GMC Yukon XL Insurance Rates

The average auto insurance rates for a GMC Yukon XL are $1,256 annually for full coverage insurance. Comprehensive costs around $258, collision insurance costs $380, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,702. Teenage drivers cost the most to insure at up to $4,800 a year.

Average premium for full coverage: $1,256

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Yukon XL trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates average GMC Yukon XL insurance rates for additional coverage choices and driver risks.

• The best discount rate is $740
• Choosing higher $1,000 deductibles can save about $146 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,256
• Using more expensive low deductibles for comp and collision coverage will cost $1,534
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,702
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,800 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for GMC Yukon XL insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,700 on average in Michigan, New York, and Florida.

View Chart as Image

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 Affordable GMC Yukon XL Insurance

Finding cheaper rates on insurance for a GMC Yukon XL takes having a decent driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,450 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $400 each month if they have full coverage
• It is possible to save up to $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $425 each year
• It is possible to save up to $150 per year just by shopping early and online