Buying economical car insurance for a GMC Acadia in Hawaii depends on lots of different rating factors such as whether you are male or female, the likelihood of vehicle theft, and your driving record. Drivers pay approximately $849 each year to insure their Acadia, but that amount is an approximation using a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you're not a 50-year-old male, married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Having just a slight change in rating variables could end up with a large change in how much insurance for a GMC Acadia costs.
Everone's needs are different, and this illustrates why the only way to find the cheapest insurance price for your GMC is to do your own rate comparisons.
The trim level of your Acadia will be a contributing factor to the cost of insurance, so the price you pay to insure a Acadia SL 2WD trim level will be $128 cheaper than the price to insure the fancier Acadia SLT AWD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$170||$348||$300||$18||$90||$926||$77|
|Acadia SL AWD||$196||$348||$300||$18||$90||$952||$79|
|Acadia SLE 2WD||$196||$348||$300||$18||$90||$952||$79|
|Acadia SLE AWD||$196||$424||$300||$18||$90||$1,028||$86|
|Acadia SLT 2WD||$196||$424||$300||$18||$90||$1,028||$86|
|Acadia SLT AWD||$222||$424||$300||$18||$90||$1,054||$88|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in specific location which can raise or lower insurance rates substantially.
Buying reasonably-priced auto insurance is not always easy, and figuring out which insurers offer the most affordable auto insurance rates for a GMC Acadia will require even more work. Every insurance company uses their own calculation to establish rates, so we'll take a look at the auto insurance companies with the most affordable rates in Hawaii.
Best Car Insurance Prices for Your Acadia
|Rank||Company||Cost Per Year|
|7||First of Hawaii||$1,928|
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USAA may offer some of the cheapest car insurance rates in Honolulu at around $964 a year. State Farm, GEICO, Liberty Mutual, and Progressive also qualify as some of the cheapest Honolulu, HI car insurance companies.
In the rate table above, if you currently have a policy with Progressive and switched to State Farm, you may see annual savings of upwards of $504. Drivers with Allstate might save as much as $806 a year, and First of Hawaii customers might cut rates by $808 a year.
If you want to find out if you're overpaying, click here to begin a quote or visit any of the companies below.
Bear in mind that those estimates are averages for all drivers and vehicles in Hawaii and and are not figured with a specific location for a GMC Acadia. So the car insurance company that can offer you the best price may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own individual information.
Discount Honolulu insurance
Car insurance companies that offer quotes for a GMC Acadia may additionally offer price discounts that could potentially reduce rates by as much as 35% if you qualify for them. A list of auto insurance companies and a summarized list of policyholder discounts include:
- State Farm policyholders can earn discounts including safe vehicle, passive restraint, driver's education, good driver, and student away at school.
- GEICO may offer discounts for multi-vehicle, emergency military deployment, federal employee, five-year accident-free, good student, multi-policy, and driver training.
- SAFECO discounts include bundle discounts, accident prevention training, homeowner, anti-lock brakes, multi-car, and teen safety rewards.
- Farmers Insurance has discounts for multi-car, electronic funds transfer, bundle discounts, good student, alternative fuel, early shopping, and teen driver.
- AAA has savings for education and occupation, anti-theft, good student, good driver, multi-policy, AAA membership discount, and pay-in-full.
- USAA offers discounts for military installation, multi-policy, good student, defensive driver, new vehicle, and safe driver.
The diagram below compares insurance prices with and without discounts being applied to the rates. The price estimates are based on a male driver, a clean driving record, no claims, Hawaii state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, multiple vehicle, anti-theft, multiple policy, homeowner, and defensive driving course discounts applied. In this example, the average amount saved each year on auto insurance for a GMC Acadia is 28% or $497.
Careless Honolulu drivers pay higher rates
The obvious way to receive affordable auto insurance premiums for an Acadia is to be a cautious driver and not have accidents or get tickets. The information below shows how speeding tickets and fender-benders can raise insurance rates for each age group. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy per year with no violations or accidents is $1,192. Get two speeding tickets and the average cost rises to $1,685, an increase of $494 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance for a GMC Acadia increases to an average of $2,173. That's an increase of $981, or $82 per month, just for not driving carefully!
How to find economical car insurance for a GMC Acadia
The list below shows some penny-pinching solutions that can help drivers quote lower-cost car insurance.
- Buy vehicles with five-star safety ratings
- Save money by insuring older vehicles for liability only
- Save money by bundling your home and auto policies
- Be a safe driver
- Do not get into accidents that are your fault
- Frequent claims may make car insurance unaffordable
- Look for cheaper rates once a year by shopping around
That last tip is especially critical, as was noted in this piece. Rates can be modified anytime, so drivers shouldn't be resistant to switch to a new company if you can find a cheaper rate.
Brand loyalty is great, but it isn't a good idea if that loyalty results in overpaying several hundred dollars every year. Take a couple minutes and shop around to find cheaper insurance for a GMC Acadia in Honolulu.
The agencies below can help you determine which car insurance company is the best fit, since lots of drivers aren't clear which coverage they need and would like to have professional advice when trying to find lower insurance rates for a GMC Acadia. It can be challenging to find the cheapest car insurance policy, and insurance agents can provide you peace of mind knowing your coverage gives you suitable coverage if you ever need to use it. To find a Honolulu insurance agency by location nearest to you, click the link after the list or click here to compare price quotes now.
Larry Bolibol - State Farm Insurance Agent
2153 N King St #108a - Honolulu, HI 96819 - (808) 847-0835
Marilyn Jacobe - State Farm Insurance Agent
1125 N King St #303 - Honolulu, HI 96817 - (808) 254-7028
Tina Tay - State Farm Insurance Agent
3615 Harding Ave Ste 303 - Honolulu, HI 96816 - (808) 394-5433