GMC Yukon XL Insurance Rates

Estimated insurance rates for a GMC Yukon XL are $1,256 a year for full coverage insurance. Comprehensive insurance costs on average $258 each year, collision insurance costs $380, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,702 or more. Teen drivers pay the most at up to $4,800 a year.

Average premium for full coverage: $1,256

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Yukon XL models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates average GMC Yukon XL insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $740
• Raising to $1,000 deductibles will save around $146 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,256
• Choosing low deductibles will cost an extra $278 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,702
• An auto insurance policy for full coverage for a 16-year-old driver may cost $4,800

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Insurance prices for a GMC Yukon XL also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Yukon XL insurance prices. A middle-age driver might find prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,700 on average in Michigan, New York, and Florida.

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Choosing high deductibles can reduce prices by up to $430 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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 Find Affordable GMC Yukon XL Insurance

Finding better rates on insurance for a GMC Yukon XL consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the car insurance concepts covered above.

• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,450 more each year than a safer driver
• It is possible to save as much as $150 per year just by quoting online in advance
• Increasing policy deductibles can save around $425 each year
• Insureds who require an increased level of liability coverage will pay about $510 annually to raise from 30/60 bodily injury limits to 250/500 limits