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GMC Yukon insurance rates

One of GMC’s best-selling models is also one of its priciest to insure

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According to our research, the average cost of car insurance for the GMC Yukon is around $190 a month — or $2,280 a year. With a base price of about $66,000, this puts the insurance cost-to-base car price ratio at 3.5%, which is below the ratio for most large SUVs and far less than sedans, whose ratio can be as high as 10%.

Released in 1991, the Yukon is the successor to GMC’s popular Jimmy SUV. Although it was initially available with two and four doors, the Yukon is currently sold as a four-door full-size SUV. Chevrolet also sells a nearly identical full-size SUV called the Tahoe. The two vehicles are based on the same chassis and engine and share many similar features and designs.

ModelMonthly insurance rateBase car price
Acadia$136$29,070
Acadia Limited$133$43,850
Canyon$128$20,885
Savana$124$32,490
Sierra$113$34,995
Terrain$123$39,500
Yukon$190$66,000
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How to compare insurance for the GMC Yukon

After budgeting for car payments and other monthly expenses, auto insurance is the last thing you want to think about. Shopping for coverage can be expensive and frustrating, as many providers use unclear language and pricing structures. This makes it hard to find the right policy for your needs. However, it’s easier to compare your options if you know what to look for. Here are a few factors to consider:

  • Price. Compare providers to find the best value and any discounts you might qualify for.
  • Deductible. Your deductible is the amount you’ll need to pay out in the case of an accident. Choose an amount that you can afford if you need to file a claim, but one that won’t increase your monthly premiums too much.
  • Coverage. Before you choose a policy, ensure that your coverage meets your state’s minimum car insurance requirements. Consider adding additional coverage like comprehensive or collision if you live in an area with a high crime rate or one prone to flooding.
  • Extras. Policy features can vary between providers. As you compare your options, decide which features you’re willing to pay extra for.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Loyalty discount. Some insurance companies offer special loyalty discounts depending on the brand of car you drive. For example, National General Insurance offers discounts and perks exclusively to GM drivers.
  • Warranty. GMC offers a five-year or 60,000-mile powertrain warranty that includes roadside assistance and courtesy transportation, so you can probably skip adding these features to your insurance policy for now.

What factors affect car insurance for the GMC Yukon?

Insurance providers calculate your premiums based on your chance of filing claims and the cost of paying them out. Since performance, safety features, theft rates and other variables can differ between makes and models, your choice of vehicle plays a significant role in the price you pay for auto insurance.

Here’s how the GMC Yukon’s characteristics could affect the cost of insurance:

  • Body type. The Yukon is a four-door SUV that’s designed for families. While it can handle towing and hauling cargo, it’s unlikely to be driven in risky situations.
  • Type of car. The GMC Yukon is a higher-end large SUV, which could be expensive to replace or repair.
  • Theft. This vehicle has one of the highest theft rates for new vehicles, which will likely increase the cost of coverage.
  • Repairs. The Yukon has an average repair cost of around $200, which is below average for vehicles in its class.
  • Safety ratings. The GMC Yukon is a well-built SUV with great safety ratings. Most insurance companies give discounts for safety features.
  • Fuel type. Gas vehicles like the GMC Yukon are cheaper to insure compared to diesel or hybrid vehicles.
  • Trims and packages. Trims and packages that increase power or value of the vehicle could lead to higher premiums, whereas features that improve visibility or safety could have the opposite effect.

Yukon insurance discounts

You could save on car insurance for your GMC Yukon since it comes equipped with tons of safety features. Your Yukon should qualify for these car insurance discounts:

  • Antilock brake discount
  • Antitheft discount
  • Passive restraint discount
  • Emergency roadside assistance discount
  • New car discount

GMC Yukon safety and reliability ratings

The 2018 GMC Yukon with 4WD earns an overall safety rating of 4 out of 5 from the National Highway Traffic Safety Administration (NHTSA). The Insurance Institute for Highway Safety (IIHS) only rated the Yukon’s child seat anchors, which score an acceptable rating.

While its safety ratings are topnotch, the 2018 GMC Yukon’s reliability ratings aren’t as impressive. It earns a 2.5 out of 5 reliability rating, which is below average for vehicles in its class.

Overall, U.S. News gives this full-size SUV a score of 7.8 out of 10 based on performance, interior, safety, reliability and critics’ ratings.

GMC Yukon series maintenance

The Yukon is a sturdy, all-purpose SUV that can handle almost anything you put it through. The large wheelbase and powerful drivetrain allow it to perform well on nearly any terrain — highways, dirt roads, paved streets or anywhere else. Its robust design requires little upkeep, but routine maintenance can help ensure that it operates smoothly for years to come.

  • GMC recommends an oil change every 7,500 miles. This service interval also includes rotating tires and checking the oil filter.
  • Oil changes for the GMC Yukon cost an average of $85. However, your actual cost could vary depending on where you bring your vehicle for service, how long it’s been since your last oil change and other factors.
  • The Yukon has an average annual repair cost of about $200. This is less than other vehicles in its class.

Is an extended warranty worth it for the Yukon?

The Yukon comes with a three-year or 36,000-mile bumper-to-bumper warranty, five-year or 60,000-mile powertrain warranty, three-year or 36,000-mile corrosion protection and six-year or 100,000-mile rust-through protection. On top of that, it’s backed by five-years or 60,000 miles of roadside assistance and courtesy transportation when your vehicle requires warranty repairs.

GMC doesn’t offer any official extended warranty options for the Yukon. However, it does have a number of protection plans available, which include things like prepaid maintenance, tire and wheel protection, lease protection and more. The Yukon has below-average reliability ratings, so these plans could provide additional protection and peace of mind.

Bottom line

The GMC Yukon is a popular full-size SUV that makes a great all-purpose vehicle. It holds impressive safety ratings and crash test results, which may help you save on insurance. However, its reliability ratings are below average, so you may want to consider GMC’s protection plans or additional coverage options from your insurance provider.

As always, compare car insurance rates to find the car insurance provider that best fits your needs and budget.

Frequently asked questions about Yukon insurance

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Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

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