2012 GMC Yukon XL Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2012 GMC Yukon XL are $1,184 a year including full coverage. Comprehensive insurance costs approximately $234, collision insurance costs $328, and liability insurance costs around $464. Buying a liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,544 or more. Teen drivers receive the highest rates at up to $4,576 a year.
Annual premium for full coverage: $1,184
Rate estimates for 2012 GMC Yukon XL Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 driver in their 40's, prices range range from as low as $514 for the bare minimum liability coverage to a much higher rate of $2,544 for a driver who has had serious violations or accidents.
These differences highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on 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 2012 GMC Yukon XL Insurance
Trying to find better insurance rates for your GMC Yukon XL? Scraping up a payment for overpriced GMC Yukon XL insurance can dwindle your bank account and make it impossible to make ends meet. Shopping your coverage around is a great way to reduce premiums and put more money in your pocket.
Having so many insurance companies to choose from, it can be hard to find the most cost effective provider.
You should take the time to do rate comparisons quite often because rates are rarely the same from one policy term to another. Even if you think you had the lowest price on Yukon XL insurance on your last policy other companies may now be cheaper. You can find a lot of wrong information about insurance online, so with this article, you’re going to get some guaranteed methods to buy insurance cheaper.
Finding affordable coverage is not that difficult. If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Nevertheless, consumers should learn how the larger insurance companies sell online and take advantage of how the system works.
Don’t miss out on these money-saving discounts
Companies that sell car insurance do not advertise every discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find discounts you could be receiving.
- Save with a New Car – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
- Organization Discounts – Belonging to a civic or occupational organization may earn a discount on your policy on Yukon XL insurance.
- Auto/Home Discount – When you combine your home and auto insurance with one company you will save at least 10% off all policies.
- Senior Citizens – Older drivers may receive reduced rates on Yukon XL insurance.
- No Claims – Drivers with accident-free driving histories pay less as compared to accident-prone drivers.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
- Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Consumers should know that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.
Companies that may offer these benefits are:
Check with each insurance company which discounts they offer. Savings might not be offered in your area.
Insurance Prices Online
To find the best insurance prices, there are several ways to compare quotes from insurance companies in your area. The simplest method to find competitive 2012 GMC Yukon XL insurance rates consists of obtaining rate quotes online. This is very easy and can be done in just a few minutes using one of these methods.
- Probably the best way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions to each individual insurance company. Filling out one form will get you price quotes direct from many companies.
- A slightly less efficient method to shop for insurance online is going to each company’s website and complete a new quote form. For instance, we’ll pretend you want rates from State Farm, 21st Century and GMAC. To get each rate you have to visit each site and enter your information, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
Whichever way you use, be sure to compare exactly the same information for each price quote. If you are comparing mixed coverages it will be very difficult to make a fair comparison for your GMC Yukon XL. Having just a slight variation in coverages could mean much higher rates. And when price shopping your coverage, comparing more company’s prices helps you find the best price.
Do I need special coverages?
When buying adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions might point out if your situation would benefit from professional advice.
- Should I carry comprehensive and collision coverage?
- Is my camper covered by my car insurance policy?
- What if I owe more than I can insure my car for?
- Why am I be forced to buy a membership to get insurance from some companies?
- Is my dog or cat covered if injured in an accident?
- Are my tools covered if they get stolen from my vehicle?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Insurance coverage basics
Having a good grasp of insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.
Auto liability insurance
Liability coverage can cover damage that occurs to other people or property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things like medical services, repair bills for other people’s vehicles, structural damage, legal defense fees and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
Uninsured/Underinsured Motorist coverage
This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Yukon XL.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like rolling your car, hitting a mailbox, scraping a guard rail, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as hail damage, vandalism and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP pay for immediate expenses for things like doctor visits, dental work, prosthetic devices, chiropractic care and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Be Smart and Buy Smart
As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In too many instances, someone dropped collision coverage and learned later they didn’t purchase enough coverage. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.
Low-cost 2012 GMC Yukon XL insurance is possible from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
To read more, feel free to visit these articles:
Rates by U.S. City
|New York City, NY||$1,869|
|Los Angeles, CA||$2,025|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$78|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.