GMC Yukon XL Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 29, 2024
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Average insurance prices for a GMC Yukon XL are $1,210 every 12 months for full coverage. Comprehensive costs approximately $242 each year, collision insurance costs $350, and liability coverage is $460. Buying just liability costs around $510 a year, and insurance for high-risk drivers costs around $2,600. Teenage drivers receive the highest rates at up to $4,654 a year.
Average premium for full coverage: $1,210
Rate estimates by individual coverage type:
Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Yukon XL models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $510 for basic liability insurance to a high rate of $2,600 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
These examples show why all drivers should compare rates quotes using their specific location and their own driving history, rather than using average rates.
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 best discount rate is $717
- Raising to $1,000 deductibles will save $136 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,210
- Using low deductibles increases the price to $1,466
- Unlucky drivers who are prone to accidents and violations could pay around $2,600
- The cost to insure a teenage driver can cost $4,654
Auto insurance rates for a GMC Yukon XL can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Yukon XL.
Using high physical damage deductibles can reduce rates by up to $400 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates
Where you live also has a big influence on GMC Yukon XL insurance rates. A middle-age driver might find rates as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,730 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$116 | -9.6% |
| Alaska | $928 | -$282 | -23.3% |
| Arizona | $1,004 | -$206 | -17.0% |
| Arkansas | $1,210 | -$0 | 0.0% |
| California | $1,378 | $168 | 13.9% |
| Colorado | $1,156 | -$54 | -4.5% |
| Connecticut | $1,242 | $32 | 2.6% |
| Delaware | $1,368 | $158 | 13.1% |
| Florida | $1,512 | $302 | 25.0% |
| Georgia | $1,116 | -$94 | -7.8% |
| Hawaii | $868 | -$342 | -28.3% |
| Idaho | $818 | -$392 | -32.4% |
| Illinois | $900 | -$310 | -25.6% |
| Indiana | $910 | -$300 | -24.8% |
| Iowa | $816 | -$394 | -32.6% |
| Kansas | $1,150 | -$60 | -5.0% |
| Kentucky | $1,650 | $440 | 36.4% |
| Louisiana | $1,788 | $578 | 47.8% |
| Maine | $748 | -$462 | -38.2% |
| Maryland | $998 | -$212 | -17.5% |
| Massachusetts | $968 | -$242 | -20.0% |
| Michigan | $2,100 | $890 | 73.6% |
| Minnesota | $1,012 | -$198 | -16.4% |
| Mississippi | $1,448 | $238 | 19.7% |
| Missouri | $1,072 | -$138 | -11.4% |
| Montana | $1,300 | $90 | 7.4% |
| Nebraska | $954 | -$256 | -21.2% |
| Nevada | $1,450 | $240 | 19.8% |
| New Hampshire | $872 | -$338 | -27.9% |
| New Jersey | $1,352 | $142 | 11.7% |
| New Mexico | $1,072 | -$138 | -11.4% |
| New York | $1,274 | $64 | 5.3% |
| North Carolina | $696 | -$514 | -42.5% |
| North Dakota | $990 | -$220 | -18.2% |
| Ohio | $834 | -$376 | -31.1% |
| Oklahoma | $1,242 | $32 | 2.6% |
| Oregon | $1,108 | -$102 | -8.4% |
| Pennsylvania | $1,152 | -$58 | -4.8% |
| Rhode Island | $1,614 | $404 | 33.4% |
| South Carolina | $1,094 | -$116 | -9.6% |
| South Dakota | $1,020 | -$190 | -15.7% |
| Tennessee | $1,060 | -$150 | -12.4% |
| Texas | $1,458 | $248 | 20.5% |
| Utah | $894 | -$316 | -26.1% |
| Vermont | $828 | -$382 | -31.6% |
| Virginia | $724 | -$486 | -40.2% |
| Washington | $936 | -$274 | -22.6% |
| West Virginia | $1,108 | -$102 | -8.4% |
| Wisconsin | $838 | -$372 | -30.7% |
| Wyoming | $1,078 | -$132 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Yukon XL 2WD | $1,180 | $98 |
| GMC Yukon XL SLE 2WD | $1,180 | $98 |
| GMC Yukon XL 2500 2WD | $1,180 | $98 |
| GMC Yukon XL SLE 2500 2WD | $1,180 | $98 |
| GMC Yukon XL 4WD | $1,180 | $98 |
| GMC Yukon XL SLE 4WD | $1,180 | $98 |
| GMC Yukon XL SLT 2WD | $1,210 | $101 |
| GMC Yukon XL SLT 2500 2WD | $1,210 | $101 |
| GMC Yukon XL SLT 4WD | $1,210 | $101 |
| GMC Yukon XL 2500 4WD | $1,210 | $101 |
| GMC Yukon XL SLE 2500 4WD | $1,210 | $101 |
| GMC Yukon XL SLT 2500 4WD | $1,236 | $103 |
| GMC Yukon XL Denali 2WD | $1,266 | $106 |
| GMC Yukon XL Denali 4WD | $1,266 | $106 |
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 | $332 | $536 | $398 | $1,424 |
| 2023 GMC Yukon XL | $320 | $524 | $416 | $1,418 |
| 2022 GMC Yukon XL | $310 | $502 | $430 | $1,400 |
| 2021 GMC Yukon XL | $292 | $484 | $442 | $1,376 |
| 2020 GMC Yukon XL | $282 | $450 | $452 | $1,342 |
| 2019 GMC Yukon XL | $270 | $424 | $456 | $1,308 |
| 2017 GMC Yukon XL | $242 | $350 | $460 | $1,210 |
| 2016 GMC Yukon XL | $234 | $328 | $464 | $1,184 |
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 Shop for Affordable GMC Yukon XL Insurance
Saving money on auto insurance consists of being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief review of the information covered in the charts and tables above.
- Drivers can save around $140 per year just by quoting online in advance
- Teenage drivers have the highest car insurance rates, costing as high as $388 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $400 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,390 more per year for auto insurance
- Consumers who purchase higher levels of liability will pay an extra $510 each year to raise from a minimum limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,654 |
| 20 | $2,758 |
| 30 | $1,246 |
| 40 | $1,210 |
| 50 | $1,106 |
| 60 | $1,082 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,466 |
| $250 | $1,348 |
| $500 | $1,210 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,210 |
| 50/100 | $1,358 |
| 100/300 | $1,473 |
| 250/500 | $1,772 |
| 100 CSL | $1,404 |
| 300 CSL | $1,657 |
| 500 CSL | $1,841 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,598 |
| 20 | $4,392 |
| 30 | $2,642 |
| 40 | $2,600 |
| 50 | $2,484 |
| 60 | $2,460 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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