GMC Yukon XL Insurance Rates
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UPDATED: Mar 29, 2024
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Average auto insurance rates for a GMC Yukon XL are $1,308 annually for full coverage insurance. Comprehensive insurance costs an estimated $270 a year, collision insurance costs $424, and liability coverage costs around $456. A policy with just liability insurance costs as low as $508 a year, and coverage for high-risk drivers costs $2,818 or more. 16-year-old drivers receive the highest rates at up to $4,966 a year.
Average premium for full coverage: $1,308
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Yukon XL trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $508 for the bare minimum liability coverage to a high of $2,818 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.
These examples illustrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates average GMC Yukon XL insurance rates for other coverage scenarios.
- The best full coverage rate is $764
- Using higher $1,000 deductibles will save approximately $1,150 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,308
- Buying low $100 deductibles for physical damage coverage costs an additional $302 each year
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,818
- The cost with full coverage for a teenage driver can cost as much as $4,966 or more
Insurance rates for a GMC Yukon XL can also vary considerably based on the trim level of your Yukon XL, your risk profile, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be around 42% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $460 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on GMC Yukon XL insurance rates. A driver around age 40 might see rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,770 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,182 | -$126 | -9.6% |
| Alaska | $1,002 | -$306 | -23.4% |
| Arizona | $1,086 | -$222 | -17.0% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,490 | $182 | 13.9% |
| Colorado | $1,250 | -$58 | -4.4% |
| Connecticut | $1,344 | $36 | 2.8% |
| Delaware | $1,480 | $172 | 13.1% |
| Florida | $1,636 | $328 | 25.1% |
| Georgia | $1,206 | -$102 | -7.8% |
| Hawaii | $940 | -$368 | -28.1% |
| Idaho | $882 | -$426 | -32.6% |
| Illinois | $976 | -$332 | -25.4% |
| Indiana | $986 | -$322 | -24.6% |
| Iowa | $882 | -$426 | -32.6% |
| Kansas | $1,242 | -$66 | -5.0% |
| Kentucky | $1,784 | $476 | 36.4% |
| Louisiana | $1,934 | $626 | 47.9% |
| Maine | $808 | -$500 | -38.2% |
| Maryland | $1,078 | -$230 | -17.6% |
| Massachusetts | $1,046 | -$262 | -20.0% |
| Michigan | $2,272 | $964 | 73.7% |
| Minnesota | $1,094 | -$214 | -16.4% |
| Mississippi | $1,566 | $258 | 19.7% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,404 | $96 | 7.3% |
| Nebraska | $1,030 | -$278 | -21.3% |
| Nevada | $1,568 | $260 | 19.9% |
| New Hampshire | $942 | -$366 | -28.0% |
| New Jersey | $1,460 | $152 | 11.6% |
| New Mexico | $1,158 | -$150 | -11.5% |
| New York | $1,378 | $70 | 5.4% |
| North Carolina | $754 | -$554 | -42.4% |
| North Dakota | $1,068 | -$240 | -18.3% |
| Ohio | $902 | -$406 | -31.0% |
| Oklahoma | $1,342 | $34 | 2.6% |
| Oregon | $1,198 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$60 | -4.6% |
| Rhode Island | $1,744 | $436 | 33.3% |
| South Carolina | $1,184 | -$124 | -9.5% |
| South Dakota | $1,104 | -$204 | -15.6% |
| Tennessee | $1,144 | -$164 | -12.5% |
| Texas | $1,576 | $268 | 20.5% |
| Utah | $970 | -$338 | -25.8% |
| Vermont | $896 | -$412 | -31.5% |
| Virginia | $784 | -$524 | -40.1% |
| Washington | $1,010 | -$298 | -22.8% |
| West Virginia | $1,198 | -$110 | -8.4% |
| Wisconsin | $904 | -$404 | -30.9% |
| Wyoming | $1,164 | -$144 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Yukon XL 2WD | $1,274 | $106 |
| GMC Yukon XL SLE 2WD | $1,274 | $106 |
| GMC Yukon XL 2500 2WD | $1,274 | $106 |
| GMC Yukon XL SLE 2500 2WD | $1,274 | $106 |
| GMC Yukon XL 4WD | $1,274 | $106 |
| GMC Yukon XL SLE 4WD | $1,274 | $106 |
| GMC Yukon XL SLT 2WD | $1,308 | $109 |
| GMC Yukon XL SLT 2500 2WD | $1,308 | $109 |
| GMC Yukon XL SLT 4WD | $1,308 | $109 |
| GMC Yukon XL 2500 4WD | $1,308 | $109 |
| GMC Yukon XL SLE 2500 4WD | $1,308 | $109 |
| GMC Yukon XL SLT 2500 4WD | $1,340 | $112 |
| GMC Yukon XL Denali 2WD | $1,374 | $115 |
| GMC Yukon XL Denali 4WD | $1,374 | $115 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Yukon XL | $362 | $562 | $372 | $1,454 |
| 2023 GMC Yukon XL | $346 | $542 | $390 | $1,436 |
| 2022 GMC Yukon XL | $332 | $536 | $398 | $1,424 |
| 2021 GMC Yukon XL | $320 | $524 | $416 | $1,418 |
| 2020 GMC Yukon XL | $310 | $502 | $430 | $1,400 |
| 2019 GMC Yukon XL | $292 | $484 | $442 | $1,376 |
| 2017 GMC Yukon XL | $270 | $424 | $456 | $1,308 |
| 2016 GMC Yukon XL | $258 | $380 | $460 | $1,256 |
Rates are averaged for all GMC Yukon XL models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest GMC Yukon XL Insurance
Saving money on auto insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a recap of the data touched on in this article.
- Consumers who want increased liability limits will pay around $500 annually to increase from a minimum limit to higher 250/500 limits
- It is possible to save approximately $150 per year just by quoting early and online
- Increasing deductibles could save up to $450 each year
- Drivers under the age of 20 are expensive to insure, costing up to $414 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,966 |
| 20 | $2,994 |
| 30 | $1,352 |
| 40 | $1,308 |
| 50 | $1,196 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,610 |
| $250 | $1,470 |
| $500 | $1,308 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,465 |
| 100/300 | $1,579 |
| 250/500 | $1,876 |
| 100 CSL | $1,511 |
| 300 CSL | $1,762 |
| 500 CSL | $1,944 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,060 |
| 20 | $4,766 |
| 30 | $2,866 |
| 40 | $2,818 |
| 50 | $2,690 |
| 60 | $2,666 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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