GMC Yukon XL Insurance Rates
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Michelle Robbins
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UPDATED: Mar 29, 2024
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The average insurance prices for a GMC Yukon XL are $1,210 every 12 months with full coverage. Comprehensive costs on average $242, collision insurance costs $350, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,600. Teen drivers cost the most to insure at up to $4,654 a year.
Average premium for full coverage: $1,210
Policy rates by type of insurance:
These estimates include $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Yukon XL trim levels.
Price Range Variability
For a 40-year-old driver, GMC Yukon XL insurance rates range from the cheapest price of $510 for just liability insurance to a much higher rate of $2,600 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on 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.
More Rate Details
The chart below details average GMC Yukon XL insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $717
- Using higher $1,000 deductibles will save around $136 annually
- The average price for a good driver age 40 with $500 deductibles is $1,210
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,466
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,600
- Policy cost to insure a teen driver with full coverage may cost $4,654 or more
Auto insurance rates for a GMC Yukon XL also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Yukon XL.
Choosing high deductibles could cut rates by as much as $400 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 129% more than average. View High Risk Driver Rates
Your home state has a huge impact on GMC Yukon XL insurance rates. A driver around age 40 might see rates as low as $870 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,630 on average in Florida, Michigan, and New York.
| 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 Cheap GMC Yukon XL Insurance
Finding cheaper rates on GMC Yukon XL insurance requires not taking risks behind the wheel, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from local exclusive and independent agents.
The following is a brief summary of the material that was illustrated above.
- Drivers who require higher liability limits will pay about $510 every year to increase from a 30/60 limit to a 250/500 level
- Teens are charged the highest rates, as much as $388 each month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,390 more each year for Yukon XL insurance
- Increasing comprehensive and collision deductibles could save as much as $400 each year
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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