How much does insurance cost for a 2019 GMC Acadia?

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When people shop for a car, most focus on the sticker price, fuel economy, or the features that stand out. But insurance is another big part of the total cost of ownership – and it can change quite a bit from one driver to the next.

For a 2019 GMC Acadia, what you’ll pay depends on the type of policy you carry. State-minimum liability is the cheapest option, averaging $652 per year ($54 per month).

Full coverage – which includes liability, collision, and comprehensive – costs closer to $1,989 per year ($166 per month) based on limits of 100/300/100 with $500 deductibles.

2019 GMC Acadia insurance premiums by state

Location is one of the biggest factors in your premium. ZIP codes matter as much as driving history. That’s why the cost to insure a Acadia in California may look very different from the price in Florida.

Below, you’ll find the states where 2019 GMC Acadia insurance is cheapest, and where it’s most expensive.

Cheapest states to insure a 2019 GMC Acadia

Idaho has the lowest average premium for 2019 GMC Acadia drivers at $1,227 per year ($102 per month). Other affordable states include Hawaii, Vermont, Maine, and Ohio.

The table below shows the cheapest states to insure a 2019 GMC Acadia.

State name	Average annual premium
Idaho	$1,227
Hawaii	$1,257
Vermont	$1,261
Maine	$1,295
Ohio	$1,351

Most expensive states to insure a 2019 GMC Acadia

On the flip side, Louisiana is the most expensive state, with an average annual premium of $3,284. It’s followed by Georgia ($2,883 a year) and Florida ($2,807 a year).

The table below shows which states have the most expensive 2019 GMC Acadia insurance rates.

State name	Average annual premium
Louisiana	$3,284
Georgia	$2,883
Florida	$2,807
Texas	$2,745
California	$2,650

Breaking down 2019 GMC Acadia insurance cost by trim level

Insurance costs don’t just depend on the make and model of your car – the trim level you choose can also affect your premium. Higher trims often come with bigger price tags, more powerful engines, or advanced tech features, all of which can raise the cost of coverage.

Below, you’ll see how car insurance rates for the 2019 GMC Acadia compare across trim levels.

Trim	Average annual premium
Acadia Denali	$2,078
Acadia SL	$1,858
Acadia SLE-1	$1,971
Acadia SLE-2	$1,962
Acadia SLT-1	$1,997
Acadia SLT-2	$2,033

Factors that influence 2019 GMC Acadia insurance premiums

Premiums for a 2019 GMC Acadia aren’t one-size-fits-all. They change based on the car itself, who’s driving it, and the policy you choose. Here are some of the main factors.

Vehicle-related factors

Vehicle value. Newer or higher-priced models are more expensive to insure.
Repair costs. Cars with above-average parts or repair expenses carry higher premiums.
Safety ratings. Good crash-test scores and advanced safety features can lower costs.
Theft risk. If a model is frequently stolen, insurers raise the price to cover the risk.

Driver-related factors

Age and gender. Younger, less experienced drivers usually pay more.
Location. Urban drivers see higher rates than those in rural areas.
Driving history. Clean records help lower premiums, while tickets and accidents raise them.
Annual mileage. The more miles you drive, the greater the risk – and the higher the cost.

Policy-related factors

Coverage level. Full coverage policies cost more but offer broader protection.
Deductible amount. Higher deductibles reduce premiums but mean higher out-of-pocket costs after a claim.
Optional add-ons. Things like roadside assistance, gap insurance, or rental reimbursement add convenience but also add to the bill.

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Cheapest insurance companies for a 2019 GMC Acadia

GEICO offers the lowest average premium for a 2019 GMC Acadia at $1,680 per year. Other companies with competitive rates include State Farm, Progressive, and Nationwide.

The table below shows the companies with the most affordable 2019 GMC Acadia insurance rates.

Company group	Average annual premium
GEICO	$1,680
State Farm	$1,835
Progressive	$1,927
Nationwide	$1,949
Farmers	$2,301
Allstate	$2,319

How to lower 2019 GMC Acadia insurance premiums

Here are some ways to lower your auto insurance rates.

Shop around for quotes. Compare rates from multiple insurers, since each company evaluates risk differently.
Adjust your coverage. If your vehicle is older or you don’t drive often, you may save by lowering your limits or dropping extras you don’t need.
Raise your deductible. A higher deductible means paying more out of pocket after a claim, but it usually lowers your monthly premium.
Take advantage of discounts. Look for savings tied to safe driving, bundling home and auto, low mileage, or built-in safety features.
Keep a clean driving record. Avoiding accidents and tickets is one of the most reliable ways to keep premiums low.
Consider usage-based insurance. Some insurers offer telematics programs that track driving habits and reward safe drivers with discounts.

Acadia insurance premiums by model year

Insurance rates also change depending on the model year. Newer vehicles typically cost more to cover because they have higher values and more complex technology, which can make repairs expensive. Industry-wide labor and repair costs have also risen over time, driving premiums higher across all years.

Below, you can compare average insurance premiums for the 2019 GMC Acadia by model year.

Model year	Average annual premium
2014	$1,690
2015	$1,766
2016	$1,805
2017	$1,879
2018	$1,927
2019	$1,989
2020	$2,051
2021	$2,130
2022	$2,216
2023	$2,279
2024	$2,420

How expensive is it to insure a 2019 GMC Acadia?

On average, insuring a 2019 GMC Acadia costs $1,989 per year, which is $230 less than the national average of $2,219.

Insurance premiums vary widely, but comparing multiple quotes is the best way to make sure you’re paying a fair price while still getting strong protection.

Methodology

Insure.com commissioned Quadrant Information Services to gather insurance rates for new and used vehicles. Rates are based on a 40-year-old male driver with full coverage (100/300/100 limits and $500 deductibles for collision and comprehensive). The data set includes 1,661 makes and models, more than 67 million quotes from 57 companies, and 510 ZIP codes nationwide. These numbers are for comparison purposes only – your actual rate may differ.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

2019 GMC Acadia insurance premiums by state
Breaking down 2019 GMC Acadia insurance cost by trim level
Factors that influence 2019 GMC Acadia insurance premiums
Cheapest insurance companies for a 2019 GMC Acadia
How to lower 2019 GMC Acadia insurance premiums
Acadia insurance premiums by model year
How expensive is it to insure a 2019 GMC Acadia?
Methodology