How Much Does Insurance Cost for a GMC Acadia in North Dakota?

Anytime the topic is auto insurance, the word affordable really should not be used anywhere in the article as a descriptor for auto insurance rates. Despite the oxymoron, cheap auto insurance for a GMC Acadia does not exist. Don’t let that ruin your day, because we will show you how you can still find coverage that works with your budget.

The chances that you’ll find cheap insurance for a GMC Acadia in North Dakota is dependent upon a large number of rating criteria like the safety features of your vehicle, your occupation, and citations or violations on your driving record. Drivers in North Dakota pay on average $670 a year to insure a GMC Acadia, but that cost is a ballpark figure based on rates for a 30-year-old married female that wants full physical damage coverage and $1,000 physical damage deductibles.

There is a very good chance that you’re not a 30-year-old female, single instead of married, and maybe your Acadia just needs liability-only coverage. Everyone has unique insurance needs, and this illustrates why the best way to find cheap insurance rates for your GMC is to do a thorough rate comparison.

Insure Your GMC for Less

The trim level of your Acadia tends to impact the insurance rate, so the price you will be charged to insure a Acadia SL 2WD trim level will be $80 cheaper than the cost to insure the more well-appointed Acadia SLT AWD trim level, as shown in the table below.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific zip code location which can modify coverage prices noticeably.

Finding low-cost insurance is difficult, and finding out which company has the cheapest insurance rates for a GMC Acadia will involve even more work.

Every car insurance company uses a slightly different approach to set policy rates, so let’s begin by taking a look at the insurance companies with the most affordable rates in North Dakota.

Cheapest Insurance Rates for Your Acadia

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USAA has some of the best car insurance rates in North Dakota at around $732 per year. Allied, Nodak Mutual, Grinnell, and State Farm also are some of the more affordable North Dakota insurance companies.

As depicted above, if you are a policyholder with State Farm and switched to Allied, you might see annual savings of in the neighborhood of $208. Insureds with Safeco might save as much as $244 a year, and State Auto insureds might lower prices by up to $387 a year.

Remember that these premiums are averaged for all drivers and vehicles in North Dakota and are not factoring in a specific rate factor for a GMC Acadia. So the car insurance company that can offer the best rates for your situation may not even be shown in the list of companies above. That emphasizes why you need to get rate quotes using your own driver information and specific vehicle type.

How to get discounts on North Dakota insurance rates

Insurance providers that offer cheap insurance for a GMC Acadia in North Dakota may also provide price discounts that could reduce prices by as much as 35% or more if you meet specific criteria. A few of the larger companies and a summarized list of policyholder discounts can be found below.

The example below shows the difference between insurance rates with and without discounts applied to the rates. The data assumes a male driver, no violations or accidents, North Dakota state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, defensive driving course, homeowner, safe-driver, anti-theft, and passive restraint discounts applied. When discounts are factored in, the average amount saved each year on insurance for a GMC Acadia is 32% or $740.

The illustration below demonstrates how choosing different deductibles can impact annual premium costs when quoting cheap insurance for a GMC Acadia. The costs are based on a single male driver, full coverage, and no discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $258 a year by increasing from a $100 deductible to a $500 deductible, or save $392 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, can save up to $840 or even more just by choosing higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it is important to have spare funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.