A shiny new GMC Acadia comes with a manufacturer’s suggested retail price (MSRP) of $44,495 on the low end and up to $55,595 for the high-end Denali trim package.2 Here are average monthly quotes from a range of insurers for the 2025 Acadia.
Featuring abundant safety features and excellent crash-test ratings, the GMC Acadia is an affordable midsize SUV perfect for on-the-go families.1
The average monthly premium on a GMC Acadia is $91 for minimum coverage and $171 for full coverage, according to Insurify data. Your specific model year also weighs heavily into each insurer’s methodology for calculating your premium, with older models typically being cheaper to insure.
Here’s how much it costs to insure an Acadia and how to find the cheapest car insurance rates.
Cost of GMC Acadia insurance by model year
Car insurance premiums can vary widely based on the age of your GMC Acadia. In general, USAA offers the lowest rates, but coverage is available only to military members and their families. GEICO offers the next-cheapest rates and is widely available.
Here are the average rates for Acadias by model year.
Drivers who bought a new GMC Acadia in 2024 paid between $43,995 and $55,695. Currently, it has a depreciated MSRP of $41,183 for the base model.
Here’s a sampling of average quotes among insurers for this model year.
A new 2023 GMC Acadia would set you back between $38,195 and $51,945. Here are typical car insurance quotes for drivers buying a policy for a 2023 Acadia.
Dealerships rolled out new 2022 GMC Acadias with a price tag between $36,195 and $49,995. Costs vary depending on coverage options, marital status, gender, driver age, and more. Here are the average rates from top insurance companies.
The MSRP on a 2021 GMC Acadia was between $30,995 and $49,795. The basic model has a current depreciated MSRP of $23,906.
Here’s what the average insurance cost is for these SUVs today, based on quotes from popular insurance companies.
In 2020, a new GMC Acadia came with an MSRP ranging from $30,995 for the SL Sport Utility 4D package up to $49,495 for the Denali Sport Utility 4D trim level. Here’s what insurance companies are typically charging for this model today.
The 2019 GMC Acadia came with a starting MSRP of $30,195 and a top MSRP of $48,695.
Currently, it has a much cheaper MSRP of $18,374 for the base model. Companies typically charge the following auto insurance rates for this vehicle.
Buying a new Acadia in 2018 cost between $29,995 and $48,095, depending on the trim level you chose. Today, insurance companies offer the following car insurance quotes for the average Acadia driver.
The 2017 GMC Acadia was the first production year of the second-generation redesign. The vehicle manufacturer improved on overall reliability ratings, which is helping the car hold its long-term value better. It sold with an MSRP ranging from $29,995 to $47,995, depending on trim level.
Here’s what insurance companies typically charge for 2017 Acadias.
The 2016 model year was the last version of the first-generation GMC Acadia. Despite a reputation for poor long-term reliability, it still has a five-star safety rating from the National Highway Traffic Safety Administration. It sold with an MSRP ranging from $31,900 to $51,025 and has a current MSRP of $11,067 for the base model.
Here’s how much companies typically charge to insure a 2016 Acadia.
Average cost of GMC insurance by state
Insurance companies use your ZIP code when setting your rates, but an even bigger factor is which state you live in. Insurance laws vary by state, so it’s one of the biggest factors affecting your insurance cost.
Here’s how much it costs to insure a GMC across all models by state. Alaska and Hawaii aren’t included due to lack of data.
How to ensure you have enough coverage on your GMC Acadia
Your state dictates how much insurance you have to buy. It’s usually a certain amount of liability coverage, but your state may require additional coverages.
Additionally, if you’re leasing or paying off your vehicle, your lender may require you to carry full coverage, which includes collision and comprehensive coverage.
You can also purchase higher limits or other types of insurance coverage. It adds to your insurance cost but helps protect everyone further in the event of an accident.
Here are some common coverages to consider:3
GMC Acadia car insurance FAQs
If you’re looking for quick information on GMC Acadia insurance costs, here’s what you need to know.
USAA, GEICO, and State Farm offer the lowest average rates for GMC Acadias, according to Insurify data. It’s best to get car insurance quotes from a range of insurance companies, as the cheapest insurer for you depends on many factors.
Not necessarily. It costs $131 per month to insure an Acadia, on average.
GMC Acadias are about as expensive to insure as other midsize SUVs, like the Hyundai Santa Fe, Toyota Highlander, and Nissan Murano.
The average premium on a GMC Acadia is $91 per month for liability coverage and $171 per month for full coverage. It can vary based on many factors, like your vehicle age, mileage, state, driver profile, and more.
It depends on the model year. GMC Acadias underwent a major redesign in 2017 that improved their reliability. J.D. Power rated the 2022 model an 84 out of 100 for reliability (Great).
The 2016 model has a score of 74 (Average).4
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