GMC Yukon Insurance Rates

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Cheapest 2004 GMC Yukon XL Insurance Rates in 2025

Trying to find lower car insurance rates for your GMC Yukon XL? Searching for low-cost insurance for a GMC Yukon XL can normally be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to find car insurance online so we're going to tell you the proper way to compare rates for your GMC and obtain the lowest price. It...

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Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

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UPDATED: Jun 4, 2023

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GMC Yukon XL insurance

Average auto insurance rates for a GMC Yukon are $1,044 annually for full coverage. Comprehensive insurance costs around $186 a year, collision costs $226, and liability coverage costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing $2,238 or more. 16-year-old drivers receive the highest rates at $4,152 a year or more.

Average premium for full coverage: $1,044

Rate estimates for individual coverage type:

Comprehensive $186
Collision $226
Liability $474

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Yukon trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $522 for liability-only coverage to a high of $2,238 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,044
High Risk $2,238

Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population tend to have fewer accident claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $783
Small Cities $1,096
Large Cities $1,409

These examples show why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using rate 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 Charts and Tables

The chart below shows estimated GMC Yukon insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $634
  • Drivers who choose higher $1,000 deductibles will pay about $950 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,044
  • Buying low $100 deductibles for comprehensive and collision insurance costs an additional $178 each year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,238 or more
  • The cost with full coverage for a teenage driver can be $4,152 a year

View Chart as Image

GMC Yukon insurance cost comparison chart
Column chart showing full coverage GMC Yukon insurance prices range from $634 to $4,152

Insurance rates for a GMC Yukon can also vary considerably based on the trim level of your Yukon, your driver profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can cost around 41% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $280 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in GMC Yukon insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or at least $1,490 on average in Michigan, Louisiana, and New York.

GMC Yukon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $944 -$100 -9.6%
Alaska $800 -$244 -23.4%
Arizona $866 -$178 -17.0%
Arkansas $1,044 -$0 0.0%
California $1,190 $146 14.0%
Colorado $998 -$46 -4.4%
Connecticut $1,074 $30 2.9%
Delaware $1,184 $140 13.4%
Florida $1,308 $264 25.3%
Georgia $962 -$82 -7.9%
Hawaii $750 -$294 -28.2%
Idaho $704 -$340 -32.6%
Illinois $778 -$266 -25.5%
Indiana $784 -$260 -24.9%
Iowa $704 -$340 -32.6%
Kansas $994 -$50 -4.8%
Kentucky $1,424 $380 36.4%
Louisiana $1,544 $500 47.9%
Maine $646 -$398 -38.1%
Maryland $860 -$184 -17.6%
Massachusetts $836 -$208 -19.9%
Michigan $1,814 $770 73.8%
Minnesota $872 -$172 -16.5%
Mississippi $1,250 $206 19.7%
Missouri $926 -$118 -11.3%
Montana $1,120 $76 7.3%
Nebraska $824 -$220 -21.1%
Nevada $1,252 $208 19.9%
New Hampshire $750 -$294 -28.2%
New Jersey $1,166 $122 11.7%
New Mexico $926 -$118 -11.3%
New York $1,100 $56 5.4%
North Carolina $602 -$442 -42.3%
North Dakota $854 -$190 -18.2%
Ohio $720 -$324 -31.0%
Oklahoma $1,074 $30 2.9%
Oregon $956 -$88 -8.4%
Pennsylvania $998 -$46 -4.4%
Rhode Island $1,392 $348 33.3%
South Carolina $946 -$98 -9.4%
South Dakota $882 -$162 -15.5%
Tennessee $916 -$128 -12.3%
Texas $1,258 $214 20.5%
Utah $772 -$272 -26.1%
Vermont $716 -$328 -31.4%
Virginia $626 -$418 -40.0%
Washington $808 -$236 -22.6%
West Virginia $956 -$88 -8.4%
Wisconsin $724 -$320 -30.7%
Wyoming $930 -$114 -10.9%

View Chart as Image

GMC Yukon insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

GMC Yukon Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Yukon SLE 2WD $976 $81
GMC Yukon 2WD $976 $81
GMC Yukon SLE 4WD $996 $83
GMC Yukon SLT 2WD $996 $83
GMC Yukon 4WD $996 $83
GMC Yukon SLT 4WD $1,014 $85
GMC Yukon Denali 2WD $1,032 $86
GMC Yukon Denali 4WD $1,052 $88
GMC Yukon Hybrid 2WD $1,180 $98
GMC Yukon Hybrid 4WD $1,180 $98
GMC Yukon Hybrid Denali 2WD $1,198 $100
GMC Yukon Hybrid Denali 4WD $1,218 $102

Rates assume 2010 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 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 GMC Yukon $358 $570 $390 $1,476
2023 GMC Yukon $344 $566 $398 $1,466
2022 GMC Yukon $332 $552 $416 $1,458
2021 GMC Yukon $320 $530 $430 $1,438
2020 GMC Yukon $304 $512 $442 $1,416
2019 GMC Yukon $292 $474 $452 $1,376
2018 GMC Yukon $280 $446 $456 $1,340
2017 GMC Yukon $268 $400 $460 $1,286
2016 GMC Yukon $250 $368 $460 $1,236
2015 GMC Yukon $242 $346 $464 $1,210
2014 GMC Yukon $236 $322 $474 $1,190
2013 GMC Yukon $218 $300 $474 $1,150
2012 GMC Yukon $212 $272 $478 $1,120
2011 GMC Yukon $198 $248 $474 $1,078
2010 GMC Yukon $186 $226 $474 $1,044
2008 GMC Yukon $178 $198 $460 $994
2007 GMC Yukon $176 $188 $452 $974
2006 GMC Yukon $160 $180 $446 $944
2005 GMC Yukon $154 $170 $442 $924

Rates are averaged for all GMC Yukon 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 the Best GMC Yukon Insurance

Saving money on auto insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to compare rates every other policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a brief recap of the ideas that were covered above.

  • Teenage drivers are charged the highest rates, costing as high as $346 per month if they have full coverage
  • Drivers who tend to receive serious violations pay an average of $1,190 more every year for auto insurance
  • Increasing deductibles could save up to $275 each year
  • Drivers can save up to $120 per year simply by quoting early and online

Rates by Driver Age

GMC Yukon Insurance Rates by Driver Age
Driver Age Premium
16 $4,152
20 $2,370
30 $1,066
40 $1,044
50 $956
60 $936

Full coverage, $500 deductibles

Rates by Deductible

GMC Yukon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,222
$250 $1,142
$500 $1,044
$1,000 $950

Full coverage, driver age 40

Rates by Liability Limit

GMC Yukon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,044
50/100 $1,325
100/300 $1,458
250/500 $1,805
100 CSL $1,378
300 CSL $1,672
500 CSL $1,886

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Yukon Insurance Rates for High Risk Drivers
Age Premium
16 $5,852
20 $3,778
30 $2,260
40 $2,238
50 $2,140
60 $2,116

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 $138

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $53
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $63
5-yr Claim Free $65
Paid in Full/EFT $38
Advance Quote $46
Online Quote $71
Total Discounts $410
Rate after discounts $634

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

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