Buying the best cheap car insurance for a GMC Sierra in Missouri relies on an enormous amount of factors such as the safety rating for your Sierra, if you have prior claims, and any prior driving offenses you have. Drivers in Missouri pay approximately $810 annually for Sierra insurance, but that price is an estimate calculated using a 40-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
The problem with using this number is the good chance you are not 40 and maybe not even a female, maybe you are single instead of married, or maybe you are just looking for cheap liability insurance. Everone’s needs are different, and this illustrates why the only way to find affordable rates for your GMC is to do your own rate comparisons.
Compare GMC Sierra Insurance Rates
Your GMC’s trim level can impact the insurance rate, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD model will be $134 less than the price to insure the more expensive Sierra Denali Crew Cab 4WD version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $144 | $274 | $280 | $16 | $84 | $798 | $67 |
| Sierra SL Extended Cab 2WD | $144 | $274 | $280 | $16 | $84 | $798 | $67 |
| Sierra SLE Crew Cab 2WD | $144 | $274 | $280 | $16 | $84 | $798 | $67 |
| Sierra SL Crew Cab 2WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLE Crew Cab 2WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLE Regular Cab 4WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLE Extended Cab 4WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLE Crew Cab 4WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLT Extended Cab 2WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SL Crew Cab 4WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLT Extended Cab 4WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLT Crew Cab 2WD | $162 | $322 | $280 | $16 | $84 | $864 | $72 |
| Sierra SLT Crew Cab 4WD | $180 | $372 | $280 | $16 | $84 | $932 | $78 |
| Sierra Denali Crew Cab 2WD | $180 | $372 | $280 | $16 | $84 | $932 | $78 |
| Sierra Denali Crew Cab 4WD | $180 | $372 | $280 | $16 | $84 | $932 | $78 |
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in your specific Kansas City location which can raise or lower auto insurance rates greatly.
Best car insurance company in Missouri
Selecting the top insurance provider can be rather challenging considering how many choices drivers have in Missouri. The company rank data displayed below may help you select which auto insurers to look at when shopping around.
The ratings below include the largest companies in America, so smaller regional companies are not included in this list. To compare price quotes and find the cheapest rates for a GMC Sierra, simply click here.
Top 10 Large Auto Insurance Companies Overall in Kansas City
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Large Auto Insurance Companies in Kansas City Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
The illustration below illustrates how your deductible choice can impact premium costs when getting quotes for cheap insurance for a GMC Sierra. The costs are based on a married male driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 40-year-old driver could cut expenses by $296 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $448 by using a $1,000 deductible. Even younger insureds, like the 20-year-old category, could possibly save $990 or more by selecting a higher deductible. When using a larger deductible, it’s a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Why you should be shopping around
Kansas City, MO car insurance rates are influenced by many factors which can substantially change the price you pay for coverage. Improving your credit rating, buying a different home, or having an at-fault accident can cause premium changes that may make certain companies affordable when they were higher priced. Not only may your situation change, but companies file new rates without warning to ensure their profitability. Higher than usual claims can cause additional price hikes, while a profitable period can produce cheaper Sierra insurance rates.
To illustrate this example, the data below shows the company with the cheapest car insurance in Kansas City, MO for a 40-year-old female driver with no accidents or violations, and a good credit rating. When quoting prices based on her current risk factors, USAA may offer the cheapest car insurance rates in Kansas City at $785 per year. This is $477 less than the average premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are the remaining cheapest Kansas City, MO auto insurance companies.
In this next rate comparison, we will give the driver from the first example a claim or two, a lower credit rating, and an imperfect driving record. Due to the fact that every insurance company has a different process to set policy rates, comparing insurance quotes may result in a completely different list of the cheapest car insurance companies in Kansas City as shown below.
MO Farm Bureau now has the best car insurance rate in Kansas City, MO with The Hartford, Farmers, Nationwide, and Allied now being in the top five. This example proves why it is critical to shop around to get the most affordable insurance quotes for a GMC Sierra. Insurance rates are made up of many different factors and change dramatically, so the most economical company when you bought your policy may now be quite expensive.
Tips for buying cheaper auto insurance for a GMC Sierra
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching ideas that can help Missouri drivers buy cheap car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Higher credit scores may earn you cheaper rates
- Buy vehicles with five-star safety ratings
- Do not get traffic tickets
- Increase physical damage deductibles
- Save money by insuring older vehicles for liability only
- Look for cheaper rates once a year by shopping around
The last suggestion is especially significant, as we emphasized in this piece. Prices charged by car insurance companies can change considerably in a year, so don’t be afraid to switch carriers if you find a better deal.
Many consumers stick with the same company and that’s fine, but it’s not a great idea if that loyalty ends up costing lots of hard earned cash every month. Now is a great time to shop around to find cheaper car insurance for a GMC Sierra in Kansas City.
If you aren’t clear which coverage you need and would like to get help from a professional when shopping around for cheaper insurance for a GMC Sierra, the professional agents shown below are willing to answer your questions and help you decide which policy is best. To locate a Kansas City insurance agent close to where you live, click the button following the list.
Andy Patton – State Farm Insurance Agent
5500 N Oak Trafficway #100 – Kansas City, MO 64118 – (816) 453-6220
David Krough – State Farm Insurance Agent
600 W 103rd St #206 – Kansas City, MO 64114 – (816) 943-6166
American Family Insurance – Mike Faeth
110 NW Barry Rd Ste 203 – Kansas City, MO 64155 – (816) 436-6603