Buying affordable car insurance for a GMC Acadia hinges on a complex formula that considers things such as whether you are married, your credit history, and driving violations and tickets. Drivers in Arizona will pay on average $656 a year to insure their Acadia, but that is a projection based upon a 50-year-old married female driver with full physical damage coverage and $500 deductibles.
Most likely you aren’t exactly 50 years old or even a female, single instead of married, or maybe you have a teenager that needs to be on your policy. This shows why the only way to find the cheapest rates for your GMC is to just take the time to compare rates yourself.
The specific trim level will have an impact the yearly cost, so the price to insure a Acadia SL 2WD will cost $86 less than the insurance cost for the higher-end Acadia SLT AWD model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Acadia SL 2WD | $126 | $214 | $282 | $16 | $84 | $722 | $60 |
| Acadia SL AWD | $146 | $214 | $282 | $16 | $84 | $742 | $62 |
| Acadia SLE 2WD | $146 | $214 | $282 | $16 | $84 | $742 | $62 |
| Acadia SLE AWD | $146 | $262 | $282 | $16 | $84 | $790 | $66 |
| Acadia SLT 2WD | $146 | $262 | $282 | $16 | $84 | $790 | $66 |
| Acadia SLT AWD | $164 | $262 | $282 | $16 | $84 | $808 | $67 |
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in vehicle location which can increase or decrease prices noticeably.
Establishing which companies offer the cheapest auto insurance rates for a GMC Acadia calls for a tad more effort than just comparing rates from one or two companies. Every car insurance company has a different process to set premium rates, so we will examine the auto insurance companies that tend to be cheaper in Arizona.
Find the Cheapest Car Insurance for Your Acadia
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | Progressive | $1,164 |
| 7 | GEICO | $1,166 |
| 8 | CSAA | $1,189 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,297 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,461 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,522 |
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The Hartford may have some of the cheapest car insurance rates in Chandler at around $811 per year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the best Chandler, AZ car insurance companies.
As illustrated above, if you buy coverage from USAA and switched to The Hartford, you could realize savings of about $269. Customers with Travelers might save as much as $275 a year, and Progressive policyholders might see rate reductions of $353 a year.
To get a fast rate comparison, click here to begin a quote or visit several of the following companies.
These premium estimates are averaged for all ages of drivers and types of vehicles and and are not figured with an exact zip code location for a GMC Acadia. So the company that can offer the best rates for your situation may not even be in the top 28 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own personal information and vehicle type.
The example below shows how choosing a deductible can influence premium costs when researching cheap insurance for a GMC Acadia. The information is based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
A 50-year-old driver could save $250 a year by increasing from a $100 deductible up to a $500 deductible, or save $378 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could save as much as $834 every year just by choosing larger deductibles.
When raising deductibles, it will be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Cost of full coverage in Chandler
Saving money on auto insurance is probably important to most people, and one of the fastest ways to buy cheaper insurance for a GMC Acadia is to only buy liability insurance. The information below illustrates the difference between premium costs when comparing full coverage to liability only. The premiums are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no policy discounts are applied.
As an average, comprehensive and collision coverage on your policy costs $1,676 per year more than just insuring for liability. That is a significant amount which raises the question if it’s a good idea to buy full coverage. There is no definitive formula of when to eliminate physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
Discount Chandler insurance
Insurance companies that provide coverage for a GMC Acadia may also give you price discounts that may potentially lower prices by as much as 35% or more if you meet certain criteria. A few of the larger companies and their possible discounts can be found below.
- Farm Bureau has discounts for multi-policy, driver training, 55 and retired, youthful driver, and good student.
- MetLife may include discounts for good driver, claim-free, defensive driver, accident-free, good student, multi-policy
- Progressive policyholders can earn discounts including multi-vehicle, online quote discount, online signing, multi-policy, continuous coverage, and homeowner.
- AAA offers premium reductions for good driver, anti-theft, AAA membership discount, multi-car, education and occupation, good student, and pay-in-full.
- American Family may have discounts that include good driver, air bags, accident-free, defensive driver, early bird, and multi-vehicle.
- GEICO offers discounts for military active duty, good student, seat belt use, daytime running lights, anti-lock brakes, membership and employees, and emergency military deployment.
- State Farm has savings for Steer Clear safe driver discount, good driver, passive restraint, driver’s education, multiple autos, Drive Safe & Save, and safe vehicle.
The chart below visualizes the comparison of insurance costs with and without discounts applied to the premium. The information is based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, multiple vehicle, safe-driver, vehicle safety, accident-free, and homeowner discounts applied. When these discounts are applied, theamount saved on auto insurance for a GMC Acadia is 28% or $520.