GMC Yukon XL Insurance Rates

The average auto insurance rates for a GMC Yukon XL are $1,210 annually for full coverage. Comprehensive insurance costs an estimated $242 a year, collision costs $350, and liability is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,600 or more. Teens cost the most to insure at $4,654 a year or more.

Average premium for full coverage: $1,210

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, 30/60 bodily injury 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 insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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 other coverage scenarios.

• The cheapest rate after discounts is $717
• Raising to $1,000 deductibles will save approximately $1,074 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,210
• Selecting low $100 deductibles costs an additional $256 every year
• At-risk drivers with serious driving violations could pay up to $2,600 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,654

View Chart as Image

Insurance rates for a GMC Yukon XL also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $2,000 extra 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 policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $400 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

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 have to pay at least $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates will be varied between companies.

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 Buy More Affordable GMC Yukon XL Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every other renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a summary of the concepts that were touched on in this article.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,390 more annually for Yukon XL insurance
• Teens are charged the highest rates, costing up to $388 each month including comprehensive and collision insurance
• Drivers can save approximately $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers can save approximately $140 per year simply by quoting early and online