How much is insurance on a GMC Acadia?
A 2024 GMC Acadia runs about $1,590 a year for a typical 45-year-old, $350 less than an average car of the same age, because of less damage to others' property and lower crash-repair losses. Putting a new 16-year-old on a family policy with the Acadia adds about $1,050 a year (#2 of 25 midsize SUVs we compare).
2024 GMC Acadia (Acadia AWD), national average
about $1,590 a year (about $135 a month)
Estimated range: $1,150–$2,150. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Acadia drops to about $1,490 (see the table below).
Priced for the 2024 Acadia AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Acadia's rank is the same in every state.
Why the GMC Acadia costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the GMC Acadia 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 64 for crash repairs and 30 for damage to others' property.
- Crash repairs (collision)fixing this car after a crashBetter than average36% better than average2nd best of the 25 midsize SUVs we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesInsufficient dataNo result from HLDI for this model
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultSubstantially better than average70% better than averagebest of the 25 midsize SUVs we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model
HLDI rates results within about 20% of average as “Average.”
HLDI doesn't publish a result for non-crash damage and injuries to others on this model, so they're marked “Insufficient data”.
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. HLDI publishes crash repairs but not non-crash damage for the Acadia, so we go by that one result: about 36% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 16% less than average: about $800 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Acadia, so we go by that one result: about 70% better than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 20% less than average: $790 a year vs $990.
In EPA size classes, the Acadia is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the GMC Acadia is benchmarked against midsize SUVs.
Matched to HLDI series “GMC Acadia 4dr 4WD” (HLDI, 2022–24 models).
A used GMC Acadia, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Acadia AWD (0–3 years old) | about $1,590 | about $790 | +$1,050 | about $4,570 |
 2022 Acadia AWD (4–7 years old) | about $1,500 | about $790 | +$990 | about $4,300 |
 2018 Acadia AWD (8–12 years old) | about $1,650 | about $960 | +$1,090 | about $4,730 |
 2013 Acadia AWD (13 or more years old) | about $1,490 | about $930 | +$980 | about $4,270 |
Our catalog covers the GMC Acadia across model years 2007–2027. Full coverage on a used 2013 Acadia (13 or more years old) runs about $1,490 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $930 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 GMC Acadia trims, full coverage goes from about $1,590 a year on the Acadia AWD to about $1,830 on the Acadia FWD, because HLDI's loss results differ by body, drive, or powertrain.
- Acadia AWD: about $1,590
- Acadia FWD: about $1,830
On a policy of their own with a 2024 GMC Acadia, a 22–25-year-old pays about $2,070 a year ($480 more than a 45-year-old), a 26–39-year-old about $1,770, and a driver 65 and older about $1,670.
Adding a 16-year-old with a GMC Acadia
Because the GMC Acadia starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,050 a year ($90 a month), $230 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,570 a year, about $3,520 more than sharing the family policy.
For adding a teen driver, the GMC Acadia ranks 2nd cheapest out of all 121 models we track. Stepping down to a used 2013 Acadia (13 or more years old) brings the teen add-on to about $980 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize SUVs
Among these 25 midsize SUVs, the GMC Acadia is the 2nd least expensive to insure. Right next to it are the Chevrolet Traverse (about $1,580 a year) and the Subaru Ascent (about $1,640).
2024 Chevrolet Traverseabout $1,580 (about the same)- 2024 GMC Acadiaabout $1,590 (this car)
2024 Subaru Ascentabout $1,640 (about the same)
2024 Honda Pilotabout $1,660 ($70 more)
2024 Honda Passportabout $1,720 ($130 more)
2024 Toyota 4Runnerabout $1,740 ($150 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a GMC Acadia costs in your state
In six sample states, a 2024 GMC Acadia runs from about $1,060 a year in Vermont through Kansas, Illinois, Oklahoma and Nevada to about $2,100 in New York:
- Vermontabout $1,060/yr · +$700 teen
- Kansasabout $1,310/yr · +$860 teen
- Illinoisabout $1,390/yr · +$920 teen
- Oklahomaabout $1,470/yr · +$970 teen
- Nevadaabout $1,770/yr · +$1,170 teen
- New Yorkabout $2,100/yr · +$1,380 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.