GMC Envoy Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A GMC Envoy is more affordable to insure compared to the average SUV.
• Full coverage for an Envoy normally tends to be around $129 monthly, while liability only car insurance prices run about $78 per month.
• The most affordable insurance company for an Envoy is Ohio Mutual, who offers liability only coverage for sometimes as low as $29 monthly, on average.

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Envoy Overview

Coming in at $30,625 for 2009 models, the GMC Envoy is a great choice for a mid-level SUV. Drive off the dealership lot in style, with three different trim options offered.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that average GMC Envoy car insurance rates run around $101 a month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a GMC Envoy?

You can see in the table above that GMC Envoy insurance premiums are cheaper than average compared to other vehicles. On average, Envoy owners will pay about $78 per month for liability insurance, and around $129 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Comparing it to other GMC models, the Envoy is slightly less expensive, with rates about 9% lower than the rest of the manufacturer's vehicle offerings. Compared to SUV offerings from other brands, insurance for an Envoy is also more affordable, with full coverage insurance premiums coming in around $22 less and $2 less for liability only insurance.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, body style, or model they are.

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Who has the Cheapest Car Insurance for a GMC Envoy?

If you're browsing for a new car insurance policy for your GMC Envoy, you're probably wondering which carrier offers the cheapest premiums. Even though there will never be one company that offers the lowest prices for everyone, ACG offers the cheapest average rates for liability only coverage, with rates as low as just $25 per month. With car insurance as little as $29 a month, Ohio Mutual is the next lowest car insurance carrier.

Safeway, CaliforniaCasualty, and NationalGeneral round out the end of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a lot of different variables into consideration when offering you premiums. By getting quotes from a range of auto insurance companies at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a GMC Envoy?

As we mentioned above, there are many things that car insurance carriers take into account to choose how much they charge you for auto insurance -- and each company weighs certain variables more than others, so there's not a single carrier that's the most affordable for every driver.

Keep reading to learn which factors insurance companies look at and how they affect your final rate:

Vehicle Age

The GMC Envoy has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Envoys continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, the Envoy won't really fit this trend. However, as you can see in the table above, the cheapest GMC Envoys to insure are those that are 4 to 5 years old, while the most expensive models are Envoys that are 15 years old or more, on average.

Your Age

How old you are plays a significant role in how much insurance carriers will charge you. As you can see in the table above, drivers under 24 pay more for car insurance than those with more experience on the road. In this case, drivers who are 18 to 24 pay $42 more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for Envoy drivers.

Your Gender

Women tend to pay less for insurance than men. This is because women are less likely to get into collisions and get speeding tickets, which lowers the chances of an insurance claim. The GMC Envoy follows this convention, and women pay about $1 less than men per month for auto insurance.

Where You Live

You may already know that variables like how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live matters, too? Because insurance is regulated on a state-by-state basis, premiums can shift quite a bit depending on what state you reside in.

For example, the average GMC Envoy driver in New York pays around $160 a month for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change between states.

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GMC Envoy Car Insurance Discounts

No matter your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a new policy.

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than by monthly payments

But these aren't the only discounts insurance companies offer to their customers. Some of the best ways to save are just by having a good driving record and positive insurance profile.

While you don't have control over every factor auto insurance carriers look at to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the ones you can use in your favor in order to save on car insurance:

Your Driving Record

You've most likely heard ads from insurance companies promoting hefty discounts for good drivers. It should be no surprise that if you get into a collision or get a speeding ticket, auto insurance premiums will go up. But you're probably wondering exactly how much these infractions can cost you.

Based on the table above, accidents will usually cost Envoy drivers more than tickets, but both will result in higher than average rates. GMC Envoy drivers with a single ticket will pay an average of $91 monthly, while drivers with one accident on their record pay about $97 each month (up $19 from the $78/mo. overall average). Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another variable that affects your car insurance rates is the total distance you drive annually. Those who drive less often have fewer opportunities to get into an accident, so they'll usually get more affordable prices. Based on the table above, you can see that GMC Envoy owners who drive fewer than 2,500 miles every year pay about $77 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $80.

But if you work from home or drive less often than the average driver, it may be worth learning about pay-per-mile or usage-based car insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do GMC Envoys Compare to Other Vehicles?

If you're thinking about buying a GMC Envoy, you might be wondering how it compares to other vehicles. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth considering.

Check out the table below to see how the GMC Envoy compares:

As you can see, the GMC Envoy is pretty much in line with the average vehicle price here in the U.S. The average vehicle MSRP in the U.S. is $33,180, and the Envoy comes in close to that at $30,625. A used Envoy will be even cheaper, since there hasn't been a new model on the market recently.

Although the purchase price is right in the middle of the spectrum, insurance premiums run slightly below average when compared to the rest of the vehicle market. Liability insurance for a GMC Envoy is about $1 per month more than average, while full coverage is over $50 cheaper monthly.

When it comes to usage, GMC Envoy drivers are near the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Envoy's 11,095 a year.

GMC Envoy Car Insurance Costs by Model Year

You've seen how different things can affect a driver's auto insurance prices. But if you're in thinking about buying a new car, truck, or SUV and the Envoy is on your wishlist, knowing what you can expect to pay is extremely valuable as you weigh your choices.

Choose Your Model

2009 GMC Envoy Car Insurance 2008 GMC Envoy Car Insurance 2007 GMC Envoy Car Insurance 2006 GMC Envoy Car Insurance 2005 GMC Envoy Car Insurance 2004 GMC Envoy Car Insurance 2003 GMC Envoy Car Insurance 2002 GMC Envoy Car Insurance 1999 GMC Envoy Car Insurance 1998 GMC Envoy Car Insurance

2009 GMC Envoy Car Insurance

2009 GMC Envoy drivers can expect to pay an average of $82 per month for liability or $114 for full coverage.

With premiums as cheap as just $22 monthly, Arrowhead offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your Envoy, just enter your ZIP code below and get free quotes in minutes.

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2008 GMC Envoy Car Insurance

On average, drivers who own a 2008 Envoy can expect to pay $77 to $126 a month for liability only and full coverage insurance, respectively.

If you're looking for the most affordable 2008 GMC Envoy insurance policy, Mercury offered the cheapest policy we found, with rates as little as just $20 per month.

Interested in what your auto insurance rate will be? Just enter your ZIP code below to get a variety of free customized quotes.

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2007 GMC Envoy Car Insurance

The average cost to insure a 2007 GMC Envoy with liability only coverage is $75 monthly, while full coverage runs around $129 per month.

Mapfre offered the most affordable policy we found, with rates as cheap as $16 a month.

If you want to know exactly how much you can expect to pay for your Envoy, just enter your ZIP code below and get several free quotes in minutes.

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2006 GMC Envoy Car Insurance

You can expect full coverage for a 2006 Envoy to run about $131 monthly, while liability only coverage will average around $75 a month.

Looking for the lowest policy? MetroMile offered liability only coverage for sometimes as little as $20 per month.

If you want to know exactly how much you can expect to pay for your Envoy, get free quotes in minutes by just entering your ZIP code below.

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2005 GMC Envoy Car Insurance

It costs about $75 monthly for liability or $128 for a full coverage policy for the 2005 GMC Envoy.

With prices sometimes as cheap as $17 a month, Shelter Mutual offered the most affordable policy we found for the 2005 GMC Envoy.

Want to figure out exactly what you'll be asked to pay? Get several free customized quotes by just entering your ZIP code below.

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2004 GMC Envoy Car Insurance

On average, drivers who own a 2004 Envoy can expect to pay $83 to $131 per month for liability only and full coverage insurance, respectively.

Liberty Mutual has premiums as low as $19 a month for the 2004 GMC Envoy.

If you want to find the best rates for car insurance for a 2004 GMC Envoy, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2003 GMC Envoy Car Insurance

You can expect full coverage for a 2003 GMC Envoy to run around $131 per month, while liability only coverage will average about $78 monthly.

We found Liberty Mutual offered the cheapest policy, with rates as low as just $16 a month.

If you want to find the best premiums for auto insurance for a 2003 GMC Envoy, enter your ZIP code below and compare a whole bunch of personalized quotes in just a few minutes.

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2002 GMC Envoy Car Insurance

The average cost to insure a 2002 Envoy with liability only coverage is $77 per month, while full coverage runs around $126 monthly.

StateAuto has rates as little as $18 a month for the 2002 GMC Envoy.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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1999 GMC Envoy Car Insurance

It costs about $65 monthly for liability or $140 for a full coverage policy for the 1999 GMC Envoy.

With prices as little as just $16 per month, Liberty Mutual offered the lowest policy we found for the 1999 GMC Envoy.

Want to know just how much you'll pay? Just enter your ZIP code below to get lots of free personalized quotes.

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1998 GMC Envoy Car Insurance

1998 Envoy drivers can expect to pay an average of $85 a month for liability or $89 for full coverage.

Safeco offered the most affordable policy we found, with rates sometimes as cheap as $23 monthly.

While these are good estimates of what the average driver might pay to insure a 1998 GMC Envoy, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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GMC Envoy Insurance FAQs

Is a GMC Envoy expensive to insure?

When compared to the national average of all SUVs, prices come in on the less expensive end of the spectrum. Liability insurance runs an average of $78 per month, while full coverage will cost you around $129.

How can I get the best price on car insurance for my GMC Envoy?

There's only one way to confirm you're getting the cheapest rates -- regularly shopping around and comparing quotes from a multitude of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my GMC Envoy affect my insurance prices?

Have you heard the old adage that it costs more to insure a red car before? Well, that's simply not true. There are quite a few factors insurance carriers examine when they calculate how much you'll pay, but the color of your Envoy is not one of them.

Do I need to have insurance before I buy a GMC Envoy?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) GMC Envoy off the dealership lot. As part of the buying process, some dealerships may offer you an auto insurance policy, but the best thing to do when buying a a new SUV is to talk with your car insurance company before you buy.

What car insurance discounts can I get for my GMC Envoy?

There are a ton of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are more based on you than the car you drive, but if your Envoy has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to contact your insurance carrier and ask about which discounts they offer.