Nissan Murano vs GMC Acadia Insurance Cost
The GMC Acadia is cheaper to insure by about $430 a year for full coverage by our estimate ($1,465 vs. $1,035), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Nissan Murano | GMC Acadia | Difference |
|---|---|---|---|
| State minimum | $565 | $335 | +$230 |
| Standard (100/300/100) | $820 | $490 | +$330 |
| Full coverage | $1,465 | $1,035 | +$430 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Murano minus Acadia.
Why one costs more to insure
| Factor | Nissan Murano | GMC Acadia |
|---|---|---|
| Segment | Midsize SUV | Midsize SUV |
| Powertrains | Gasoline, Hybrid | Gasoline |
| HLDI collision (100 = avg) | 90 | 64 |
| HLDI comprehensive | 90 | — |
| HLDI property damage liability | 84 | 30 |
| HLDI bodily injury liability | 101 | — |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 2 | 1 |
Collision losses are the biggest swing factor: the Nissan Murano has 26 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Murano vs Acadia insurance by state
By driver profile (full coverage)
| Driver | Murano | Acadia |
|---|---|---|
| Teen driver (18, own policy) | $4,020 | $2,850 |
| Young adult (22) | $2,340 | $1,660 |
| Adult in their 30s | $1,465 | $1,035 |
| Adult in their 50s | $1,345 | $955 |
| Senior (72) | $1,640 | $1,160 |
| 30s, one at-fault accident | $2,120 | $1,505 |
| 30s, DUI on record | $2,705 | $1,915 |
More comparisons
Frequently asked questions
Is the Nissan Murano or the GMC Acadia cheaper to insure?
By our estimate the GMC Acadia is cheaper, by about $430 a year for full coverage ($1,465 vs. $1,035) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Nissan Murano and GMC Acadia?
Mostly because of insurance-loss history: HLDI collision indices of 90 vs. 64 and comprehensive indices of 90 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.