GMC Yukon XL Insurance Rates
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UPDATED: Mar 29, 2024
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Estimated auto insurance rates for a GMC Yukon XL are $1,308 annually for full coverage. Comprehensive insurance costs around $270, collision insurance costs $424, and liability coverage costs $456. A policy with only liability insurance costs as little as $508 a year, and a high-risk policy costs $2,818 or more. 16-year-old drivers pay the most at up to $4,966 a year.
Average premium for full coverage: $1,308
Premium estimates for type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Yukon XL models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a GMC Yukon XL range from as cheap as $508 for a discount liability-only rate to the much higher price of $2,818 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than congested cities. The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences show why everyone should compare rates for a specific zip code 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.
Rates by State, City, and Model
The chart below shows average GMC Yukon XL insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $764
- Drivers who choose higher $1,000 deductibles will pay about $158 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,308
- Buying pricier low deductibles for comprehensive and collision insurance costs an additional $302 each year
- High-risk insureds with multiple tickets or accidents could pay at least $2,818
- An auto insurance policy with full coverage for a teenage driver for full coverage can be $4,966 a year
Car insurance prices for a GMC Yukon XL also have a wide range based on the model of your Yukon XL, your driver profile, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. GMC Yukon XL insurance for high-risk drivers can cost around 42% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $460 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in GMC Yukon XL insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or at least $1,870 on average in Michigan, Louisiana, and New York.
| 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 More Affordable GMC Yukon XL Insurance
Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The list below is a summary of the ideas that were covered in the above illustrations.
- Teenagers are the costliest to insure, as much as $414 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations pay an average of $1,510 more every year for car insurance
- Increasing policy deductibles could save up to $450 each year
- Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
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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