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2004 GMC Yukon XL 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 2004 GMC Yukon XL are $978 a year including full coverage. Comprehensive insurance costs approximately $172 each year, collision costs $188, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,088 or more. Teen drivers receive the highest rates at $3,918 a year or more.

Annual premium for full coverage: $978

Rate estimates for 2004 GMC Yukon XL Insurance

Comprehensive $172
Collision $188
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 GMC Yukon XL 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 a 40-year-old driver, prices range go from as low as $510 for a discount liability-only rate to a high rate of $2,088 for high-risk insurance.

Liability Only $510
Full Coverage $978
High Risk $2,088

View Chart as Image

2004 GMC Yukon XL insurance rates compared
Column chart showing 2004 GMC Yukon XL insurance prices range from $602 to $3,918 for full coverage

These differences highlight why all drivers should compare prices using their specific location and risk profile, instead of using price averages.

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 2004 GMC Yukon XL Insurance

Searching Companies

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 is always a good idea to price shop coverage before your policy renews because rates go up and down regularly. Even if you think you had the best rates on Yukon XL coverage a few years ago you will most likely find a better rate today. Starting right now, ignore everything you know about car insurance because I’m going to teach you the best way to remove unneeded coverages and save money.

Finding cheaper coverage is simple if you know the tricks. If you are insured now or need a new policy, you can use this information to get lower rates and still get good coverage. Vehicle owners just need to learn the best way to get comparison rates on the web.

Compare the Market for Insurance Coverage

All major insurance coverage companies provide pricing directly from their websites. Getting online rates is pretty painless as you simply type in your required coverages into the quote form. Once you submit the form, the system automatically orders your driving and credit reports and returns pricing information based on these factors.

This makes it a lot easier to compare rates but having to visit multiple sites and fill out multiple forms is monotonous and tiresome. But it’s very important to get many rate quotes if you are searching for a better rate.

The better way to compare rates

The quickest way to lower your insurance coverage bill requires only one form that gets prices from many companies. It saves time, eliminates form submissions, and makes price shopping online much more enjoyable and efficient. As soon as you send your information, it is rated with multiple companies and you can pick any one of the quote results.

If a lower price is quoted, you can click and sign and purchase the new policy. It takes 15 minutes at the most and may save quite a bit of money.

To quickly compare rates using this form now, click here and fill out the form. If you have coverage now, it’s recommended you copy your coverages identical to your current policy. This guarantees you’re receiving a price comparison based on identical coverages.

Discounts can save BIG

Car insurance is not cheap, but you can get discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be specifically requested before being credited. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Low Mileage – Keeping the miles down on your GMC can earn lower rates on the low mileage vehicles.
  • Air Bag Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Club Memberships – Being a member of a qualifying organization could qualify you for a break on auto insurance on Yukon XL coverage.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Good Student – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Multiple Cars – Having all your vehicles on the same auto insurance policy could earn a price break for each car.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

To see a list of companies with discount auto insurance rates, click here.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your situation would benefit from an agent’s advice.

  • Is my GMC Yukon XL covered if I use it for business?
  • Do I need replacement cost coverage?
  • If my pet gets injured in an accident are they covered?
  • When would I need rental car insurance?
  • Can I afford to buy a different vehicle if my 2004 GMC Yukon XL is totaled?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

Collision insurance pays for damage to your Yukon XL resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, sustaining damage from a pot hole, colliding with a tree, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as nursing services, hospital visits and EMT expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This protects you from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects, pain and suffering and court costs. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your GMC Yukon XL.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

One last thing

Drivers leave their current company for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, poor customer service and not issuing a premium refund. Regardless of your reason, choosing a new company is not as difficult as it may seem.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There have been many cases where someone dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

We covered a lot of ways to shop for 2004 GMC Yukon XL insurance online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with an unexpected company.

Even more information can be read by following these links:

Rates by U.S. City

2004 GMC Yukon XL Insurance Rates by City
City Premium
New York City, NY $1,545
Los Angeles, CA $1,671
Philadelphia, PA $1,305
Jacksonville, FL $1,418
Phoenix, AZ $1,137
Chicago, IL $1,310
Houston, TX $1,531
Seattle, WA $953
Columbus, OH $818
Indianapolis, IN $832

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 GMC Yukon XL Insurance Rates by Driver Age
Driver Age Premium
16 $3,918
20 $2,216
30 $992
40 $978
50 $898
60 $878

Full coverage, $500 deductibles

Rates by Deductible

2004 GMC Yukon XL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,130
$250 $1,060
$500 $978
$1,000 $894

Full coverage, driver age 40

Rates by Liability Limit

GMC Yukon XL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $978
50/100 $1,070
100/300 $1,185
250/500 $1,484
100 CSL $1,116
300 CSL $1,369
500 CSL $1,553

Full coverage, driver age 40

Rates for High Risk Drivers

2004 GMC Yukon XL Insurance Rates for High Risk Drivers
Age Premium
16 $5,508
20 $3,522
30 $2,104
40 $2,088
50 $1,996
60 $1,976

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 $127

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $34
Advance Quote $41
Online Quote $66
Total Discounts $376
Rate after discounts $602

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

Find companies with the cheapest rates in your area

2004 GMC Yukon XL Insurance Rates by State
State Premium
Alabama $884
Alaska $750
Arizona $812
Arkansas $978
California $1,114
Colorado $936
Connecticut $1,004
Delaware $1,106
Florida $1,222
Georgia $902
Hawaii $702
Idaho $662
Illinois $728
Indiana $736
Iowa $658
Kansas $928
Kentucky $1,334
Louisiana $1,446
Maine $604
Maryland $806
Massachusetts $784
Michigan $1,698
Minnesota $820
Mississippi $1,170
Missouri $866
Montana $1,050
Nebraska $772
Nevada $1,172
New Hampshire $706
New Jersey $1,094
New Mexico $866
New York $1,030
North Carolina $562
North Dakota $800
Ohio $676
Oklahoma $1,004
Oregon $896
Pennsylvania $932
Rhode Island $1,304
South Carolina $886
South Dakota $824
Tennessee $856
Texas $1,178
Utah $722
Vermont $670
Virginia $584
Washington $756
West Virginia $896
Wisconsin $676
Wyoming $872

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