GMC Yukon XL Insurance Cost

Full coverage for a GMC Yukon XL costs about $1,560 a year ($130/month) by our estimate — ▼ −2% versus the average vehicle, ranking 123rd cheapest of 310 current models.

GMC Yukon XL exterior (photo from Wikimedia Commons) — Photo: 2007DodgeRam, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

GMC Yukon XL insurance cost at a glance

Full coverage

$1,560

$130/mo · $1,280–$1,840

Minimum liability

$600

$50/mo

Segment

Large SUV

Gasoline, Diesel, Flex-fuel

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the GMC Yukon XL.

Estimated GMC Yukon XL premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$600	$50	$495–$710
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$870	$73	$715–$1,030
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,560	$130	$1,280–$1,840

What drives the cost of insuring a GMC Yukon XL

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The GMC Yukon XL's results put our vehicle factor at 0.98× for liability, 0.96× for collision and 1.04× for comprehensive.

HLDI relative insurance losses — GMC Yukon XL 1500 4dr 4WD (Very large SUVs)
Coverage	Index	Rating	What it measures
Collision	93	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	102	Average	Theft, vandalism, glass, weather and animal damage
Property damage liability	113	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	84	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	66	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	61	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
GMC Yukon XL 1500 4dr 4WD	93	102	113	84
GMC Yukon XL 1500 4dr	92	106	119	—

Repair and parts costs: Large SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 60 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

GMC Yukon XL trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Yukon XL 2WD	RWD	3.0L 6-cyl Turbo Diesel	23
Yukon XL 2WD	RWD	5.3L 8-cyl	17
Yukon XL 2WD	RWD	6.2L 8-cyl	16
Yukon XL 4WD	4WD	3.0L 6-cyl Turbo Diesel	22
Yukon XL 4WD	4WD	5.3L 8-cyl	16
Yukon XL 4WD	4WD	6.2L 8-cyl	16

GMC Yukon XL insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl, 6.2L 8-cyl	4WD, RWD	16–23	$1,560
2026	3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl, 6.2L 8-cyl	4WD, RWD	16–23	$1,530
2025	3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl, 6.2L 8-cyl	4WD, RWD	16–23	$1,500
2024	3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl, 6.2L 8-cyl	4WD, RWD	16–23	$1,470
2023	3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl, 6.2L 8-cyl	4WD, RWD	16–23	$1,435
2022	3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl, 6.2L 8-cyl	4WD, RWD	16–23	$1,405
2021	3.0L 6-cyl Turbo Diesel, 5.3L 8-cyl, 6.2L 8-cyl	4WD, RWD	16–23	$1,375
2014	5.3L 8-cyl, 6.2L 8-cyl	4WD, AWD, RWD	14–17	$1,215
2013	5.3L 8-cyl, 6.0L 8-cyl, 6.2L 8-cyl	4WD, AWD, RWD	12–17	$1,215
2012	5.3L 8-cyl, 6.0L 8-cyl, 6.2L 8-cyl	4WD, AWD, RWD	12–17	$1,215
2011	5.3L 8-cyl, 6.0L 8-cyl, 6.2L 8-cyl	4WD, AWD, RWD	12–17	$1,215
2010	5.3L 8-cyl, 6.2L 8-cyl	RWD	14–17	$1,215
2009	5.3L 8-cyl, 6.0L 8-cyl, 6.2L 8-cyl	RWD	15–16	$1,215
2008	5.3L 8-cyl, 6.0L 8-cyl, 6.2L 8-cyl	4WD/AWD, RWD	14–16	$1,215
2007	5.3L 8-cyl, 6.0L 8-cyl	4WD/AWD, RWD	14–16	$1,215
2006	5.3L 8-cyl, 6.0L 8-cyl	4WD/AWD, RWD	13–14	$1,215
2005	5.3L 8-cyl, 6.0L 8-cyl	4WD/AWD, RWD	13–15	$1,215

GMC Yukon XL insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$1,360	$470	−13%
Alaska	$1,365	$610	−13%
Arizona	$1,640	$645	+5%
Arkansas	$1,385	$440	−11%
California	$1,515	$560	−3%
Colorado	$1,795	$640	+15%
Connecticut	$1,650	$695	+6%
Delaware	$1,735	$785	+11%
District of Columbia	$1,960	$725	+26%
Florida	$2,220	$1,055	+42%
Georgia	$1,925	$855	+23%
Hawaii	$1,070	$425	−31%
Idaho	$1,060	$395	−32%
Illinois	$1,355	$490	−13%
Indiana	$1,110	$395	−29%
Iowa	$1,080	$305	−31%
Kansas	$1,265	$395	−19%
Kentucky	$1,315	$515	−16%
Louisiana	$2,160	$775	+38%
Maine	$995	$415	−36%
Maryland	$1,745	$735	+12%
Massachusetts	$1,525	$580	−2%
Michigan	$1,695	$750	+9%
Minnesota	$1,320	$460	−15%
Mississippi	$1,500	$520	−4%
Missouri	$1,430	$500	−8%
Montana	$1,265	$385	−19%
Nebraska	$1,270	$395	−19%
Nevada	$1,775	$850	+14%
New Hampshire	$1,110	$395	−29%
New Jersey	$1,865	$915	+20%
New Mexico	$1,405	$510	−10%
New York	$2,085	$910	+34%
North Carolina	$1,165	$440	−25%
North Dakota	$1,020	$270	−35%
Ohio	$1,115	$395	−29%
Oklahoma	$1,420	$460	−9%
Oregon	$1,395	$615	−11%
Pennsylvania	$1,365	$415	−13%
Rhode Island	$1,870	$805	+20%
South Carolina	$1,670	$715	+7%
South Dakota	$1,230	$310	−21%
Tennessee	$1,300	$440	−17%
Texas	$1,865	$675	+20%
Utah	$1,410	$640	−10%
Vermont	$1,015	$310	−35%
Virginia	$1,340	$615	−14%
Washington	$1,355	$580	−13%
West Virginia	$1,315	$425	−16%
Wisconsin	$1,075	$365	−31%
Wyoming	$1,250	$320	−20%

GMC Yukon XL insurance by driver profile

Estimated annual GMC Yukon XL premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,655	$2,395	$4,295	$358
Young adult (22)	$960	$1,395	$2,500	$208
Adult in their 30s	$600	$870	$1,560	$130
Adult in their 50s	$555	$800	$1,435	$120
Senior (72)	$675	$975	$1,750	$146
30s, one at-fault accident	$870	$1,265	$2,265	$189
30s, DUI on record	$1,110	$1,610	$2,890	$241

GMC Yukon XL vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
GMC Yukon XL	$1,560	93	102	—
Ford Expedition	$1,370	92	97	—
Tesla Model X	$2,105	218	157	—
Toyota Sequoia	$1,515	104	141	—

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Other GMC models

Acadia $1,035/yr
Terrain $1,480/yr
Yukon $1,315/yr
Canyon $1,320/yr
Sierra 1500 $1,605/yr
Sierra EV $1,600/yr
Hummer EV $1,495/yr
Savana $1,250/yr
Envoy $1,190/yr
Safari $1,220/yr
Sierra 2500HD $1,320/yr

All GMC insurance costs →

Frequently asked questions

How much is insurance for a GMC Yukon XL?

We estimate about $1,560 a year ($130 a month) for full coverage and $600 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% less than the average vehicle.

Is the GMC Yukon XL expensive to insure?

HLDI insurance-loss data rates it at 93 for collision and 102 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a GMC Yukon XL?

Maine has the lowest estimate (about $995 a year for full coverage) and Florida the highest (about $2,220).

What is the GMC Yukon XL's NHTSA safety rating?

The 2026 GMC Yukon XL earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the GMC Yukon XL cheaper to insure than the Ford Expedition?

By our estimate the GMC Yukon XL costs about $1,560 a year versus $1,370 for the Ford Expedition, making the Ford Expedition cheaper to insure.

How much is GMC Yukon XL insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,295 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page