia gets below-average fuel economy:

  • GMC Acadia: Up to 21 mpg in the city and 26 mpg on the highway.
  • 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?

The 2007 GMC Acadia was the first SUV crossover ever sold by GMC. Since the smaller Acadia is not built on a truck frame like the Chevy Tahoe or GMC Yukon, you can expect to pay a lower insurance rate than you would for a larger SUV or a full-size truck. This is because larger vehicles tend to cause greater damage in accidents, which translates to more expensive claims for insurance companies to pay out.

Bottom line

AInsuring your GMC Acadia should run about average, although it will probably cost just a bit more than insuring the similar GMC Terrain. If lowering your car insurance premium is important to you and you haven’t purchased your Acadia yet, consider the slight differences in insurance costs for the available trim packages, which could add up to a few hundred dollars per year in savings.

To make sure you’re getting the best rate and coverage for your GMC Acadia, compare car insurance rates from a few different companies before making a decision.

Frequently asked questions about the GMC Acadia

More guides on Finder

Ask an Expert provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site