GMC Sierra 1500 Insurance in Missouri
Rates from $41 – $69/mo minimum coverage, $167 – $279/mo full coverage. Compare top MO carriers below.
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Updated June 2026 · Source: Missouri DOI + IQ rate model
Average monthly premium — 2024 GMC Sierra 1500, Missouri
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for GMC Sierra 1500 drivers in Missouri
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why GMC Sierra 1500 insurance costs what it does in Missouri
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~8%. Factory immobilizer + tracking discounts available.
High parts and labor costs raise collision premiums materially.
Missouri requires 25/50/25 liability + 25/50 UM minimums. UM mandatory because of high uninsured rate. Severe-weather catastrophic losses (tornado, hail) keep comprehensive premiums above regional average. KC and STL ZIPs see materially higher premiums.
Frequently asked questions
01How much is GMC Sierra 1500 insurance in Missouri?
Missouri drivers of a 2024 GMC Sierra 1500 pay about $167 – $279 per month for full coverage, or roughly $41 – $69 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Sierra 1500?
Yes. If your Sierra 1500 has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Missouri law itself only requires the state liability minimums (25/50/25 plus 25/50 UM), but the lender's contract overrides that.
03What's the cheapest carrier for a Sierra 1500 in Missouri?
Cheapest varies by driver profile, but in Missouri the major carriers most often quoting the lowest premiums for a Sierra 1500 are GEICO, Progressive, and State Farm. Regional carriers (Shelter, American Family, and Country Financial) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is insurance more expensive for a truck like the Sierra 1500 in Missouri?
Slightly. Trucks like the Sierra 1500 typically carry 8-15% higher full-coverage premiums than mainstream sedans because of higher repair costs and higher claim severity in collisions. Missouri's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Missouri require SR-22 after a DUI for a Sierra 1500?
After a DUI, Missouri requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Sierra 1500 typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.