GMC Yukon XL Insurance Rates

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 29, 2024

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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:

Comprehensive $258
Collision $380
Liability $460

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

For a driver around age 40, insurance rates for a GMC Yukon XL range from as low as $510 for just the minimum liability insurance to a high rate of $2,702 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,256
High Risk $2,702

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.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

View Chart as Image

GMC Yukon XL insurance cost comparison chart
Column chart showing GMC Yukon XL insurance prices range from $740 to $4,800 for full coverage

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.

GMC Yukon XL Insurance Rates by State
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%

View Chart as Image

GMC Yukon XL insurance rates by U.S. city

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

GMC Yukon XL Insurance Rates by Model and Trim Level
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 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.

GMC Yukon XL Insurance Rates by Model Year
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 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

Rates by Driver Age

GMC Yukon XL Insurance 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

GMC Yukon XL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,406
$500 $1,256
$1,000 $1,110

Full coverage, driver age 40

Rates by Liability Limit

GMC Yukon XL Insurance Rates with Different Liability Limits
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

GMC Yukon XL Insurance 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.

SR-22 Surcharge $170

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
Rate after discounts $740

Discounts are estimated and may not be available from every company or in every state.

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