GMC Yukon XL Insurance Rates
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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 a year, collision costs $380, and liability costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,702 or more. Teen drivers receive the highest rates at $4,800 a year or more.
Average premium for full coverage: $1,256
Rate estimates by individual coverage type:
These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Yukon XL trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $510 for a discount liability-only rate to a high of $2,702 for a driver who requires high-risk insurance.
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 larger metro areas.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These examples show why it is important to compare prices using their specific location and risk profile, instead of using price averages.
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.
Rates by State, City, and Model
The chart below shows estimated 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 $1,110 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,256
- Choosing low $100 deductibles for physical damage coverage will cost an extra $278 every year
- Drivers with multiple violations and an at-fault accident could pay around $2,702 or more
- The cost for full coverage for a teen driver can cost $4,800 or more
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.
Older drivers with a clean driving record and high deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay 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 as much as $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 high deductibles could cut rates by as much as $430 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. 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. A high-risk auto insurance policy can be as much as 44% to 133% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.
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 Cheap GMC Yukon XL Insurance
Saving money on car insurance requires being a safe and courteous driver, maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
Below is a brief summary of the concepts that were covered above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,450 more per year for auto insurance
- Teenage drivers are expensive to insure, costing as high as $400 per month for full coverage
- Drivers can save around $150 per year simply by quoting early and online
- Increasing deductibles can save around $425 each year
- Drivers can save around $150 per year simply by quoting early and online
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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