GMC Yukon XL Insurance Rates
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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. Comprehensive insurance costs around $242 each year, collision costs $350, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,600 or more. 16-year-old drivers cost the most to insure at $4,654 a year or more.
Average premium for full coverage: $1,210
Policy rates for type of insurance:
Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Yukon XL models.
Price Range Variability
For a 40-year-old driver, GMC Yukon XL insurance rates go from as cheap as $510 for liability-only coverage to a high rate of $2,600 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
The examples above show why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than using 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.
Additional Charts and Tables
The chart below shows estimated GMC Yukon XL insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $717
- Choosing higher $1,000 deductibles can save about $136 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,210
- Buying low deductibles for comp and collision coverage costs an additional $256 each year
- Drivers with multiple tickets or accidents could pay at least $2,600 or more
- Policy cost with full coverage for a teenage driver can be $4,654 each year
Insurance rates for a GMC Yukon XL also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $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 could be paying at least $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $400 a year, whereas increasing liability limits will increase rates. Going 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 rates. A good driver about age 40 could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or at least $1,730 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.
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 More Affordable GMC Yukon XL Insurance
Finding cheaper rates on auto insurance takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to shop around every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a summary of the ideas that were illustrated above.
- Teenage drivers are charged the highest rates, costing up to $388 each month if they have full coverage
- Drivers who have multiple accidents or major violations pay an average of $1,390 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Drivers can save up to $140 per year simply by quoting online in advance
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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