How Much Does Insurance Cost for a GMC Acadia in Maryland?

How Much Does Insurance Cost for a GMC Acadia in Maryland?

Anytime the topic is auto insurance, the words cheap or affordable really should not be used anywhere in the article. Excuse the oxymoron, but cheap car insurance for a GMC Acadia is not easy to find. Don’t let that ruin your day, because there may be ways you can quote insurance that fits into your budget.

Finding cheap coverage for a GMC Acadia in Maryland hinges on a pretty complex algorithm that uses a lot of factors such as whether you are a new or experienced driver, if you have recent claims, and if you have a clean driving record. Drivers pay on average $940 per year to insure a GMC Acadia, but that is an estimation using cost data for a 50-year-old single male driver that purchased full comprehensive and collision coverage and $1,000 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you may not be 50 years old (or even male), possibly married instead of single, or maybe your Maryland zip code is rated cheaper than the example. There is no “one size fits all” policy, so your best chance at finding cheap auto insurance rates for your GMC is to comparison shop your policy at each renewal.

Insure Your GMC for Less

The trim level of your Acadia will likely have an effect on the coverage cost, so the price to insure a Acadia SL 2WD trim level will be $102 lower than the insurance cost for the more well-appointed Acadia SLT AWD trim level, as demonstrated by the prices below.

GMC Acadia Insurance Rates in Maryland
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $146 $282 $458 $28 $138 $1,052 $88
Acadia SL AWD $166 $282 $458 $28 $138 $1,072 $89
Acadia SLE 2WD $166 $282 $458 $28 $138 $1,072 $89
Acadia SLE AWD $166 $342 $458 $28 $138 $1,132 $94
Acadia SLT 2WD $166 $342 $458 $28 $138 $1,132 $94
Acadia SLT AWD $188 $342 $458 $28 $138 $1,154 $96
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in specific garaging location which can lower or raise price quotes significantly.

Ratings for Maryland car insurance companies

Ending up with a highly-rated car insurance provider can be a challenge considering how many companies there are in Maryland. The company information in the next section could help you decide which companies you want to consider when insurance shopping for a GMC Acadia. The rankings below include companies with a national presence, so smaller regional companies are not included in these rankings.

Top Ten Car Insurance Companies in Maryland
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

Responsible drivers pay cheaper car insurance rates

The common sense way to enjoy good car insurance prices for an Acadia is to be a careful driver and avoid traffic citations and accidents. The example below illustrates how violations and accident claims can drive up insurance premiums for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

The chart shows that the average cost of a car insurance policy in Maryland per year with no accidents and a clean driving record is $1,431. Add in two speeding tickets and the average cost increases to $2,020, an increase of $588 each year. Then add in one accident along with the two speeding tickets and the yearly cost of car insurance for a GMC Acadia jumps again to an average of $2,619. That’s an increase of $1,188, or $99 per month, just for not driving responsibly!

Discount Maryland insurance

Discounts on car insurance for a GMC AcadiaAuto insurance companies that sell cheap insurance for a GMC Acadia in Maryland may also provide special discounts that can lower rates by 25% or more if you meet specific criteria. A few of the larger companies and their possible discounts include:

Auto Insurance Discounts Available by Company
Discount Allstate Geico Progressive State Farm
Bundled policies Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes
Theft prevention Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes
Passive restraint Yes Yes No Yes
Daytime running lights No Yes No Yes
Newer vehicle Yes No No Yes
Safe driver Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes
Low mileage Yes No Yes Yes
Active duty military No Yes Yes Yes
Professional affiliation No Yes No No
Paid in full Yes Yes Yes No
Email statements Yes Yes Yes No
Brand loyalty No No Yes Yes
Smart student Yes Yes Yes Yes
Student at college Yes No Yes Yes
Own a home No No Yes No
Seat belt use No Yes No No
Online rate quote No No Yes No
Teen driver No No Yes No
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The information below illustrates the difference between insurance costs with and without some available policy discounts. The prices are based on a female driver, no violations or claims, Maryland state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, multiple vehicle, vehicle safety, multiple policy, anti-theft, and accident-free discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for a GMC Acadia is 32% or $974.

Who has the cheapest GMC Acadia insurance quotes?

There are quite a few ways to get affordable car insurance quotes in Maryland, but the most common are either through an exclusive insurance agency such as Auto-Owners or State Farm, a non-exclusive or independent agent, or direct either online or via phone. They all have the same end result, but they differ slightly in how they provide price quotes.

Independent agencies work for many companies and can get policy pricing from every one. These agents have the option to provide you with more rates, which may give you a better overall rate comparison. If you want to switch companies, your agent can just switch to a different company which prevents you from having to find a new agency.

An exclusive ageny is usually just provide rates from one company, for example a State Farm or Liberty Mutual agent. These agents usually cannot place coverage with different providers, so you will not be able to compare other companys’ rates.

The third popular method of shopping for car insurance is direct, which means you bypass either of the other two types of agents and instead shop direct from companies such as Progressive or Geico. Shopping for car insurance direct may be preferred by families who do not need complex risk management and have a good understanding of what limits they need.

So which of the methods works best to find cheap insurance for a GMC Acadia in Maryland? It would be premature to say buying direct results in the cheapest rates since there is no middleman, but that turns out to not be true. A valid argument could also be made that going through an independent agent can save the most money because you have more choices, but that is not accurate either. In many cases, exclusive agents have extremely competitive rates that other companies cannot beat.

Since car insurance prices are based on many different factors, the best way to make sure you’re not overpaying for car insurance is to get quotes and compare. Make the effort to get price quotes all three ways to give yourself the best selection. For a list of companies offering online discounts, click here to view.

Ideas to find budget-friendly insurance for a GMC Acadia

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching ideas that can help Maryland drivers locate cheap car insurance.

  • Safe vehicles generally have lower rates
  • Buying home and auto together can help save money
  • Avoid getting citations and tickets
  • Avoid filing small claims
  • Do not get into accidents that are your fault
  • Shop around for cheaper rates regularly

The final tip is highly necessary, as was discussed in the prior article. Rates fluctuate constantly, so drivers shouldn’t be resistant to switch carriers if a lower price can be found. Staying with the same company for years is fine, but it isn’t a good idea if your bullheadedness ends up costing you money that could be used for better things. In just a couple of minutes you could compare rates and find cheaper insurance for a GMC Acadia.