Jeep Grand Cherokee vs GMC Acadia Insurance Cost
The GMC Acadia is cheaper to insure by about $530 a year for full coverage by our estimate ($1,565 vs. $1,035), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Jeep Grand Cherokee | GMC Acadia | Difference |
|---|---|---|---|
| State minimum | $640 | $335 | +$305 |
| Standard (100/300/100) | $930 | $490 | +$440 |
| Full coverage | $1,565 | $1,035 | +$530 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Grand Cherokee minus Acadia.
Why one costs more to insure
| Factor | Jeep Grand Cherokee | GMC Acadia |
|---|---|---|
| Segment | Midsize SUV | Midsize SUV |
| Powertrains | Gasoline, Plug-in hybrid, Diesel, Flex-fuel | Gasoline |
| HLDI collision (100 = avg) | 81 | 64 |
| HLDI comprehensive | 105 | — |
| HLDI property damage liability | 111 | 30 |
| HLDI bodily injury liability | 115 | — |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 7 | 1 |
Collision losses are the biggest swing factor: the Jeep Grand Cherokee has 17 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Grand Cherokee vs Acadia insurance by state
By driver profile (full coverage)
| Driver | Grand Cherokee | Acadia |
|---|---|---|
| Teen driver (18, own policy) | $4,310 | $2,850 |
| Young adult (22) | $2,505 | $1,660 |
| Adult in their 30s | $1,565 | $1,035 |
| Adult in their 50s | $1,440 | $955 |
| Senior (72) | $1,755 | $1,160 |
| 30s, one at-fault accident | $2,270 | $1,505 |
| 30s, DUI on record | $2,900 | $1,915 |
More comparisons
Frequently asked questions
Is the Jeep Grand Cherokee or the GMC Acadia cheaper to insure?
By our estimate the GMC Acadia is cheaper, by about $530 a year for full coverage ($1,565 vs. $1,035) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Jeep Grand Cherokee and GMC Acadia?
Mostly because of insurance-loss history: HLDI collision indices of 81 vs. 64 and comprehensive indices of 105 vs. n/a (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.