GMC Yukon XL Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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:
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.
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.
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
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.
| 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% |
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
| 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 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
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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