The GMC Acadia is a midsize SUV with three rows of seating. In addition to ample cabin space, the 2026 model offers more than 15 standard safety features and a 15-inch infotainment system. No matter which type of Acadia you drive, it needs to be protected with the right car insurance.
When it's time to get the best GMC Acadia insurance, an independent insurance agent can help you find coverage. These agents know which local carriers sell affordable, yet dependable GMC insurance. But first, here's a breakdown of how much it costs to insure a GMC Acadia by model year and top-rated insurance company in 2026.
Key Takeaways - GMC Acadia Car Insurance
GMC Acadia insurance costs an average of $1,920 per year, or approximately $160 per month, for full coverage in 2026.
GMC Acadia insurance rates vary widely by state, with good drivers in Michigan paying an average of $4,327 per year for full coverage, while those in Hawaii pay only $997.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 GMC Acadia insurance this year.
Teens and young drivers pay the most, on average, for GMC Acadia insurance, while adults pay the least until they reach age 65, and rates begin to climb again.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique GMC Acadia model.
What Is GMC Acadia Insurance?
GMC Acadia insurance is a type of car insurance policy that includes custom coverages tailored to your unique vehicle. As a mid-size SUV, the Acadia requires many of the same types of coverage as many other cars. However, the GMC Acadia's average insurance rates are actually lower than those for most other SUVs.
Recommended coverage options for GMC Acadia drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a GMC Acadia:
- GMC warranty insurance: This can extend GMC's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine GMC parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed GMC vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Most states have minimum car insurance requirements that you must meet by law or face penalties, such as fines. A local independent insurance agent can help you get equipped with all the mandatory GMC Acadia insurance in your area.
How Much Does GMC Acadia Insurance Cost?
The average cost of car insurance for a GMC Acadia is $1,920 per year, or approximately $160 per month, for full coverage. However, several factors can influence the cost of GMC insurance, including:
- The specific type of Acadia you drive
- Your claims history
- Your location
- Your driving history
- Your credit score (where allowed)
- The types and amount of coverage you need
An independent insurance agent can help you find cheap GMC Acadia insurance in your area.
Is the GMC Acadia Expensive to Insure?
Actually, no, the GMC Acadia isn't expensive to insure on average. The Acadia's average monthly rate for full coverage is $160, while the rate for other SUVs is $184. SUV enthusiasts can potentially save money on auto insurance by choosing a GMC Acadia.
GMC Acadia Insurance Costs by Model Year
Next, we'll break down several model years of the GMC Acadia and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 GMC Acadia | $1,922 |
| 2025 GMC Acadia | $2,169 |
| 2023 GMC Acadia | $1,098 |
| 2022 GMC Acadia | $894 |
| 2021 GMC Acadia | $914 |
| 2020 GMC Acadia | $773 |
| 2019 GMC Acadia | $531 |
| 2018 GMC Acadia | $582 |
| 2017 GMC Acadia | $774 |
| 2016 GMC Acadia | $604 |
| 2015 GMC Acadia | $462 |
| 2014 GMC Acadia | $428 |
| 2013 GMC Acadia | $450 |
| 2012 GMC Acadia | $442 |
| 2011 GMC Acadia | $538 |
| 2010 GMC Acadia | $483 |
Cheapest GMC Acadia Car Insurance Companies for 2026
You can find affordable GMC Acadia insurance from many auto insurance carriers. These top-rated car insurance companies provide the cheapest model-year 2025 GMC Acadia insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,710 |
| American Family | $1,808 |
| USAA | $1,903 |
| Nationwide | $1,941 |
| Erie | $2,207 |
| Allstate | $4,225 |
GMC Acadia Car Insurance Rates by State and Driver Profile
Your location, driving history, and credit can all have major impacts on the cost of your car insurance. Here are some average GMC Acadia car insurance rates by state for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,245 | $3,347 | $4,233 |
| Alaska | $1,909 | $2,662 | $2,527 |
| Arizona | $2,143 | $3,048 | $4,569 |
| Arkansas | $2,309 | $3,637 | $4,095 |
| California | $2,614 | $4,626 | $2,576 |
| Colorado | $2,478 | $3,387 | $4,319 |
| Connecticut | $3,074 | $4,780 | $6,069 |
| Delaware | $2,549 | $3,375 | $4,412 |
| Florida | $3,058 | $4,252 | $5,489 |
| Georgia | $2,445 | $3,723 | $3,752 |
| Hawaii | $997 | $1,356 | $993 |
| Idaho | $1,708 | $2,314 | $2,786 |
| Illinois | $1,802 | $2,714 | $3,154 |
| Indiana | $1,816 | $2,849 | $3,153 |
| Iowa | $1,503 | $1,986 | $2,368 |
| Kansas | $1,990 | $2,814 | $3,324 |
| Kentucky | $2,855 | $4,201 | $4,898 |
| Louisiana | $3,642 | $5,513 | $5,931 |
| Maine | $1,368 | $1,926 | $2,823 |
| Maryland | $2,199 | $3,219 | $3,635 |
| Massachusetts | $1,808 | $3,093 | $1,834 |
| Michigan | $4,327 | $6,593 | $10,319 |
| Minnesota | $1,771 | $2,345 | $3,315 |
| Mississippi | $2,179 | $3,022 | $3,091 |
| Missouri | $2,038 | $2,932 | $3,780 |
| Montana | $2,043 | $2,904 | $3,285 |
| Nebraska | $1,696 | $2,548 | $2,779 |
| Nevada | $2,880 | $4,221 | $4,442 |
| New Hampshire | $2,026 | $3,133 | $3,952 |
| New Jersey | $2,216 | $3,418 | $4,517 |
| New Mexico | $2,246 | $3,364 | $3,432 |
| New York | $2,056 | $2,598 | $4,388 |
| North Carolina | $1,314 | $2,250 | $1,593 |
| North Dakota | $1,794 | $2,711 | $3,164 |
| Ohio | $1,533 | $2,430 | $2,506 |
| Oklahoma | $2,488 | $3,625 | $4,032 |
| Oregon | $2,244 | $3,081 | $3,690 |
| Pennsylvania | $1,966 | $2,813 | $3,281 |
| Rhode Island | $3,174 | $4,726 | $5,320 |
| South Carolina | $2,196 | $2,972 | $4,202 |
| South Dakota | $1,913 | $2,838 | $3,275 |
| Tennessee | $2,341 | $3,390 | $4,513 |
| Texas | $2,318 | $3,367 | $4,200 |
| Utah | $1,953 | $2,804 | $3,840 |
| Vermont | $1,465 | $2,321 | $2,469 |
| Virginia | $1,378 | $2,147 | $2,148 |
| Washington | $1,913 | $2,577 | $3,098 |
| West Virginia | $1,883 | $2,748 | $3,379 |
| Wisconsin | $1,940 | $2,958 | $3,424 |
| Wyoming | $1,787 | $2,521 | $2,591 |
Average GMC Acadia Insurance Rates by Driver Age and Profile
A driver's age also plays a major role in calculating car insurance premiums. Around age 25, car insurance rates tend to drop dramatically until the driver reaches about age 65, then gradually climb again.
In addition, accidents or other traffic violations can increase your premium rates, as can poor credit. Here are some average GMC Acadia insurance rates by driver age and profile in 2026.
| Driver Age | Clean History | Accident on Record | Poor Credit |
| 18 | $6,808 | $9,973 | $11,688 |
| 20 | $5,206 | $7,737 | $9,022 |
| 25 | $3,024 | $4,538 | $5,230 |
| 30 | $2,408 | $3,474 | $4,078 |
| 35 | $2,244 | $3,332 | $3,826 |
| 40 | $2,194 | $3,119 | $3,727 |
| 45 | $2,093 | $3,067 | $3,635 |
| 55 | $1,887 | $2,787 | $3,256 |
| 65 | $2,020 | $2,934 | $3,453 |
| 75 | $2,525 | $3,665 | $4,299 |
Best GMC Acadia Insurance Discounts: How to Lower Your GMC Acadia Insurance Premiums
Want to save even more money on your GMC insurance? Start by following any of these easy steps:
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest GMC Acadia insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing GMC Acadia insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Ask about telematics programs: Your insurance company or GMC may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about GMC Acadia insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
Local independent insurance agents know where to find the best rates and discounts for GMC Acadia insurance to help you save the most money possible.
An Independent Insurance Agent Can Help You Get the Best GMC Acadia Insurance Quotes
When it's time to find the most affordable GMC Acadia insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best GMC Acadia insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About GMC Acadia Insurance
How much does GMC Acadia insurance cost per year?
The average annual cost of full coverage for a GMC Acadia is $1,920 per year, or approximately $160 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase GMC Acadia insurance premiums?
Living in an area with high theft rates, filing multiple claims, having a poor driving record, or having poor credit can all increase GMC Acadia insurance rates.
Is the GMC Acadia expensive to insure?
No, the GMC Acadia is actually cheaper to insure than many other SUVs. While the GMC Acadia's average full coverage rates are just $160 per month, other SUVs average $184 per month.
What are the best and cheapest carriers for GMC Acadia insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 GMC Acadia insurance this year.
How can I get cheaper GMC Acadia insurance?
Finding cheaper GMC Acadia insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/gmc-acadia-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/gmc/acadia/