GMC Yukon XL Insurance Rates

The average auto insurance rates for a GMC Yukon XL are $1,256 annually for full coverage. Comprehensive insurance costs approximately $258, collision costs $380, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,702 or more. 16-year-old drivers cost the most to insure at $4,800 a year or more.

Average premium for full coverage: $1,256

Policy rates by type of insurance:

Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Yukon XL models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities.

The example below illustrates how location impacts auto insurance prices.

The examples above show why everyone should compare rates using their specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Information

The chart below shows estimated GMC Yukon XL insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $740
• Drivers who choose higher $1,000 deductibles will pay $146 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,256
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $278 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,702 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $4,800 a year

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average, 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 could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. GMC Yukon XL insurance for high-risk drivers can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $430 every year, whereas buying more liability protection will push rates upward. Going 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 makes a big difference in GMC Yukon XL insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,790 on average in New York, Louisiana, and Michigan.

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Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and rates will be varied between companies.

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 not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick review of the concepts that were touched on above.

• Higher risk drivers with a DUI or reckless driving violation pay on average $1,450 more per year for Yukon XL insurance
• Teens are the costliest to insure, costing up to $400 each month if they have full coverage
• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date