Who Has Cheap Insurance for a GMC Acadia in Missouri?

Who Has Cheap Insurance for a GMC Acadia in Missouri?

Your ability to find affordable auto insurance for a GMC Acadia in Missouri relies on a whole bunch of factors like how you use your Acadia, where you live, and if you had any at-fault accidents in the last few years. Drivers in Missouri pay an average of $950 a year to buy GMC Acadia insurance, but that is using rate data for a 30-year-old single male who purchased full coverage and $100 deductibles.

The issue that arises when projecting rates is that it’s very likely that you may not be 30 years old (or even male), you might be married instead of single, and maybe you have sub-par credit that needs to be factored in. Using even a minor difference in policy rating variables can cause big differences in policy price.

There is no “one size fits all” policy, so the most reliable method for finding the cheapest coverage for your GMC is to do the rate comparisons yourself.

Find Cheaper GMC Acadia Insurance

Vehicle trim level tends to have a direct impact on the yearly cost, so the price you pay to insure a Acadia SL 2WD model will cost $140 less than the insurance cost for the more expensive Acadia SLT AWD model, as shown in the chart below.

GMC Acadia Insurance Rates in Missouri
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $228 $340 $348 $20 $104 $1,040 $87
Acadia SL AWD $262 $340 $348 $20 $104 $1,074 $90
Acadia SLE 2WD $262 $340 $348 $20 $104 $1,074 $90
Acadia SLE AWD $262 $414 $348 $20 $104 $1,148 $96
Acadia SLT 2WD $262 $414 $348 $20 $104 $1,148 $96
Acadia SLT AWD $294 $414 $348 $20 $104 $1,180 $98
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in vehicle garaging location which can alter rates significantly.

Missouri insurance companies

Choosing the highest-rated insurance provider can be rather challenging considering how many choices you have in Missouri. The ranking data shown next may help you analyze which auto insurance companies you want to consider comparing rates with.

The ratings below only include companies with a nationwide focus, so companies with more of a regional focus are not included in the list. If you wish to compare prices and find the cheapest rates for a GMC Acadia, click this link.

Top 15 Insurance Companies in Missouri
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
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
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Data Source: Insure.com Best Car Insurance Companies

Full coverage rates compared to liability only

Finding cheap insurance for a GMC Acadia in Missouri is important to most vehicle owners, and one way to buy cheap insurance is to not buy full coverage. The diagram below shows the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no accidents or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

If averaged out across all ages, physical damage coverage costs an additional $1,236 per year more than just buying liability insurance. Lot’s of drivers question if you should buy full coverage at all. There is no clear-cut formula to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

Insurance rates are higher with tickets and accidents

One of the best ways to obtain low insurance rates in Missouri for an Acadia is to drive safe and avoid accidents and traffic violations. The chart below illustrates how speeding tickets and at-fault collisions can drive up annual premium costs for different age groups. The costs are based on a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of a car insurance policy in Missouri per year with no accidents or violations is $1,299. Add in two speeding tickets and the average cost increases to $1,845, an increase of $546 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for a GMC Acadia increases to an average of $3,825. That’s an increase of $2,525, or $210 per month, just for not driving responsibly!