GMC Yukon XL Insurance Rates

The average auto insurance rates for a GMC Yukon XL are $1,256 annually including full coverage. Comprehensive 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 around $2,702. Teen drivers cost the most to insure at up to $4,800 a year.

Average premium for full coverage: $1,256

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Yukon XL trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $740
• Using higher $1,000 deductibles will save $146 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,256
• Choosing more expensive low deductibles for physical damage coverage will cost $1,534
• Drivers with multiple violations and an at-fault accident could pay around $2,702
• Policy cost with full coverage for a teen driver with full coverage can cost $4,800 or more

View Chart as Image

Insurance rates for a GMC Yukon XL also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be as much as 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $430 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on GMC Yukon XL insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,790 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy the Best Cheap GMC Yukon XL Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick review of the ideas that were presented in the illustrations above.

• Teenage drivers are the costliest to insure, with premiums being up to $400 each month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,450 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $425 each year
• You may be able to save around $150 per year just by shopping early and online