GMC Yukon XL Insurance Rates

The average insurance rates for a GMC Yukon XL are $1,256 a year with full coverage. Comprehensive insurance costs on average $258 each year, collision costs $380, and liability insurance costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing $2,702 or more. Teen drivers cost the most to insure at $4,800 a year or more.

Average premium for full coverage: $1,256

Policy rates by type of insurance:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Yukon XL models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why all drivers should compare rates based on a specific location, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below details estimated GMC Yukon XL insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $740
• Drivers who choose higher $1,000 deductibles will pay around $146 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,256
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $278 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,702 or more
• Policy cost that insures a teen driver may cost $4,800 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 133% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state makes a big difference in GMC Yukon XL insurance rates. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,700 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $430 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied.

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 Low Cost GMC Yukon XL Insurance

Finding cheaper rates on GMC Yukon XL insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Shop around once a year by getting rate quotes from direct companies, and also from several local insurance agents.

The following list is a review of the data that was presented in the illustrations above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Drivers who require an increased level of liability coverage will pay about $510 every year to go from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 pay the highest rates, as much as $400 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations pay on average $1,450 more each year than a safer driver