GMC Yukon XL Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 29, 2024
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The average auto insurance rates for a GMC Yukon XL are $1,210 annually for full coverage insurance. Comprehensive costs on average $242, collision insurance costs $350, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $2,600. 16-year-old 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:
Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Yukon XL trim levels.
Price Range Variability
For an average driver, GMC Yukon XL insurance rates range from as cheap as $510 for just liability coverage to a much higher rate of $2,600 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities. The price range example below illustrates the effect of geographic area on car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, 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.
Detailed Rate Analysis
The chart below illustrates average GMC Yukon XL insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $717
- Raising to $1,000 deductibles will save around $136 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,210
- Buying more expensive low deductibles will cost $1,466
- Drivers with multiple tickets or accidents could pay upwards of $2,600
- Policy cost with full coverage for a 16-year-old driver with full coverage may cost $4,654
Auto insurance rates for a GMC Yukon XL also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $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 are probably paying at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $400 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 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 $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,630 on average in Michigan, New York, 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% |
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 Buy Affordable GMC Yukon XL Insurance
Finding cheaper rates on insurance for a GMC Yukon XL consists of being a good driver, having above-average credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a brief review of the material that was covered in the above illustrations.
- Insureds who require an increased level of liability coverage will pay around $510 annually to raise from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, possibly costing $388 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,390 more each year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $400 each year
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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