GMC Acadia Insurance Cost

Full coverage for a GMC Acadia costs about $1,035 a year ($86/month) by our estimate — ▼ −35% versus the average vehicle, ranking 1st cheapest of 310 current models.

GMC Acadia exterior (photo from Wikimedia Commons) — Photo: Deathpallie325, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

GMC Acadia insurance cost at a glance

Full coverage

$1,035

$86/mo · $850–$1,225

Minimum liability

$335

$28/mo

Segment

Midsize SUV

Gasoline

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2007–2027 model years of the GMC Acadia.

Estimated GMC Acadia premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$335	$28	$275–$395
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$490	$41	$400–$575
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,035	$86	$850–$1,225

What drives the cost of insuring a GMC Acadia

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The GMC Acadia's results put our vehicle factor at 0.55× for liability, 0.69× for collision and 0.95× for comprehensive.

HLDI relative insurance losses — GMC Acadia 4dr 4WD (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	64	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Property damage liability	30	Much better than average	Damage this car does to other vehicles and property

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
GMC Acadia 4dr 4WD	64	—	30	—
GMC Acadia 4dr	86	—	—	—

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 1 NHTSA recall campaigns and 71 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

GMC Acadia trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Acadia AWD	AWD	2.5L 4-cyl Turbo	21
Acadia FWD	FWD	2.5L 4-cyl Turbo	22

GMC Acadia insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.5L 4-cyl Turbo	AWD, FWD	21–22	$1,035
2026	2.5L 4-cyl Turbo	AWD, FWD	21–22	$1,010
2025	2.5L 4-cyl Turbo	AWD, FWD	21–23	$985
2024	2.5L 4-cyl Turbo	AWD, FWD	21–23	$960
2023	2.0L 4-cyl Turbo, 3.6L 6-cyl	AWD, FWD	21–25	$940
2022	2.0L 4-cyl Turbo, 3.6L 6-cyl	AWD, FWD	21–25	$915
2021	2.0L 4-cyl Turbo, 2.5L 4-cyl, 3.6L 6-cyl	AWD, FWD	21–25	$890
2020	2.0L 4-cyl Turbo, 2.5L 4-cyl, 3.6L 6-cyl	AWD, FWD	21–24	$865
2019	2.5L 4-cyl, 3.6L 6-cyl	AWD, FWD	20–23	$840
2018	2.5L 4-cyl, 3.6L 6-cyl	AWD, FWD	20–23	$815
2017	2.5L 4-cyl, 3.6L 6-cyl	AWD, FWD	17–23	$790
2016	3.6L 6-cyl	AWD, FWD	17–18	$765
2015	3.6L 6-cyl	AWD, FWD	19	$760
2014	3.6L 6-cyl	AWD, FWD	18–19	$760
2013	3.6L 6-cyl	AWD, FWD	18–19	$760
2012	3.6L 6-cyl	AWD, FWD	19	$760
2011	3.6L 6-cyl	AWD, FWD	19	$760
2010	3.6L 6-cyl	AWD, FWD	19	$760
2009	3.6L 6-cyl	4WD/AWD, FWD	19	$760
2008	3.6L 6-cyl	4WD/AWD, FWD	18–19	$760

GMC Acadia insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Acadia page for that state.

State	Full coverage	Minimum	vs. national	Acadia page
Alabama	$925	$265	−11%	Acadia in AL
Alaska	$905	$340	−13%	Acadia in AK
Arizona	$1,090	$360	+5%	Acadia in AZ
Arkansas	$960	$245	−7%	Acadia in AR
California	$1,000	$315	−3%	Acadia in CA
Colorado	$1,240	$355	+20%	Acadia in CO
Connecticut	$1,065	$390	+3%	Acadia in CT
Delaware	$1,105	$440	+7%	Acadia in DE
District of Columbia	$1,300	$405	+26%	Acadia in DC
Florida	$1,400	$590	+35%	Acadia in FL
Georgia	$1,235	$480	+19%	Acadia in GA
Hawaii	$710	$240	−31%	Acadia in HI
Idaho	$710	$220	−31%	Acadia in ID
Illinois	$910	$275	−12%	Acadia in IL
Indiana	$750	$220	−28%	Acadia in IN
Iowa	$770	$170	−26%	Acadia in IA
Kansas	$895	$220	−14%	Acadia in KS
Kentucky	$875	$290	−15%	Acadia in KY
Louisiana	$1,430	$435	+38%	Acadia in LA
Maine	$670	$235	−35%	Acadia in ME
Maryland	$1,140	$415	+10%	Acadia in MD
Massachusetts	$1,005	$325	−3%	Acadia in MA
Michigan	$1,130	$420	+9%	Acadia in MI
Minnesota	$915	$260	−12%	Acadia in MN
Mississippi	$1,030	$290	0%	Acadia in MS
Missouri	$980	$280	−5%	Acadia in MO
Montana	$900	$215	−13%	Acadia in MT
Nebraska	$895	$220	−14%	Acadia in NE
Nevada	$1,115	$475	+8%	Acadia in NV
New Hampshire	$740	$220	−29%	Acadia in NH
New Jersey	$1,185	$515	+14%	Acadia in NJ
New Mexico	$950	$285	−8%	Acadia in NM
New York	$1,340	$510	+29%	Acadia in NY
North Carolina	$800	$245	−23%	Acadia in NC
North Dakota	$735	$150	−29%	Acadia in ND
Ohio	$755	$220	−27%	Acadia in OH
Oklahoma	$990	$260	−4%	Acadia in OK
Oregon	$900	$345	−13%	Acadia in OR
Pennsylvania	$930	$235	−10%	Acadia in PA
Rhode Island	$1,205	$450	+16%	Acadia in RI
South Carolina	$1,090	$400	+5%	Acadia in SC
South Dakota	$915	$175	−12%	Acadia in SD
Tennessee	$885	$250	−14%	Acadia in TN
Texas	$1,275	$380	+23%	Acadia in TX
Utah	$910	$360	−12%	Acadia in UT
Vermont	$700	$175	−32%	Acadia in VT
Virginia	$890	$345	−14%	Acadia in VA
Washington	$875	$325	−15%	Acadia in WA
West Virginia	$915	$240	−12%	Acadia in WV
Wisconsin	$740	$205	−29%	Acadia in WI
Wyoming	$925	$180	−11%	Acadia in WY

GMC Acadia insurance by driver profile

Estimated annual GMC Acadia premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$925	$1,345	$2,850	$238
Young adult (22)	$540	$780	$1,660	$138
Adult in their 30s	$335	$490	$1,035	$86
Adult in their 50s	$310	$450	$955	$80
Senior (72)	$375	$545	$1,160	$97
30s, one at-fault accident	$490	$710	$1,505	$125
30s, DUI on record	$625	$905	$1,915	$160

GMC Acadia vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
GMC Acadia	$1,035	64	—	—
Jeep Wrangler	$1,355	47	42	Compare
Nissan Murano	$1,465	90	90	Compare
Jeep Grand Cherokee	$1,565	81	105	Compare

Estimate GMC Acadia insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

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Other GMC models

Terrain $1,480/yr
Yukon $1,315/yr
Yukon XL $1,560/yr
Canyon $1,320/yr
Sierra 1500 $1,605/yr
Sierra EV $1,600/yr
Hummer EV $1,495/yr
Savana $1,250/yr
Envoy $1,190/yr
Safari $1,220/yr
Sierra 2500HD $1,320/yr

All GMC insurance costs →

Frequently asked questions

How much is insurance for a GMC Acadia?

We estimate about $1,035 a year ($86 a month) for full coverage and $335 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 35% less than the average vehicle.

Is the GMC Acadia expensive to insure?

HLDI insurance-loss data rates it at 64 for collision and 0 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a GMC Acadia?

Maine has the lowest estimate (about $670 a year for full coverage) and Louisiana the highest (about $1,430).

What is the GMC Acadia's NHTSA safety rating?

The 2026 GMC Acadia earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the GMC Acadia cheaper to insure than the Jeep Wrangler?

By our estimate the GMC Acadia costs about $1,035 a year versus $1,355 for the Jeep Wrangler, making it the cheaper of the two to insure.

How much is GMC Acadia insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $2,850 a year at national-average rates by our estimate.

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.

Sources used on this page