Who Has Affordable Columbus Car Insurance for a GMC Acadia?

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GMC Acadia insurance cost
GMC Acadia insurance cost image courtesy of QuoteInspector.com

Buying cheap insurance for a GMC Acadia in Ohio depends on many factors such as how safe your vehicle is, your address, and if you have a history of accidents. Ohio drivers pay on average $555 each year for Acadia insurance, but that is an estimation using a 40-year-old married male driver with full coverage and $500 deductibles.

It's highly likely you aren't exactly 40 years old or even a male, possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a minor change in the rating criteria used to formulate rates could end up with a large change in how much coverage for a GMC Acadia costs.

Insurance is an individual thing, so the best method for finding cheap car insurance rates for your GMC is to just take the time to compare rates yourself. In just a few minutes you will receive prices from top-rated car insurance companies available.

Find Cheaper GMC Acadia Insurance

The trim level of your Acadia will likely have an effect on price, so the cost to insure a Acadia SL 2WD model will be $72 less than the cost to insure the more costly Acadia SLT AWD model, as shown in the chart below.

GMC Acadia Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $114 $180 $234 $14 $70 $612 $51
Acadia SL AWD $130 $180 $234 $14 $70 $628 $52
Acadia SLE 2WD $130 $180 $234 $14 $70 $628 $52
Acadia SLE AWD $130 $220 $234 $14 $70 $668 $56
Acadia SLT 2WD $130 $220 $234 $14 $70 $668 $56
Acadia SLT AWD $146 $220 $234 $14 $70 $684 $57
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Table data does not factor in specific Columbus garaging location which can raise or lower coverage rates noticeably.

Ohio car insurance companies

Picking the best auto insurance provider is hard considering how many companies there are in Columbus. The company rank data shown below could help you choose which companies to look at comparing rate quotes with.

These rankings are only made up of the largest companies in the United States, so companies with more of a regional focus are not included in these rankings. To compare price quotes from these and other competitive companies, click this link.

Best Ten Car Insurance Companies for a GMC Acadia in Columbus
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
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Data Source: Insure.com Best Car Insurance Companies

The example below demonstrates how deductible levels can impact insurance rates when trying to find cheap insurance for a GMC Acadia. The information is based on a married female driver, full coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could lower rates by $184 a year by switching from a $100 deductible to a $500 deductible, or save $280 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could potentially save as much as $458 or more just by using higher deductibles.

When increasing deductibles, it's a good idea to have enough funds in savings to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Full coverage versus liability only rates

Saving money on car insurance should be important to the majority of people, and one common way to find cheap insurance for a GMC Acadia is to buy liability only. The diagram below illustrates the comparison of premium costs when comparing full coverage to liability only. The rates are based on no claims, a clean driving record, $100 deductibles, single marital status, and no policy discounts are applied.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $1,583 per year more than just buying liability only. At some point, every insured wonders if paying for full coverage is worth it. There is no written rule to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let's assume your vehicle's replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are paying over $500 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where eliminating full coverage is not recommended. If you haven't satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

If you aren't clear which coverage you need and would like to get some help when shopping around for cheaper insurance for a GMC Acadia, the insurance agencies listed below can help you make a decision which coverages and limits you need. To find an auto insurance agency using an interactive map, click the button after the list or click here to compare prices now.

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How to find economical auto insurance for a GMC Acadia

The list below shows many money-saving ideas that can help drivers find more affordable coverage.

That last idea is certainly valuable, as was affirmed in the prior information. Insurance rates can be changed at any time, so don't be hesitant to change insurance companies if you can find a cheaper rate.

Brand loyalty is not necessarily bad, but it's not a great idea if that loyalty ends up costing a fortune every year. In just a couple of minutes you could shop around to find cheaper auto insurance for a GMC Acadia in Columbus.