Car Insurance Quotes for a GMC Envoy

The average annual premium for a GMC Envoy auto policy is $1,548 for full coverage and $936 for minimum coverage.

All drivers must have an auto insurance policy to drive. Two popular policies to consider are liability-only and full coverage.

Both satisfy the legal requirement and provide a mix of benefits to reduce the likelihood of you paying out-of-pocket expenses to cover the cost of injuries or damages sustained by yourself, your passengers, or third parties after a car wreck.

If you’re looking to purchase a new and affordable policy, let Freeway Insurance lend a hand. We’re more than ready to help you explore all your low-cost auto insurance options.

Two types of insurance options GMC Envoy drivers might consider are liability-only and full coverage.

Liability-only provides third-party coverage for damages and injuries you cause to others in an at-fault accident. In turn, full coverage includes liability and adds comprehensive/collision, which covers damage to your own vehicle, regardless of who is at fault.

Full Coverage 

A full policy is any policy that carries liability, collision, and comprehensive coverage.

These three help pay for injuries and damages sustained by first and third parties in an accident you are responsible for. Collision coverage pays for damages due to collision-related incidents, e.g., vehicle and rollover collisions, whereas comprehensive pays for damages caused by damages not related to collisions, such as hail, flooding, theft, and falling tree limbs.

Policyholders may include other coverages such as uninsured/underinsured motorist coverage, roadside assistance, rental car reimbursement, personal injury protection (PIP), and medical payments (MedPay) coverage. Be sure to check with your state laws, as some states require one or more of these.

State Minimum Liability 

Almost all states require that you carry a liability-only policy with bodily injury and property damage.

These limits are expressed as three figures, e.g., “25/50/20”, which translates to $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $20,000 in property damage.

Full coverage offers more protection than a liability-only policy. Full coverage policies include liability, collision, and comprehensive, which protects against a broader range of scenarios than liability-only, which benefits third parties. It may be worth the peace of mind for several hundred dollars more yearly.

Every auto insurance policyholder is assessed for premiums using many different variables to determine how much they will be charged.

Two of the most important factors include your age/experience and driving record.

Age/Experience and Driving Record

If you have no claims, at-fault accidents, moving violations, or other problematic issues, expect to receive the lowest premiums, particularly if you are in your 30s, 40s, and 50s. Naturally, premiums are highest for younger drivers (< 21) who lack experience and, as a group, tend to have a higher number of claims.

Coverage Selections

Remember, the lower your deductible, the less you will pay out of pocket for any claim, increasing premiums accordingly. Other policy adjustments to lower your premiums include lowering limits, participating in usage-based programs, and applying for your favorite discounts.

Being convicted of a DUI has adverse effects on premiums, as well as having other consequences.

You can expect a significant rate increase, meaning double or triple what you pay now. 

After a first-time DUI conviction, expect to be reclassified as a high-risk driver with insurers feeling like you have an increased likelihood of being involved in the future claim. You may be required to file an SR-22, a certificate of financial responsibility that lets the state know you are carrying the required liability insurance coverage. Your DUI will be on file for several years (and maybe forever, depending on where you live). You will continue to pay higher premiums for several years.

In the worst of cases, your insurance company may even deny or outright reject your policy. From there, you may be forced to turn to a specialty provider specializing in high-risk drivers and cheap DUI solutions.

This is a vehicle in the midsize SUV segment, discontinued after the 2009 model year.

It comes in three trims: SLE, SLT and Denali.

Standard features on the GMC Envoy include satellite radio, dual-zone air conditioning, and keyless entry. Upgrading to the SLT ads power seats, Bluetooth, automatic climate control, and leather seats. Denali’s highest-level trim includes 18-inch alloy wheels and a Bose audio system.