Finding cheaper car insurance for a GMC Acadia is pretty easy for most people to do, but it hinges on many rating criteria such as miles driven annually, your occupation, and any past driving violations you may have had. Drivers will pay on average $759 per year for Acadia insurance, but that price is calculated based on a 50-year-old single male driver with full physical damage coverage and $1,000 deductibles.
When projecting a rate like this, the problem is that you aren’t exactly 50 years old or even a male, maybe you are married instead of single, and maybe your Acadia just needs liability-only coverage. Different coverage needs are the reason why the only real way to find the cheapest coverage for your GMC is to do your own rate comparisons. Get a free quote now and you will be able to compare rates from some of the most affordable companies that insure vehicles in Kentucky.
Your GMC’s trim level tends to have a direct effect on the yearly cost, so the price you will pay to insure a Acadia SL 2WD model will be $86 less expensive the insurance cost for the high end Acadia SLT AWD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$116||$226||$368||$22||$110||$842||$70|
|Acadia SL AWD||$134||$226||$368||$22||$110||$860||$72|
|Acadia SLE 2WD||$134||$226||$368||$22||$110||$860||$72|
|Acadia SLE AWD||$134||$276||$368||$22||$110||$910||$76|
|Acadia SLT 2WD||$134||$276||$368||$22||$110||$910||$76|
|Acadia SLT AWD||$152||$276||$368||$22||$110||$928||$77|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rate information does not factor in specific garaging location which can impact auto insurance rates substantially.
Kentucky auto insurance companies ranked
Selecting a highly-rated auto insurance provider can be rather challenging considering how many companies sell coverage in Kentucky. The ranking information below could help you pick which coverage providers to look at when trying to find cheaper insurance for a GMC Acadia.
The rankings below are only made up of companies with a national presence, so companies that only write business in Kentucky or surrounding areas are not included in this list. If you’d like to compare prices from these and other companies in Kentucky, follow this link.
Top 10 Large Auto Insurance Companies Overall in Louisville
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
Top 10 Large Auto Insurance Companies in Louisville Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- Erie Insurance
- The General
- 21st Century
Types of discounts on Louisville auto insurance rates
Car insurance companies that offer quotes for a GMC Acadia may have discounts that can lower rates by 40% or more if you meet certain criteria. A few of the larger companies and their offered discounts can be read below.
- Progressive may offer discounts for good student, multi-policy, online signing, online quote discount, homeowner, continuous coverage, and multi-vehicle.
- SAFECO offers discounts including multi-car, safe driver, accident prevention training, homeowner, teen safe driver, teen safety rewards, and bundle discounts.
- American Family has discounts for bundled insurance, Steer into Savings, air bags, TimeAway discount, mySafetyValet, multi-vehicle, and early bird.
- MetLife may have discounts that include claim-free, multi-policy, good driver, defensive driver, and accident-free.
- GEICO has savings for membership and employees, military active duty, driver training, multi-vehicle, defensive driver, and air bags.
- The Hartford offers premium reductions for good student, air bag, bundle, anti-theft, and driver training.
The information below compares premium costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no accidents, no driving violations, Kentucky state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, safe-driver, multiple policy, passive restraint, defensive driving course, and marriage discounts applied. With discounts applied, theaverage amount saved on auto insurance for a GMC Acadia is 28% or $527.
Shop around and save
Louisville, KY auto insurance rates are calculated based on many things that control the price you have to pay for coverage. Improving your credit score, having a teen driver, or having an at-fault accident can trigger price changes that can now make some companies affordable when they were higher priced.
Not only may things change on your end, but auto insurance companies file new Kentucky car insurance rates as often as every three months to adjust for heavy claims or excess profits. An extended period of higher than normal claims can cause increased policy costs, while less frequent claims can produce more affordable Acadia insurance rates.
For example, the data below compares the cheapest car insurance in Louisville, KY for a 40-year-old female driver with no prior claims, no tickets, and good financial standing. Based on her current risk factors, Cincinnati Insurance quotes the lowest car insurance rates in Louisville at $1,643 per year. This is $500 less than the average policy premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are also on the list of the most affordable Louisville, KY auto insurance companies.
In this next rate comparison, we will give the driver from above a claim or two, slightly worse credit, and a speeding citation. Because each insurer has a proprietary method for setting rates, comparing quotes could result in a different list of the cheapest car insurance companies in Louisville as shown below.
Kentucky Farm Bureau now has the best insurance rate in Louisville with Travelers, USAA, State Farm, and Westfield also being competitive. This example shows why it is crucial to perform an extensive rate comparison to get cheap auto insurance rates for a GMC Acadia.
Insurance prices are impacted by many risk factors and change dramatically, so the most economical option three years ago may now be one of the more expensive options.
How to find low-cost auto insurance for a GMC Acadia
The list below details many penny-pinching suggestions that can help Louisville drivers quote cheap auto insurance.
- Pay lower rates with good credit
- Bundle home and auto and earn a discount
- At-fault accidents can raise rates significantly
- Vehicles with good safety ratings are usually cheaper to insure
- Full coverage may not be needed on older vehicles
- Shop around for cheaper rates regularly
That last idea is remarkably important, as we hit on in this piece. Auto insurance prices in Louisville fluctuate considerably, so drivers shouldn’t hesitate to buy a policy from a new company if you can find a cheaper rate.
Brand loyalty is great, but we do not recommend it if that faithfulness ends up costing you a fortune every year. Take a few minutes and compare rates and find cheaper insurance for a GMC Acadia.
If you wish to get help from a professional when trying to find lower insurance rates for an Acadia, the agents shown below can answer your questions and help you decide which policy is best.
To find a Louisville insurance agent in your neighborhood, click the button at the bottom or click here to compare prices now.
- Milt Nugent – State Farm Insurance Agent
1005 Dupont Square N – Louisville, KY 40207 – (502) 897-6426
- Bob Dotson – State Farm Insurance Agent
9800 Shelbyville Rd – Louisville, KY 40223 – (502) 339-8086
- Brandon Warren – State Farm Insurance Agent
12342 Shelbyville Rd – Louisville, KY 40243 – (502) 254-9300
- Dick Newton – State Farm Insurance Agent
3110 Taylorsville Rd – Louisville, KY 40205 – (502) 458-9543
- Glenn E Martin Insurance
10226 Shelbyville Rd – Louisville, KY 40223 – (502) 245-8870