GMC Yukon XL Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A GMC Yukon XL is more affordable to insure than the average SUV.
• Liability insurance for a Yukon XL tends to be about $78 monthly, while full coverage normally averages around $135 per month.
• Commonwealth Casualty offers the most affordable average rates for a Yukon XL with liability only coverage offered for as low as just $31 a month.

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Yukon XL Overview

With a base price of $53,400 for 2021 models, the GMC Yukon XL is on the more expensive end of the spectrum. There are nine different trim levels currently available, so every driver can find an option to match their style.

We sifted through thousands of car insurance quotes on Compare.com, and we've determined that, on average, GMC Yukon XL auto insurance rates run about $133 monthly. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a GMC Yukon XL?

You'll see in the table above that compared to other vehicles, GMC Yukon XL insurance premiums are cheaper than average. Yukon XL drivers generally pay around $78 per month for liability insurance, and about $135 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference between these types of insurance).

Comparing it to other models, the Yukon XL is on par with the other vehicles in GMC's lineup. However, coverage for the Yukon XL is below average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive prices than other SUVs.

They're also more affordable to insure than the average vehicle overall, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a GMC Yukon XL?

If you're in the market for a car insurance policy for a GMC Yukon XL, you may be most interested in which company offers the most affordable prices. Although rates can change dramatically from person to person, Mercury and and Mapfre offer the cheapest average rates for liability only coverage, with rates as cheap as $28 per month.

DirectGeneral, Commonwealth Casualty, and Shelter Mutual round out the end of the top 5 list. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your GMC Yukon XL.

Insurance companies take a wide array of things into consideration when offering you premiums. The only way to guarantee you'll find the lowest rates is to compare quotes from a variety of car insurance carriers.

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What Factors Affect Car Insurance Rates for a GMC Yukon XL?

There are quite a few attributes that insurance companies consider to determine how much they charge you for auto insurance -- and each carrier uses a different method, so there's not just one company that's the cheapest for everyone.

The following sections show multiple variables car insurance carriers use to choose rates:

Vehicle Age

GMC has been making the Yukon XL for quite some time -- and that means the car's age may make a big difference in how much you'll pay for insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go down.

Based on the information in the above table, the GMC Yukon XL follows this trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are Yukon XLs that are 1 year old or less, on average.

Your Age

Your age is another factor that makes a significant difference in how much you pay for auto insurance. In the table above, you'll see that young Yukon XL drivers pay more for insurance than drivers with more experience. In this case, drivers aged 18 to 24 pay $39 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Yukon XL.

Your Gender

Did you know women tend to pay less for car insurance than men? This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim. When it comes to Yukon XL drivers specifically, women pay around 7% less than men monthly for auto insurance.

Where You Live

You might think it's common sense that factors such as how old you are and what vehicle you drive play a role in your insurance prices, but did you know that where you live matters just as much? Car insurance is regulated at the state level, so premiums vary quite a bit from state to state.

For example, the average GMC Yukon XL driver in New York pays about $201 a month for liability coverage. Meanwhile, the same Californian owner will pay less than half of that price, on average. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

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GMC Yukon XL Car Insurance Discounts

Regardless of your car, your age, or your home state, it's always important to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Multi-car discounts for having more than one vehicle on your auto policy
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for getting both your home and auto policies from the same insurance company

But these aren't the only discounts insurance companies offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you don't have control over every variable auto insurance carriers take a look at to calculate rates (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the things you can use in your favor when it comes to saving some cash:

Your Driving Record

You've probably heard ads from car insurance companies posting big discounts for safe drivers. And you're probably not surprised to hear that your auto insurance premiums will get higher if you get into an accident or get cited for speeding. But exactly how much is it going to cost you for these infractions?

You can see from the table above that accidents will usually cost Yukon XL drivers less than tickets, but both will result in above average rates. GMC Yukon XL drivers with a single accident on their record pay about $104 every month (up $26 from the $78/mo. overall average), while drivers with one ticket will pay an average of $106 monthly. Those who have more than one of either violation will end up paying even more.

How Much You Drive

The amount of miles you drive plays a role in your insurance prices. Those who are on the roads less often are more likely to go accident-free, so they'll typically get more affordable rates. Above, you can see that GMC Yukon XL owners who drive fewer than 2,500 miles per year pay about $73 per month for car insurance, while those who put 10,000 miles or more on their cars pay $76.

If you don't use your GMC Yukon XL that often, it may be worth reviewing usage-based or pay-per-mile auto insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do GMC Yukon XLs Compare to Other Vehicles?

If you're thinking about making a GMC Yukon XL your next SUV, it can pay off to do your homework. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Take a look at the table below to see how the GMC Yukon XL stacks up:

Overall, the GMC Yukon XL has an MSRP that's on par with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $46,296, and the Yukon XL comes in close to that at $53,400.

Although the Yukon XL has a pretty average price, insurance premiums are higher when compared to the rest of the vehicle market. Liability insurance for a GMC Yukon XL is around $55 per month more than average, while full coverage is over $50 more monthly.

When it comes to usage, GMC Yukon XL drivers are pretty close to the national average in annual miles driven, with 11,268 miles each year compared to 11,617 for all vehicles.

GMC Yukon XL Car Insurance Costs by Model Year

We've walked through many of the variables that can affect how much you might pay for car insurance. If you're considering purchasing a new Yukon XL, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your choices.

Choose Your Model

2021 GMC Yukon XL Car Insurance 2020 GMC Yukon XL Car Insurance 2019 GMC Yukon XL Car Insurance 2018 GMC Yukon XL Car Insurance 2017 GMC Yukon XL Car Insurance 2016 GMC Yukon XL Car Insurance 2015 GMC Yukon XL Car Insurance 2014 GMC Yukon XL Car Insurance 2013 GMC Yukon XL Car Insurance 2012 GMC Yukon XL Car Insurance 2011 GMC Yukon XL Car Insurance 2010 GMC Yukon XL Car Insurance

2021 GMC Yukon XL Car Insurance

On average, drivers who own a 2021 GMC Yukon XL can expect to pay $136 to $406 per month for liability only and full coverage car insurance, respectively.

Jupiter has rates sometimes as cheap as $41 a month for the 2021 GMC Yukon XL.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2020 GMC Yukon XL Car Insurance

You can expect full coverage for a 2020 Yukon XL to run about $83 per month, while liability only coverage will average around $53 monthly.

With prices as cheap as just $53 a month, Esurance offered the lowest policy we found for the 2020 GMC Yukon XL.

Want to know exactly how much you'll pay? Get a variety of customized quotes for free by just entering your ZIP code below.

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2019 GMC Yukon XL Car Insurance

The average cost to insure a 2019 GMC Yukon XL with liability only coverage is $69 per month, while full coverage runs about $143 monthly.

Looking for the cheapest policy? Infinity offered liability only coverage for sometimes as low as $21 a month.

If you want to know exactly how much you can expect to pay for your Yukon XL, get free quotes in minutes by just entering your ZIP code below.

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2018 GMC Yukon XL Car Insurance

It costs around $35 monthly for liability or $167 for a full coverage policy for the 2018 Yukon XL.

With premiums as little as $26 per month, Shelter Mutual offered the most affordable policy we found.

If you're looking for a more exact figure on what you should pay for insurance for a 2018 GMC Yukon XL, you can get free quotes in minutes by just entering your ZIP code below.

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2017 GMC Yukon XL Car Insurance

2017 GMC Yukon XL drivers can expect to pay an average of $61 a month for liability or $134 for full coverage.

Safeco offered the lowest policy we found, with rates as little as just $34 monthly.

While these are good estimates of what the average driver might pay to insure a 2017 GMC Yukon XL, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2016 GMC Yukon XL Car Insurance

The average cost to insure a 2016 Yukon XL with liability only coverage is $50 a month, while full coverage runs about $137 per month.

We found Safeco offered the most affordable policy, with rates sometimes as little as $20 monthly.

Want to know exactly what your auto insurance price will be? Get several free customized quotes by just entering your ZIP code below.

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2015 GMC Yukon XL Car Insurance

It costs around $86 a month for liability or $169 for a full coverage policy for the 2015 GMC Yukon XL.

If you're looking for the cheapest possible 2015 GMC Yukon XL insurance policy, MetroMile offered the cheapest policy we found, with rates as low as $27 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2014 GMC Yukon XL Car Insurance

2014 Yukon XL drivers can expect to pay an average of $64 a month for liability or $128 for full coverage.

With prices sometimes as low as $41 monthly, Pronto offered the lowest policy we found.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of free customized quotes.

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2013 GMC Yukon XL Car Insurance

On average, drivers who own a 2013 GMC Yukon XL can expect to pay $68 to $124 per month for liability only and full coverage insurance, respectively.

We found Safeco offered the most affordable policy, with rates as little as $28 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2012 GMC Yukon XL Car Insurance

You can expect full coverage for a 2012 Yukon XL to run about $172 monthly, while liability only coverage will average around $91 per month.

If you're looking for the most affordable 2012 GMC Yukon XL insurance policy, MetLife offered the lowest policy we found, with rates sometimes as cheap as $45 a month.

What will your car insurance price be? Get multiple free personalized quotes by just entering your ZIP code below.

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2011 GMC Yukon XL Car Insurance

The average cost to insure a 2011 GMC Yukon XL with liability only coverage is $72 per month, while full coverage runs about $128 monthly.

With rates as low as just $20 a month, Safeco offered the cheapest policy we found for the 2011 GMC Yukon XL.

If you want to find the best premiums for insurance for a 2011 GMC Yukon XL, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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2010 GMC Yukon XL Car Insurance

It costs around $60 monthly for liability or $135 for a full coverage policy for the 2010 Yukon XL.

Shelter Mutual offered the most affordable policy we found, with rates as little as just $23 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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GMC Yukon XL Insurance FAQs

Is a GMC Yukon XL expensive to insure?

It costs less to insure a GMC Yukon XL when compared to the average SUV. Liability insurance runs an average of $78 monthly, while full coverage will cost you around $135.

How can I get the best price on car insurance for my GMC Yukon XL?

The only way to guarantee you're getting the lowest price on car insurance is to regularly shop around and compare quotes from an array of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a multitude of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my GMC Yukon XL affect my insurance rates?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. There are lots of factors auto insurance carriers think about when they decide your car insurance rate, but the color of your GMC Yukon XL is not on that list.

Do I need to have insurance before I buy a GMC Yukon XL?

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. Some dealerships may offer you a car insurance policy as part of the car-buying process, but your best bet is letting your auto insurance carrier know before you buy.

What car insurance discounts can I get for my GMC Yukon XL?

There are all sorts of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Yukon XL you drive, but if your Yukon XL has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The best way to find out is to get in touch with your insurance company and ask about their discounts.