GMC Yukon XL Insurance Rates

The average insurance rates for a GMC Yukon XL are $1,256 a year with full coverage. Comprehensive costs approximately $258 a year, collision costs $380, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,702. Teen drivers cost the most to insure at $4,800 a year or more.

Average premium for full coverage: $1,256

Policy rates by type of insurance:

Estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Yukon XL trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details estimated GMC Yukon XL insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $740
• Raising to $1,000 deductibles will save $1,110 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,256
• Choosing low $100 deductibles will increase the cost to $1,534
• Drivers with multiple violations and an at-fault accident could pay around $2,702 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,800

View Chart as Image

Auto insurance rates for a GMC Yukon XL also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state also has a big influence on GMC Yukon XL insurance prices. A middle-age driver might find rates as low as $910 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,700 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $430 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost GMC Yukon XL Insurance

Finding cheaper rates on insurance for a GMC Yukon XL consists of having a good driving record, having good credit, not filing small claims, and not having any coverage lapses. Spend time shopping around every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a review of the material that was touched on above.

• Insureds who purchase increased levels of liability coverage will pay about $510 every year to raise from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger have the highest car insurance rates, as much as $400 each month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,450 more per year to buy GMC Yukon XL insurance
• Increasing comprehensive and collision deductibles can save around $425 each year