GMC Yukon XL Insurance Rates

The average insurance rates for a GMC Yukon XL are $1,210 a year for full coverage. Comprehensive insurance costs approximately $242 a year, collision costs $350, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing $2,600 or more. 16-year-old drivers cost the most to insure at $4,654 a year or more.

Average premium for full coverage: $1,210

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Yukon XL trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare rates quotes using their specific location and risk profile, instead of using rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows estimated GMC Yukon XL insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $717
• Raising to $1,000 deductibles will save $1,074 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,210
• Buying low $100 deductibles will cost an extra $256 every year
• At-risk drivers with multiple tickets or accidents could pay around $2,600 or more
• Policy cost for full coverage for a teen driver can cost $4,654

View Chart as Image

Insurance rates for a GMC Yukon XL also range considerably based on your risk profile, the trim level of your Yukon XL, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

Your home state also has a big influence on GMC Yukon XL insurance prices. A middle-age driver might find rates as low as $800 a year in states like Iowa, Maine, and Idaho, or at least $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $400 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2017 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.

How to Find the Cheapest GMC Yukon XL Insurance

Finding cheaper rates on car insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a recap of the material that was raised in the charts and tables above.

• Policyholders who purchase more liability coverage will pay around $510 each year to raise from a 30/60 limit to 250/500 limits
• Teen drivers are the costliest to insure, costing up to $388 each month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents may pay on average $1,390 more per year to insure their Yukon XL
• Increasing comprehensive and collision deductibles can save around $400 each year