GMC Yukon XL Insurance Rates

The average insurance rates for a GMC Yukon XL are $1,210 a year for full coverage insurance. Comprehensive insurance costs on average $242, collision insurance costs $350, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,600 or more. Teenage drivers cost the most to insure at up to $4,654 a year.

Average premium for full coverage: $1,210

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Yukon XL models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below illustrates average GMC Yukon XL insurance rates for different risk profiles and scenarios.

• The best discount rate is $717
• Using higher $1,000 deductibles will save around $136 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,210
• Using pricier low deductibles for physical damage coverage will cost an extra $256 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,600
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $4,654 or more

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,600 a year. View Rates by Age

Your home state has a huge impact on GMC Yukon XL insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,630 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $400 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. GMC Yukon XL insurance for high-risk drivers can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

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 insurance for a GMC Yukon XL requires avoiding accidents and violations, maintaining good credit, being claim-free, and determing if full coverage is necessary. Set aside time to compare rates every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a recap of the material that was covered above.

• Insureds who require higher liability limits will pay an extra $510 annually to increase from a 30/60 limit to 250/500 limits
• Teenagers pay the highest rates, possibly costing $388 each month for full coverage
• Drivers considered higher risk that have major violations or accidents pay an average of $1,390 more each year for car insurance
• Increasing comprehensive and collision deductibles can save around $400 each year