GMC Yukon XL Insurance Rates

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How Much Does 2016 GMC Yukon XL Car Insurance Cost in 2025?

Want cheaper car insurance rates for your GMC Yukon XL? No one loves paying for car insurance, especially knowing they could find better rates elsewhere. You have multiple car insurance companies to purchase coverage from, and although it's a good thing to be able to choose, so many choices can make it hard to find a good deal. Which auto insurance is cheapest? When shopping for auto insurance th...

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UPDATED: Mar 29, 2024

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Average insurance rates for a GMC Yukon XL are $1,256 a year for full coverage. Comprehensive insurance costs approximately $258, collision insurance costs $380, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,702 or more. Teens receive the highest rates at up to $4,800 a year.

Average premium for full coverage: $1,256

Rate estimates by individual coverage type:

Comprehensive $258
Collision $380
Liability $460

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Yukon XL models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from as low as $510 for basic liability insurance to the much higher price of $2,702 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,256
High Risk $2,702

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

These examples show why everyone should compare prices using their specific location and risk profile, instead of using averaged prices.

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.

Rate Comparisons

The chart below shows average GMC Yukon XL insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $740
  • Using higher $1,000 deductibles will save $146 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,256
  • Selecting pricier low deductibles for physical damage coverage will cost an extra $278 every year
  • Drivers with serious driving violations could pay around $2,702
  • The cost for full coverage for a teen driver for full coverage can cost $4,800 or more

View Chart as Image

GMC Yukon XL insurance cost comparison chart
Column chart showing GMC Yukon XL insurance prices range from $740 to $4,800 for full coverage

Car insurance rates for a GMC Yukon XL can also vary considerably based on your driver profile, the trim level of your Yukon XL, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

Where you live has a huge impact on GMC Yukon XL insurance prices. A driver around age 40 might see rates as low as $830 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,790 on average in New York, Louisiana, and Michigan.

GMC Yukon XL Insurance Rates by State
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%

View Chart as Image

GMC Yukon XL insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. GMC Yukon XL insurance for high-risk drivers can be as much as 44% to 133% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

GMC Yukon XL Insurance Rates by Model and Trim Level
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.

GMC Yukon XL Insurance Rates by Model Year
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 the Best GMC Yukon XL Insurance

Saving money on car insurance requires being a low-risk driver, having above-average credit, eliminating unneeded coverage, and attention to physical damage deductibles. Set aside time to shop around every other policy renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief recap of the ideas that were raised in the charts and tables above.

  • Teen drivers pay the highest auto insurance rates, costing as high as $400 per month if full coverage is included
  • Higher risk drivers who tend to receive serious violations may pay on average $1,450 more per year to insure their Yukon XL
  • Increasing deductibles can save around $425 each year
  • Drivers can save around $150 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

GMC Yukon XL Insurance 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

GMC Yukon XL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,406
$500 $1,256
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

GMC Yukon XL Insurance Rates with Different Liability Limits
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

GMC Yukon XL Insurance 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.

SR-22 Surcharge $170

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
Rate after discounts $740

Discounts are estimated and may not be available from every company or in every state.

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