Finding the best cheap auto insurance for a GMC Acadia is pretty easy to do, but it relies on a complex formula that considers things such as how far you drive to work, where you live, and physical damage deductibles. Drivers will pay around $1,346 a year to insure their Acadia, but that is an approximation based upon a 40-year-old single male driver with full coverage and $100 deductibles.
If we were betting, you may not be 40 years old (or even male), possibly married instead of single, or maybe you prefer higher deductibles. Different coverage needs are the reason why the way we recommend to find cheap car insurance rates for your GMC is to put in the effort to do a thorough rate comparison.
Your vehicle’s trim level will have an impact the yearly cost, so the rate you pay to insure a Acadia SL 2WD model will be $204 lower than the cost to insure the high end Acadia SLT AWD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$280||$560||$462||$28||$138||$1,468||$122|
|Acadia SL AWD||$322||$560||$462||$28||$138||$1,510||$126|
|Acadia SLE 2WD||$322||$560||$462||$28||$138||$1,510||$126|
|Acadia SLE AWD||$322||$682||$462||$28||$138||$1,632||$136|
|Acadia SLT 2WD||$322||$682||$462||$28||$138||$1,632||$136|
|Acadia SLT AWD||$362||$682||$462||$28||$138||$1,672||$139|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle location which can alter premium rates greatly.
Texas car insurance companies ranked
Picking a good quality auto insurance provider can be a challenge considering how many companies are available to choose from in San Antonio. The company information shown next may help you choose which auto insurers you want to consider comparing rates with.
The ratings below only include the companies with a significant amount of written premium nationwide, so companies that may only write in Texas will not be included in the list. To get price quotes from these companies and more, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Driving violations and accidents
The easiest method to receive the best car insurance premiums in Texas for an Acadia is to be an attentive driver and avoid accidents and traffic violations. The chart below shows how traffic citations and at-fault accidents can influence car insurance rates for different categories of driver ages. The information is based on a married male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of car insurance in San Antonio per year with no accidents or violations is $1,698. Get one speeding ticket and the average cost rises to $1,953, an increase of $255 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for a GMC Acadia jumps again to an average of $4,283. That’s an increase of $2,585, or $215 per month, just for not driving safely!
Why are you paying too much for Acadia insurance?
San Antonio, TX car insurance rates are based on many factors which can substantially change the policy price. Simply having a birthday, having a claim, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more affordable than competitors.
Additionally, auto insurance companies change prices every year to help ensure profitability. Significantly higher losses may result in higher rates, while long-term profits may produce more affordable Acadia insurance rates.
To help illustrate this point, the graph below shows rates for the cheapest car insurance in San Antonio, TX for a 30-year-old male driver with no accidents or violations, and good credit. If we estimate rates based on his current situation, Travelers offers the most affordable car insurance rates in San Antonio at $1,138 annually. This is $766 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the most affordable San Antonio, TX auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison an at-fault accident, slightly worse credit, and an imperfect driving record. Since each auto insurance company has their own formula for determining rates, comparing prices may now result in a slightly different list of the cheapest car insurance companies in San Antonio as shown below.
Mercury now has the best price on car insurance in San Antonio with State Farm, USAA, Safe Auto, and Nationwide now rounding out the top five. This example demonstrates why it is crucial to shop around with many companies when trying to find cheap car insurance quotes for a GMC Acadia. Prices are influenced by many factors and change frequently, so the best company three years ago may now be costing you a lot of money.