GMC Yukon XL Insurance Rates
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UPDATED: Mar 29, 2024
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U.S. average auto insurance rates for a GMC Yukon XL are $1,308 annually including full coverage. Comprehensive costs an estimated $270 a year, collision insurance costs $424, and liability is $456. Liability-only insurance costs around $508 a year, and high-risk driver insurance costs around $2,818. Teens pay the highest rates at up to $4,966 a year.
Average premium for full coverage: $1,308
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Yukon XL trim levels.
Price Range from Low to High
For the normal driver, GMC Yukon XL insurance prices range from as cheap as $508 for just the minimum liability insurance to a high of $2,818 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects insurance prices.
The ranges above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Additional Rate Analysis
The chart below breaks down average GMC Yukon XL insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $764
- Raising to $1,000 deductibles will save approximately $1,150 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,308
- Selecting low $100 deductibles will cost $1,610
- Drivers with serious driving violations could pay up to $2,818
- The price with full coverage for a 16-year-old driver can cost as much as $4,966
Car insurance prices for a GMC Yukon XL are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $460 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on GMC Yukon XL insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,870 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,182 | -$126 | -9.6% |
| Alaska | $1,002 | -$306 | -23.4% |
| Arizona | $1,086 | -$222 | -17.0% |
| Arkansas | $1,308 | -$0 | 0.0% |
| California | $1,490 | $182 | 13.9% |
| Colorado | $1,250 | -$58 | -4.4% |
| Connecticut | $1,344 | $36 | 2.8% |
| Delaware | $1,480 | $172 | 13.1% |
| Florida | $1,636 | $328 | 25.1% |
| Georgia | $1,206 | -$102 | -7.8% |
| Hawaii | $940 | -$368 | -28.1% |
| Idaho | $882 | -$426 | -32.6% |
| Illinois | $976 | -$332 | -25.4% |
| Indiana | $986 | -$322 | -24.6% |
| Iowa | $882 | -$426 | -32.6% |
| Kansas | $1,242 | -$66 | -5.0% |
| Kentucky | $1,784 | $476 | 36.4% |
| Louisiana | $1,934 | $626 | 47.9% |
| Maine | $808 | -$500 | -38.2% |
| Maryland | $1,078 | -$230 | -17.6% |
| Massachusetts | $1,046 | -$262 | -20.0% |
| Michigan | $2,272 | $964 | 73.7% |
| Minnesota | $1,094 | -$214 | -16.4% |
| Mississippi | $1,566 | $258 | 19.7% |
| Missouri | $1,160 | -$148 | -11.3% |
| Montana | $1,404 | $96 | 7.3% |
| Nebraska | $1,030 | -$278 | -21.3% |
| Nevada | $1,568 | $260 | 19.9% |
| New Hampshire | $942 | -$366 | -28.0% |
| New Jersey | $1,460 | $152 | 11.6% |
| New Mexico | $1,158 | -$150 | -11.5% |
| New York | $1,378 | $70 | 5.4% |
| North Carolina | $754 | -$554 | -42.4% |
| North Dakota | $1,068 | -$240 | -18.3% |
| Ohio | $902 | -$406 | -31.0% |
| Oklahoma | $1,342 | $34 | 2.6% |
| Oregon | $1,198 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$60 | -4.6% |
| Rhode Island | $1,744 | $436 | 33.3% |
| South Carolina | $1,184 | -$124 | -9.5% |
| South Dakota | $1,104 | -$204 | -15.6% |
| Tennessee | $1,144 | -$164 | -12.5% |
| Texas | $1,576 | $268 | 20.5% |
| Utah | $970 | -$338 | -25.8% |
| Vermont | $896 | -$412 | -31.5% |
| Virginia | $784 | -$524 | -40.1% |
| Washington | $1,010 | -$298 | -22.8% |
| West Virginia | $1,198 | -$110 | -8.4% |
| Wisconsin | $904 | -$404 | -30.9% |
| Wyoming | $1,164 | -$144 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Yukon XL 2WD | $1,274 | $106 |
| GMC Yukon XL SLE 2WD | $1,274 | $106 |
| GMC Yukon XL 2500 2WD | $1,274 | $106 |
| GMC Yukon XL SLE 2500 2WD | $1,274 | $106 |
| GMC Yukon XL 4WD | $1,274 | $106 |
| GMC Yukon XL SLE 4WD | $1,274 | $106 |
| GMC Yukon XL SLT 2WD | $1,308 | $109 |
| GMC Yukon XL SLT 2500 2WD | $1,308 | $109 |
| GMC Yukon XL SLT 4WD | $1,308 | $109 |
| GMC Yukon XL 2500 4WD | $1,308 | $109 |
| GMC Yukon XL SLE 2500 4WD | $1,308 | $109 |
| GMC Yukon XL SLT 2500 4WD | $1,340 | $112 |
| GMC Yukon XL Denali 2WD | $1,374 | $115 |
| GMC Yukon XL Denali 4WD | $1,374 | $115 |
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 | $362 | $562 | $372 | $1,454 |
| 2023 GMC Yukon XL | $346 | $542 | $390 | $1,436 |
| 2022 GMC Yukon XL | $332 | $536 | $398 | $1,424 |
| 2021 GMC Yukon XL | $320 | $524 | $416 | $1,418 |
| 2020 GMC Yukon XL | $310 | $502 | $430 | $1,400 |
| 2019 GMC Yukon XL | $292 | $484 | $442 | $1,376 |
| 2017 GMC Yukon XL | $270 | $424 | $456 | $1,308 |
| 2016 GMC Yukon XL | $258 | $380 | $460 | $1,256 |
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 Buy Cheap GMC Yukon XL Insurance
Getting lower rates on insurance for a GMC Yukon XL consists of being safe and accident-free, having a good credit score, being claim-free, and possibly higher deductibles. Invest the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief summary of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,510 more annually than a low-risk driver
- You may be able to save approximately $150 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $450 each year
- Insureds who want more liability protection will pay approximately $500 per year to raise from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,966 |
| 20 | $2,994 |
| 30 | $1,352 |
| 40 | $1,308 |
| 50 | $1,196 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,610 |
| $250 | $1,470 |
| $500 | $1,308 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,308 |
| 50/100 | $1,465 |
| 100/300 | $1,579 |
| 250/500 | $1,876 |
| 100 CSL | $1,511 |
| 300 CSL | $1,762 |
| 500 CSL | $1,944 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,060 |
| 20 | $4,766 |
| 30 | $2,866 |
| 40 | $2,818 |
| 50 | $2,690 |
| 60 | $2,666 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $92 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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