Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Sep 3, 2019

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Do you have a lot of people and heavy loads to haul, perhaps even off road from time to time? For some folks, a large body-on-frame SUV like the GMC Yukon is the best choice for comfort, plenty of space and towing power.

If you’re wondering what a GMC Yukon costs to insure, enter your zip code in the box to find the best prices available from top-quality car insurance companies.

Before you do, take some time to read ahead and learn more about owning and insuring a GMC Yukon, and what reviewers like about this full-size traditional truck SUV.

Uncompromising Power and Refinement

The GMC Yukon has some very popular relatives, most notably the Chevrolet Tahoe and the Cadillac Escalade, so it doesn’t always get top billing. However, a lot of reviewers like this SUV and are quick to recommend it among truck-based SUV choices.

Edmunds.com praises the good balance of roominess, comfort, off-road muscle and excellent cargo capacity, as well as the Yukon’s refined, sleek interior and excellent acceleration and handling.

Several reviewers, including Car and Driver, fault the lack of a fold-down feature for the third-row seats, but are otherwise enthusiastic about its solid performance, smooth ride and capable utility.

The GMC Yukon comes with a choice of wheel base lengths, engines and trim refinement levels, including the luxuriously appointed Denali trim.

Three powerful V8 engine sizes offer gas-ethanol flex-fuel options and horsepower ranging from 320 in the smallest to 403 in the largest.

Rear-wheel or four-wheel drive pairs with a six-speed transmission, and fuel efficiency reaches an impressive 15 mpg city and 21 mpg highway in the base two-wheel drive Yukon.

Look for a separate posting about the GMC Yukon’s hybrid models to learn more about even greener options.

The GMC Yukon’s Safety Features and Crash Test Results

As with all truck-based SUVs, the GMC Yukon’s size and ground clearance can add a measure of safety to the driving experience. On the other hand, the increased tendency of large SUVs toward rollover adds an extra element of risk, especially to sharp cornering and other destabilizing driving situations.

In federal government crash evaluations performed by the National Highway Traffic Safety Administration, rear-wheel and four-wheel drive Yukon models received an overall rating of four out of five stars in 2011.

Testing was performed according to new, more rigorous standards recently adopted by the NHTSA.

In individual components of the evaluation, the 2011 Yukon received five stars for front impact, five stars for side impact and three stars for rollover. These are reassuring scores, but, as mentioned, a measure of caution is advisable with respect to the potential for rollover in any large truck-based SUV.

Using its previous crash evaluation standards, the NHTSA rated 2007 through 2010 GMC Yukon SUVs with top marks for front and side impact and, again, three out of five stars for rollover. In earlier model years, front and side impact were generally rated at four stars, while rollover was rated at three stars.

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Safety equipment and design certainly contribute to a more secure driving experience in the current generation of the GMC Yukon. All 2011 trim levels come standard with four-wheel disc anti-lock brakes and the StabiliTrak system developed by General Motors to help the driver preserve control in skids and sharp cornering.

Dual-stage front driver and passenger airbags are accompanied by front and rear head curtain airbags that employ a passenger sensing system for small occupants.

Front occupants are also protected by seat-mounted side impact airbags. A tire pressure monitoring system, child LATCH safety seat fittings, and full access to GM’s OnStar menu of crash and emergency services are also standard features.

Radar-based rear parking assist and a rearview camera are standard on SLT and optional on SLE models, while a blind-spot warning alert is optional on some upper-level trims.

How much is car insurance for the GMC Yukon?

The GMC Yukon’s safety equipment and ratings translate into reasonable insurance premiums overall. The cost to insure the base-model 5.3-liter GMC Yukon averages $1100 to $1200 annually on a national basis.

Higher trims levels and the longer-wheelbase XL can cost more, and four-wheel drive models are slightly more expensive than their two-wheel siblings.

However, most sources nonetheless estimate insurance costs for these upgrades at under $1500 annually — still within reasonable limits for well-appointed, large vehicles.

A national average doesn’t necessarily apply to your situation; other factors can increase or decrease your likely cost to insure a GMC Yukon.

Your age and gender, as well as your driving record, credit score, annual mileage and marital status may all be used by insurance companies to predict risk and determine your rate.

In addition, the state and town in which you live can have a significant impact; if you live in a high-theft area of your state, you may have to pay more.

Or, perhaps you live in a state whose average rates are much lower than the national average, in which case you may pay less than half what you would in an expensive state, all other factors being equal.

For example, average premiums for a GMC Yukon are approximately two and a half times higher in Louisiana than in Vermont. Other quirks in pricing can show up, such as in Maine, where drivers may pay up to fifty percent more to insure four-wheel drive Yukon models.

This higher insurance cost is presumably because drivers are overly optimistic about the capabilities of four-wheel drive in winter, and therefore are statistically more likely to engage in riskier driving habits.

While many of these variables are beyond your control, you do have the ability to shop the competitive car insurance market for the best rates available to you to insure a GMC Yukon. To begin your search, simply enter your zip code now and find a good deal!

Compare Auto Insurance Quotes with our FREE quote tool today!

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