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1997 GMC Yukon Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 1997 GMC Yukon are $924 a year with full coverage. Comprehensive costs on average $154 each year, collision insurance costs $170, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,976. Teenage drivers receive the highest rates at up to $3,744 a year.

Annual premium for full coverage: $924

Rate estimates for 1997 GMC Yukon Insurance

Comprehensive $154
Collision $170
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1997 GMC Yukon models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for just liability insurance to a high rate of $1,976 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $924
High Risk $1,976

View Chart as Image

1997 GMC Yukon insurance rates compared
Column chart showing 1997 GMC Yukon insurance prices range from $571 to $3,744 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 1997 GMC Yukon Insurance

Searching Companies

Comparison shopping for insurance can be hard for beginners to shopping for insurance online. Drivers have so many choices that it can turn into a lot of work to find lower rates.

Parts of the GMC Yukon rate equation

Smart consumers have a good feel for the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with better car insurance rates.

  • Your age impacts your rates – Teenage drivers are statistically proven to be less responsible behind the wheel so they pay higher car insurance rates. Adding a teenage driver onto a policy can be very expensive. Older drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Liability coverage protects you – Liability insurance is the protection when a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Your location is important – Being located in less populated areas has it’s advantages when it comes to car insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have to deal with congested traffic and longer commute times. More time on the road means higher likelihood of an accident.
  • Adjust deductibles and save – Physical damage deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Yukon coverage.
  • More than one policy can earn a discount – Some insurance companies provide better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, it’s still a good idea to compare rates to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Add-on coverages can add up – There are a lot of add-on coverages that can waste your money if you aren’t careful. Insurance for personal injury protection, accident forgiveness and membership fees may be wasting your money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Pay less if you’re married – Getting married actually saves money on car insurance. Marriage is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.

Low Cost Auto Insurance

Shopping for lower auto insurance rates can be a lot of work if you aren’t aware of the most efficient way. You can waste a lot of time talking to agents in your area, or you can stay home and use online quoting for quick rates.

Many popular insurance companies belong to a marketplace where prospective buyers enter their policy data once, and at least one company can give them a price based on the submitted data. This eliminates the need for quotation requests for each company. To find out how much you’re overpaying now click here (opens in new window).

The only downside to comparing rates this way is you are unable to specify the insurers to receive prices from. If you would rather choose from a list of companies to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare exactly the same information for every company. If the quotes have different limits and deductibles on each one you can’t possibly determine the lowest rate for your GMC Yukon. Just a small difference in coverage limits may cause a big price difference. It’s important to know that comparing a large number of companies will enable you to find better pricing.

Misconceptions in insurance advertisements

Insurance companies such as State Farm and Allstate continually stream ads in print and on television. They all seem to have a common claim that you’ll save big after switching your coverage to them. But how can every company say the same thing?

All companies have a certain “appetite” for the type of driver that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, has no tickets, and has a short commute. A driver who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Potential customers who are not a match for this ideal profile will have to pay more money and ends up with business going elsewhere. The ad wording is “customers that switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently advertise the savings. Because of the profiling, it is so important to compare many company’s rates. It’s impossible to know which company will give you the biggest savings on GMC Yukon insurance.

Save with discounts on 1997 GMC Yukon insurance

Companies that sell car insurance don’t necessarily list all available discounts very clearly, so we took the time to find both well-publicized as well as the least known discounts you could be receiving.

  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Yukon coverage with select insurance companies.
  • No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up if you are claim-free for a set time period.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Memberships – Being a member of certain professional organizations is a good way to get lower rates on your policy for Yukon coverage.

It’s important to note that many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance companies that may offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. All car insurance discounts may not be available in your state.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine if your situation might need professional guidance.

  • Am I covered if I hit my neighbor’s mailbox?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How do I buy GAP insurance?
  • Do I need added coverage for expensive stereo equipment?
  • What exactly is covered by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I drop full coverage on my 1997 GMC Yukon?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance policy coverages for a 1997 GMC Yukon

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your GMC Yukon.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, X-ray expenses and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability insurance provides protection from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like repair costs for stationary objects, loss of income, attorney fees and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

More effort can pay off

We covered some good ideas how you can shop for 1997 GMC Yukon insurance online. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even find the best price on insurance is with a smaller regional carrier.

Cheap insurance can be bought from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Consumers switch companies for any number of reasons including denial of a claim, lack of trust in their agent, extreme rates for teen drivers and high rates after DUI convictions. Regardless of your reason for switching companies, finding a new insurance company can be easy and end up saving you some money.

Much more information about insurance is located on the following sites:

Rates by U.S. City

1997 GMC Yukon Insurance Rates by City
City Premium
New York City, NY $1,464
Los Angeles, CA $1,581
Philadelphia, PA $1,238
Jacksonville, FL $1,343
Phoenix, AZ $1,078
Chicago, IL $1,242
Houston, TX $1,451
Seattle, WA $905
Columbus, OH $774
Indianapolis, IN $786

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1997 GMC Yukon Insurance Rates by Driver Age
Driver Age Premium
16 $3,744
20 $2,102
30 $940
40 $924
50 $850
60 $832

Full coverage, $500 deductibles

Rates by Deductible

1997 GMC Yukon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,064
$250 $1,002
$500 $924
$1,000 $850

Full coverage, driver age 40

Rates by Liability Limit

GMC Yukon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $924
50/100 $1,012
100/300 $1,123
250/500 $1,410
100 CSL $1,057
300 CSL $1,300
500 CSL $1,477

Full coverage, driver age 40

Rates for High Risk Drivers

1997 GMC Yukon Insurance Rates for High Risk Drivers
Age Premium
16 $5,254
20 $3,342
30 $1,990
40 $1,976
50 $1,890
60 $1,870

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 $120

Potential Rate Discounts

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

Discount Savings
Multi-policy $46
Multi-vehicle $49
Homeowner $17
5-yr Accident Free $53
5-yr Claim Free $57
Paid in Full/EFT $31
Advance Quote $39
Online Quote $61
Total Discounts $353
Rate after discounts $571

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

Find companies with the cheapest rates in your area

1997 GMC Yukon Insurance Rates by State
State Premium
Alabama $838
Alaska $710
Arizona $770
Arkansas $924
California $1,054
Colorado $884
Connecticut $952
Delaware $1,046
Florida $1,158
Georgia $854
Hawaii $666
Idaho $626
Illinois $690
Indiana $696
Iowa $624
Kansas $880
Kentucky $1,262
Louisiana $1,370
Maine $572
Maryland $764
Massachusetts $742
Michigan $1,608
Minnesota $774
Mississippi $1,110
Missouri $822
Montana $996
Nebraska $730
Nevada $1,110
New Hampshire $666
New Jersey $1,034
New Mexico $818
New York $976
North Carolina $534
North Dakota $758
Ohio $640
Oklahoma $950
Oregon $848
Pennsylvania $884
Rhode Island $1,236
South Carolina $838
South Dakota $782
Tennessee $814
Texas $1,116
Utah $686
Vermont $634
Virginia $554
Washington $718
West Virginia $848
Wisconsin $642
Wyoming $826

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