GMC Yukon XL Insurance Rates
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Michelle Robbins
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UPDATED: Mar 29, 2024
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U.S. average insurance rates for a GMC Yukon XL are $1,256 a year for full coverage insurance. Comprehensive insurance costs around $258, collision insurance costs $380, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs $2,702 or more. 16-year-old drivers pay the highest rates at up to $4,800 a year.
Average premium for full coverage: $1,256
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Yukon XL trim levels.
Price Range from Low to High
For a 40-year-old driver, GMC Yukon XL insurance prices range from as low as $510 for just liability coverage to a much higher rate of $2,702 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how your location can change auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, 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.
Detailed Rate Analysis
The chart below illustrates average GMC Yukon XL insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $740
- Choosing higher $1,000 deductibles can save about $146 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,256
- Buying more expensive low deductibles for comp and collision coverage will cost an extra $278 each year
- Drivers with multiple tickets or accidents could pay at least $2,702
- The price for full coverage for a teenage driver with full coverage can be $4,800 each year
Insurance prices for a GMC Yukon XL are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $4,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for GMC Yukon XL insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,700 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,138 | -$118 | -9.4% |
| Alaska | $962 | -$294 | -23.4% |
| Arizona | $1,042 | -$214 | -17.0% |
| Arkansas | $1,256 | -$0 | 0.0% |
| California | $1,430 | $174 | 13.9% |
| Colorado | $1,200 | -$56 | -4.5% |
| Connecticut | $1,292 | $36 | 2.9% |
| Delaware | $1,422 | $166 | 13.2% |
| Florida | $1,572 | $316 | 25.2% |
| Georgia | $1,158 | -$98 | -7.8% |
| Hawaii | $902 | -$354 | -28.2% |
| Idaho | $852 | -$404 | -32.2% |
| Illinois | $934 | -$322 | -25.6% |
| Indiana | $946 | -$310 | -24.7% |
| Iowa | $846 | -$410 | -32.6% |
| Kansas | $1,194 | -$62 | -4.9% |
| Kentucky | $1,714 | $458 | 36.5% |
| Louisiana | $1,858 | $602 | 47.9% |
| Maine | $776 | -$480 | -38.2% |
| Maryland | $1,038 | -$218 | -17.4% |
| Massachusetts | $1,006 | -$250 | -19.9% |
| Michigan | $2,184 | $928 | 73.9% |
| Minnesota | $1,052 | -$204 | -16.2% |
| Mississippi | $1,504 | $248 | 19.7% |
| Missouri | $1,114 | -$142 | -11.3% |
| Montana | $1,350 | $94 | 7.5% |
| Nebraska | $992 | -$264 | -21.0% |
| Nevada | $1,508 | $252 | 20.1% |
| New Hampshire | $906 | -$350 | -27.9% |
| New Jersey | $1,404 | $148 | 11.8% |
| New Mexico | $1,114 | -$142 | -11.3% |
| New York | $1,324 | $68 | 5.4% |
| North Carolina | $722 | -$534 | -42.5% |
| North Dakota | $1,028 | -$228 | -18.2% |
| Ohio | $868 | -$388 | -30.9% |
| Oklahoma | $1,292 | $36 | 2.9% |
| Oregon | $1,150 | -$106 | -8.4% |
| Pennsylvania | $1,198 | -$58 | -4.6% |
| Rhode Island | $1,676 | $420 | 33.4% |
| South Carolina | $1,138 | -$118 | -9.4% |
| South Dakota | $1,060 | -$196 | -15.6% |
| Tennessee | $1,100 | -$156 | -12.4% |
| Texas | $1,516 | $260 | 20.7% |
| Utah | $930 | -$326 | -26.0% |
| Vermont | $860 | -$396 | -31.5% |
| Virginia | $754 | -$502 | -40.0% |
| Washington | $974 | -$282 | -22.5% |
| West Virginia | $1,152 | -$104 | -8.3% |
| Wisconsin | $868 | -$388 | -30.9% |
| Wyoming | $1,120 | -$136 | -10.8% |
Opting for high physical damage deductibles can save as much as $430 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges around 44% to 133% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Yukon XL 2WD | $1,224 | $102 |
| GMC Yukon XL SLE 2WD | $1,224 | $102 |
| GMC Yukon XL 2500 2WD | $1,224 | $102 |
| GMC Yukon XL SLE 2500 2WD | $1,224 | $102 |
| GMC Yukon XL 4WD | $1,224 | $102 |
| GMC Yukon XL SLE 4WD | $1,224 | $102 |
| GMC Yukon XL SLT 2WD | $1,256 | $105 |
| GMC Yukon XL SLT 2500 2WD | $1,256 | $105 |
| GMC Yukon XL SLT 4WD | $1,256 | $105 |
| GMC Yukon XL 2500 4WD | $1,256 | $105 |
| GMC Yukon XL SLE 2500 4WD | $1,256 | $105 |
| GMC Yukon XL SLT 2500 4WD | $1,286 | $107 |
| GMC Yukon XL Denali 2WD | $1,318 | $110 |
| GMC Yukon XL Denali 4WD | $1,318 | $110 |
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 | $346 | $542 | $390 | $1,436 |
| 2023 GMC Yukon XL | $332 | $536 | $398 | $1,424 |
| 2022 GMC Yukon XL | $320 | $524 | $416 | $1,418 |
| 2021 GMC Yukon XL | $310 | $502 | $430 | $1,400 |
| 2020 GMC Yukon XL | $292 | $484 | $442 | $1,376 |
| 2019 GMC Yukon XL | $282 | $450 | $452 | $1,342 |
| 2017 GMC Yukon XL | $258 | $380 | $460 | $1,256 |
| 2016 GMC Yukon XL | $242 | $350 | $460 | $1,210 |
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 Find Cheaper GMC Yukon XL Insurance
Getting lower rates on auto insurance takes being safe and accident-free, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a condensed summary of the data illustrated above.
- Consumers who may need more liability protection will pay around $510 annually to raise limits from a low limit to 250/500 limits
- It is possible to save up to $150 per year just by shopping early and online
- Increasing physical damage deductibles can save around $425 each year
- Youthful drivers pay higher prices, as much as $400 a month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,800 |
| 20 | $2,866 |
| 30 | $1,296 |
| 40 | $1,256 |
| 50 | $1,148 |
| 60 | $1,124 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,534 |
| $250 | $1,406 |
| $500 | $1,256 |
| $1,000 | $1,110 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,256 |
| 50/100 | $1,410 |
| 100/300 | $1,525 |
| 250/500 | $1,824 |
| 100 CSL | $1,456 |
| 300 CSL | $1,709 |
| 500 CSL | $1,893 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,810 |
| 20 | $4,564 |
| 30 | $2,748 |
| 40 | $2,702 |
| 50 | $2,580 |
| 60 | $2,556 |
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 | $66 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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