How Much Does Insurance Cost for a GMC Acadia in Virginia?

The chances of finding the best cheap insurance for a GMC Acadia in Virginia relies on a whole bunch of factors like the safety rating for your Acadia, your occupation, and driving citations. Drivers pay an average of $820 each year to buy insurance for a GMC Acadia, but that price is a ballpark figure rating a 30-year-old single female that purchased full coverage and $500 deductibles.

But there is a high probability that you are not exactly 30 years old and possibly not even female, maybe you are married instead of single, and you want different coverage limits than the example. Car insurance coverage is unique to each driver, so this is why the only real way to find cheap auto insurance rates for your GMC is to put in the effort and compare rates.

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The trim level of your vehicle will likely have an effect on the insurance rate, so the price to insure a Acadia SL 2WD model will cost $104 less than the price to insure the more expensive Acadia SLT AWD version, as shown in the chart below.

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Prices do not factor in specific location information which can increase or decrease insurance rates greatly.

Picking a high-quality car insurance company can be a challenge considering how many companies are available to choose from in Virginia. The information in the lists below could help you decide which car insurance companies you want to consider when shopping insurance around for a GMC Acadia.

These ratings only include companies that insure vehicles nationwide, so companies with more of a regional focus will not be included in these rankings. If you’d like to compare prices from these top-rated insurers and more, click this link.

Top 10 Large Car Insurance Companies Overall in Virginia

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top Companies for GMC Acadia Insurance in Virginia

Should you buy full coverage?

Finding cheap insurance for a GMC Acadia in Virginia should be important to the majority of people, and one of the easiest ways to buy cheaper insurance is to not buy comprehensive and collision coverage. The example below illustrates the difference between insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are factored in.

Averaged for all age groups, full coverage costs $1,353 per year more than just buying liability insurance. That is a large expense which might make you wonder if you should buy full coverage at all. There is no clear-cut formula for phasing out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your vehicle’s claim settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year to have full coverage, then it could be time to drop full coverage.

The illustration below highlights how deductible selection can impact annual premium costs when searching for cheap insurance for a GMC Acadia. The data assumes a single female driver, comp and collision included, and no discounts are applied.

As shown above, a 40-year-old driver could pocket $212 a year by switching from a $100 deductible up to a $500 deductible, or save $322 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, have the ability to save as much as $534 every year just by choosing higher deductibles.

When increasing deductibles, it is essential to have enough funds in savings to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.