Cheapest Insurance for a GMC Acadia in Michigan

When talking about auto insurance, the words cheap or affordable should not be used as a descriptor for car insurance rates. Notwithstanding, cheap auto insurance for a GMC Acadia is pretty hard to find. But don’t despair, because we will tell you how you can quote and buy coverage that is affordable.

The chances of finding cheap insurance for a GMC Acadia in Michigan depends upon many factors such as how old the Acadia is, your credit score, and if you had any at-fault accidents in the last few years. Drivers in Michigan will pay around $1,540 each year for Acadia insurance, but that rate is based on rate data for a 50-year-old married male driver who purchased both comprehensive and collision coverage and $500 policy deductibles.

There is a very good chance that you are not a 50-year-old male, maybe you are single instead of married, or you have a violation or two on your driving record. This shows why the way we recommend to find the cheapest coverage for your GMC is to do a thorough rate comparison. Quotes are always free and you will receive rate quotes from some of the most affordable companies that sell coverage in Michigan.

Compare GMC Acadia Insurance Rates

Your GMC’s trim level tends to have a direct effect on the cost of insurance, so the cost to insure a Acadia SL 2WD will be $198 cheaper than the cost to insure the high end Acadia SLT AWD version, as shown in the table below.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific location information which can decrease or increase coverage prices noticeably.

Best insurance company in Michigan

Choosing a highly-rated company is hard considering how many different companies insure vehicles in Michigan. The company rank data in the next section can help you select which auto insurers to look at shopping your coverage with. These ratings are only made up of companies that write coverage in many states, so companies that may only write in Michigan are not taken into consideration for this list.

Top 10 Large Auto Insurance Companies in Michigan Ranked by Value

1. The Hartford
2. Farmers Insurance
3. Safeco Insurance
4. AAA Insurance
5. 21st Century
6. Progressive
7. State Farm
8. American Family
9. GEICO
10. Liberty Mutual

Top 10 Large Auto Insurance Companies in Michigan Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Farmers Insurance
8. Allstate
9. Safeco Insurance
10. Liberty Mutual

Top Companies for GMC Acadia Insurance in Michigan

How to get discounts on Michigan insurance rates

Insurance providers that sell the cheapest insurance for a GMC Acadia in Michigan may have discounts that could potentially reduce rates by 30% or more if you meet the requirements. Popular insurance companies and a partial list of their discounts are detailed below.

• Farmers Insurance may have discounts that include electronic funds transfer, alternative fuel, business and professional, pay in full, youthful driver, bundle discounts, and switch companies.
• State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, accident-free, good student, student away at school, safe vehicle, and driver’s education.
• Liberty Mutual includes discounts for teen driver discount, new move discount, newly retired, multi-car, new vehicle discount, hybrid vehicle, and good student.
• MetLife offers discounts for multi-policy, good driver, good student, claim-free, and accident-free.
• Progressive has discounts for good student, homeowner, continuous coverage, online signing, online quote discount, multi-vehicle, and multi-policy.

The example below illustrates the difference between insurance premiums with and without discounts applied to the policy premium. The information is based on a female driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, marriage, anti-theft, defensive driving course, multiple vehicle, and passive restraint discounts applied. In this example, the average amount saved each year on insurance for a GMC Acadia is 28% or $1,129.

Violations and accidents raise rates

In a perfect world, the best way to receive the cheapest insurance for a GMC Acadia in Michigan is to be a good driver and not get tickets or have accidents. The information below demonstrates how traffic citations and at-fault fender-benders raise insurance costs for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of a car insurance policy in Michigan per year with no accidents or violations is $3,056. Add in two speeding tickets and the average cost increases to $4,207, an increase of $1,151 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for a GMC Acadia increases to an average of $8,818. That’s an increase of $5,762, or $480 per month, just for not driving attentively!

Cheapest car insurance: Progressive, State Farm, Allstate, or Geico

If you’re looking for the cheapest insurance for an Acadia in Michigan, four of the larger companies to compare rates for are Progressive, State Farm, Allstate, and Geico. When added together, they make up over 45% of the entire U.S. market share. The following table points out ratings for price and service, as well as some optional coverages offered by each one.