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2008 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: Jun 12, 2015

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Average insurance rates for a 2008 GMC Yukon XL are $1,100 a year with full coverage. Comprehensive costs approximately $206 a year, collision insurance costs $258, and liability coverage costs around $478. Buying a liability-only policy costs as low as $526 a year, and high-risk insurance costs around $2,356. Teenage drivers receive the highest rates at up to $4,324 a year.

Annual premium for full coverage: $1,100

Rate estimates for 2008 GMC Yukon XL Insurance

Comprehensive $206
Collision $258
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 middle-aged driver, prices range range from as low as $526 for a discount liability-only rate to a high of $2,356 for a high risk driver.

Liability Only $526
Full Coverage $1,100
High Risk $2,356

View Chart as Image

2008 GMC Yukon XL insurance rates compared
Column chart showing 2008 GMC Yukon XL insurance prices range from $664 to $4,324 for full coverage

These differences demonstrate why it is important for drivers to compare prices using their 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 2008 GMC Yukon XL Insurance

Searching Companies

Searching for better insurance coverage rates for your GMC Yukon XL? Purchasing low-cost insurance coverage on the internet may be impossible for beginners to buying insurance on the web. With such a large number of choices, how can consumers even start to compare the different rates to find the cheapest available price?

It’s smart to price shop coverage yearly since rates are usually higher with each renewal. If you had the best deal for Yukon XL coverage a year ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to the tricks you need to know to get good coverage at a lower rate.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Locating affordable coverage can be fairly easy. But car owners need to learn how companies market insurance on the web and use this information to your advantage.

How to Compare Auto Insurance Quotes

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to an insurance system that enables customers to submit one quote, and each company then gives them pricing based on the submitted data. This system prevents you from having to do quotation requests to every company.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to getting quotes like this is you don’t know exactly the companies you will receive quotes from. If you prefer to choose individual companies to compare rates, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but compare apples-to-apples quote information with each company. If you use differing limits you can’t possibly determine the lowest rate for your GMC Yukon XL. Having just a slight variation in coverage limits may result in a large different in cost. Just remember that more quotes helps locate the best offered rates.

Situations that might require an agent

When buying adequate coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you could use an agent’s help.

  • Do I benefit by insuring my home with the same company?
  • What is roadside assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • Can I still get insurance after a DUI?
  • Should I carry comprehensive and collision coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Is a fancy paint job covered?
  • Is my camper covered by my car insurance policy?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, hail damage, a tree branch falling on your vehicle, theft and vandalism. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for hospital visits, dental work and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance will cover damage or injury you incur to a person or their property. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like repair costs for stationary objects, medical services and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Rates by U.S. City

2008 GMC Yukon XL Insurance Rates by City
City Premium
New York City, NY $1,734
Los Angeles, CA $1,878
Philadelphia, PA $1,470
Jacksonville, FL $1,594
Phoenix, AZ $1,277
Chicago, IL $1,472
Houston, TX $1,724
Seattle, WA $1,068
Columbus, OH $920
Indianapolis, IN $933

Need a specific model?

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Rates by Driver Age

2008 GMC Yukon XL Insurance Rates by Driver Age
Driver Age Premium
16 $4,324
20 $2,494
30 $1,124
40 $1,100
50 $1,008
60 $984

Full coverage, $500 deductibles

Rates by Deductible

2008 GMC Yukon XL Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,298
$250 $1,208
$500 $1,100
$1,000 $992

Full coverage, driver age 40

Rates by Liability Limit

GMC Yukon XL Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,100
50/100 $1,196
100/300 $1,315
250/500 $1,626
100 CSL $1,243
300 CSL $1,506
500 CSL $1,698

Full coverage, driver age 40

Rates for High Risk Drivers

2008 GMC Yukon XL Insurance Rates for High Risk Drivers
Age Premium
16 $6,106
20 $3,976
30 $2,382
40 $2,356
50 $2,252
60 $2,228

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $58
Homeowner $19
5-yr Accident Free $68
5-yr Claim Free $69
Paid in Full/EFT $41
Advance Quote $49
Online Quote $75
Total Discounts $436
Rate after discounts $664

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

Find companies with the cheapest rates in your area

2008 GMC Yukon XL Insurance Rates by State
State Premium
Alabama $994
Alaska $844
Arizona $912
Arkansas $1,100
California $1,252
Colorado $1,050
Connecticut $1,128
Delaware $1,244
Florida $1,374
Georgia $1,014
Hawaii $788
Idaho $744
Illinois $818
Indiana $826
Iowa $740
Kansas $1,044
Kentucky $1,500
Louisiana $1,626
Maine $676
Maryland $906
Massachusetts $880
Michigan $1,910
Minnesota $920
Mississippi $1,316
Missouri $974
Montana $1,180
Nebraska $866
Nevada $1,316
New Hampshire $792
New Jersey $1,230
New Mexico $972
New York $1,156
North Carolina $632
North Dakota $898
Ohio $760
Oklahoma $1,128
Oregon $1,006
Pennsylvania $1,050
Rhode Island $1,466
South Carolina $996
South Dakota $928
Tennessee $964
Texas $1,326
Utah $814
Vermont $752
Virginia $658
Washington $848
West Virginia $1,006
Wisconsin $760
Wyoming $980

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