Cheapest Insurance for a GMC Acadia in Kentucky

We always joke that when we write about auto insurance, the word “cheap” should not appear anywhere in the article to describe car insurance prices. Despite the oxymoron, cheap car insurance for a GMC Acadia is almost non-existent. But don’t despair, because we are going to show you some ways you can still get car insurance that doesn’t break your budget.

Your chances of buying affordable auto insurance for a GMC Acadia in Kentucky depends on an enormous amount of rating factors such as whether the vehicle is new, the condition of your credit, and your choice of physical damage deductibles. Drivers in Kentucky pay on average $650 per year to insure a GMC Acadia, but that cost is a valuation that uses a 50-year-old married male that included comprehensive and collision coverage and $1,000 deductibles.

This brings up the issue that more than likely you are not a 50-year-old male, you might be single instead of married, and you possibly have other drivers on your policy that need factored in. Not everyone needs the same coverages, so your best chance at finding cheap insurance rates for your GMC is to make a habit of comparing prices at least once a year.

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The trim level of your Acadia will be a contributing factor to the cost of insurance, so the price you pay to insure a Acadia SL 2WD will be $74 cheaper than the insurance cost for the higher-end Acadia SLT AWD version, as shown in the prices below.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in zip code location which can raise or lower coverage prices greatly.

Establishing which companies quote the lowest-priced car insurance rates for a GMC Acadia takes a little more effort in order to find the best policy.

Each auto insurance company used slightly different criteria for determining rates in each state, so let’s rank the car insurance companies with the most affordable rates in Kentucky.

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Cincinnati Insurance may offer some of the most affordable car insurance rates in Kentucky at around $1,082 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also make the cut as some of the cheaper Kentucky insurance companies.

As the rates illustrate above, if you buy coverage from Auto-Owners and switched to Cincinnati Insurance, you may realize yearly savings of upwards of $317. Drivers with Grange Mutual might save as much as $527 a year, and Travelers customers might reduce rates by $532 a year.

To discover how much you can save, click here to start your custom quote or feel free to get quotes from the companies below.

Be aware that those policy prices are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a GMC Acadia. So the car insurance company that can offer the best rates for your situation may not even be in the list of companies shown earlier. That point stresses why you need to quote rates from many companies using your own driver information and specific vehicle type.

How accidents and tickets impact rates

The easiest way to score good car insurance prices in Kentucky for an Acadia is to drive carefully and maintain a clean driving record. The chart below highlights how speeding tickets and accidents can affect premium costs for different age groups. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

The data charted above shows the average cost of an auto insurance policy in Kentucky per year with no accidents and a clean driving record is $1,908. Factor in two speeding tickets and the average cost hikes up to $2,561, an increase of $653 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a GMC Acadia increases to an average of $4,980. That’s an increase of $3,072, or $256 per month, just for not paying attention while driving!

The information below highlights how deductible selection can affect insurance costs when quoting cheap insurance for a GMC Acadia. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

In the chart above, a 30-year-old driver could lower their car insurance rates by $306 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $466 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, could drop their prices $678 or more by using higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will be important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

State Farm, Progressive, Geico, or Allstate: Which is best?

When shopping for insurance for an Acadia in Kentucky, four companies you’ll want quotes from are State Farm, Progressive, Geico, and Allstate. The next table shows some of the different features you can expect with each one.