GMC Yukon XL Insurance Rates
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Michelle Robbins
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UPDATED: Mar 29, 2024
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U.S. average insurance rates for a GMC Yukon XL are $1,210 a year with full coverage. Comprehensive costs an estimated $242 each year, collision costs $350, and liability is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing around $2,600. 16-year-old drivers pay the highest rates at $4,654 a year or more.
Average premium for full coverage: $1,210
Price estimates broken down by individual coverage:
Includes $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Yukon XL models.
Price Range from Low to High
Using a 40-year-old driver as an example, GMC Yukon XL insurance prices go from the low end price of $510 for just liability insurance to a high rate of $2,600 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than congested cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why all drivers should get quotes for a targeted area, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details estimated GMC Yukon XL insurance rates for other coverage scenarios.
- The best full coverage rate is $717
- Choosing higher $1,000 deductibles can save approximately $136 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,210
- Buying low deductibles for comp and collision coverage bumps up the cost to $1,466
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,600 or more
- The price that insures a 16-year-old driver can cost as much as $4,654 each year
Insurance prices for a GMC Yukon XL are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age
The state you live in plays a big part in determining prices for GMC Yukon XL insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Utah, Ohio, and New Hampshire, or at least $1,630 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$116 | -9.6% |
| Alaska | $928 | -$282 | -23.3% |
| Arizona | $1,004 | -$206 | -17.0% |
| Arkansas | $1,210 | -$0 | 0.0% |
| California | $1,378 | $168 | 13.9% |
| Colorado | $1,156 | -$54 | -4.5% |
| Connecticut | $1,242 | $32 | 2.6% |
| Delaware | $1,368 | $158 | 13.1% |
| Florida | $1,512 | $302 | 25.0% |
| Georgia | $1,116 | -$94 | -7.8% |
| Hawaii | $868 | -$342 | -28.3% |
| Idaho | $818 | -$392 | -32.4% |
| Illinois | $900 | -$310 | -25.6% |
| Indiana | $910 | -$300 | -24.8% |
| Iowa | $816 | -$394 | -32.6% |
| Kansas | $1,150 | -$60 | -5.0% |
| Kentucky | $1,650 | $440 | 36.4% |
| Louisiana | $1,788 | $578 | 47.8% |
| Maine | $748 | -$462 | -38.2% |
| Maryland | $998 | -$212 | -17.5% |
| Massachusetts | $968 | -$242 | -20.0% |
| Michigan | $2,100 | $890 | 73.6% |
| Minnesota | $1,012 | -$198 | -16.4% |
| Mississippi | $1,448 | $238 | 19.7% |
| Missouri | $1,072 | -$138 | -11.4% |
| Montana | $1,300 | $90 | 7.4% |
| Nebraska | $954 | -$256 | -21.2% |
| Nevada | $1,450 | $240 | 19.8% |
| New Hampshire | $872 | -$338 | -27.9% |
| New Jersey | $1,352 | $142 | 11.7% |
| New Mexico | $1,072 | -$138 | -11.4% |
| New York | $1,274 | $64 | 5.3% |
| North Carolina | $696 | -$514 | -42.5% |
| North Dakota | $990 | -$220 | -18.2% |
| Ohio | $834 | -$376 | -31.1% |
| Oklahoma | $1,242 | $32 | 2.6% |
| Oregon | $1,108 | -$102 | -8.4% |
| Pennsylvania | $1,152 | -$58 | -4.8% |
| Rhode Island | $1,614 | $404 | 33.4% |
| South Carolina | $1,094 | -$116 | -9.6% |
| South Dakota | $1,020 | -$190 | -15.7% |
| Tennessee | $1,060 | -$150 | -12.4% |
| Texas | $1,458 | $248 | 20.5% |
| Utah | $894 | -$316 | -26.1% |
| Vermont | $828 | -$382 | -31.6% |
| Virginia | $724 | -$486 | -40.2% |
| Washington | $936 | -$274 | -22.6% |
| West Virginia | $1,108 | -$102 | -8.4% |
| Wisconsin | $838 | -$372 | -30.7% |
| Wyoming | $1,078 | -$132 | -10.9% |
Opting for high physical damage deductibles can save as much as $400 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Yukon XL 2WD | $1,180 | $98 |
| GMC Yukon XL SLE 2WD | $1,180 | $98 |
| GMC Yukon XL 2500 2WD | $1,180 | $98 |
| GMC Yukon XL SLE 2500 2WD | $1,180 | $98 |
| GMC Yukon XL 4WD | $1,180 | $98 |
| GMC Yukon XL SLE 4WD | $1,180 | $98 |
| GMC Yukon XL SLT 2WD | $1,210 | $101 |
| GMC Yukon XL SLT 2500 2WD | $1,210 | $101 |
| GMC Yukon XL SLT 4WD | $1,210 | $101 |
| GMC Yukon XL 2500 4WD | $1,210 | $101 |
| GMC Yukon XL SLE 2500 4WD | $1,210 | $101 |
| GMC Yukon XL SLT 2500 4WD | $1,236 | $103 |
| GMC Yukon XL Denali 2WD | $1,266 | $106 |
| GMC Yukon XL Denali 4WD | $1,266 | $106 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Yukon XL | $332 | $536 | $398 | $1,424 |
| 2023 GMC Yukon XL | $320 | $524 | $416 | $1,418 |
| 2022 GMC Yukon XL | $310 | $502 | $430 | $1,400 |
| 2021 GMC Yukon XL | $292 | $484 | $442 | $1,376 |
| 2020 GMC Yukon XL | $282 | $450 | $452 | $1,342 |
| 2019 GMC Yukon XL | $270 | $424 | $456 | $1,308 |
| 2017 GMC Yukon XL | $242 | $350 | $460 | $1,210 |
| 2016 GMC Yukon XL | $234 | $328 | $464 | $1,184 |
Rates are averaged for all GMC Yukon XL models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest GMC Yukon XL Insurance
Getting lower rates on insurance for a GMC Yukon XL takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop every year by getting quotes from direct companies, and also from insurance agencies where you live.
The next list is a recap of the coverage data raised in the charts and tables above.
- You may be able to save approximately $140 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $400 each year
- Drivers age 20 and younger are expensive to insure, costing up to $388 a month if comprehensive and collision insurance is included
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,390 more annually to buy GMC Yukon XL insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,654 |
| 20 | $2,758 |
| 30 | $1,246 |
| 40 | $1,210 |
| 50 | $1,106 |
| 60 | $1,082 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,466 |
| $250 | $1,348 |
| $500 | $1,210 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,210 |
| 50/100 | $1,358 |
| 100/300 | $1,473 |
| 250/500 | $1,772 |
| 100 CSL | $1,404 |
| 300 CSL | $1,657 |
| 500 CSL | $1,841 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,598 |
| 20 | $4,392 |
| 30 | $2,642 |
| 40 | $2,600 |
| 50 | $2,484 |
| 60 | $2,460 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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