Car Insurance Costs for a Denali

Denali car insurance costs average $134 a month. Denalis are expensive, luxury vehicles, so they are costly to insure. They're also stolen more often than other vehicles.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • Denalis are expensive, luxury vehicles, so they are costly to insure
  • They are stolen more often than other vehicles, so that drives up their insurance costs as well
  • You can look for discounts to save on your car insurance premiums

The cost of car insurance for a Denali depends on many separate factors, most notably who the driver is and what is on their driving record.

In addition, different insurance companies will charge different amounts for insuring the same car. This is because insurance companies all have different guidelines that are followed when insuring different vehicles.

The Denali is manufactured by GMC and is a name that is given to all the top of the line models of heavy trucks within the GMC family. This includes sport utility vehicles and pick-up trucks.

In general, the use of the moniker Denali signifies the most expensive and high-end models of that particular vehicle. In fact, the GMC Yukon XL Denali has an MSRP of nearly $60,000.

Any GMC vehicle that is a Denali will typically be expensive to insure due to the high replacement cost, as well as the possibility of the vehicle being stolen.

Are you looking to insure your GMC Denali? Enter your ZIP code in the box above to get car insurance rates today.

How does my driving record affect the car insurance cost of a Denali?

All insurance companies look at your driving record when determining the rates of your car insurance premium.

If you are attempting to insure a Denali, the insurance companies will see if you are in a high-risk situation of getting in an accident.

For example, if you have been in several accidents, even if they were only fender benders, your rate might increase because the Denali is a very large vehicle and can be difficult to drive around, especially in smaller spaces like parking lots.

Denalis also tend to have larger engines, which in turn make them faster.

If you have a history of speeding tickets and are looking to insure a Denali, your rate might be higher because the insurance company sees you as a risk of another moving violation.

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Does anything else affect my insurance rates for a Denali?

In addition to driving records, car insurance companies look at the theft rate of vehicles when determining insurance costs.

While there is no specific information on Denalis in the list of the Top 10 most stolen cars, the GMC Yukon is ranked 10th with a rate of nearly six out of every 1,000 cars stolen in 2009, the latest year that the data is available.

In addition, the average claim cost of a GMC Yukon is $9,500. Considering that the Yukon Denali is the most expensive model available, the average claim amount will most likely be higher.

All of these factors come into play when insurance companies are determining insurance premium rates.

How can I save money on my Denali insurance?

In most cases, you will not save money simply because you are driving a Denali.

In fact, if you are driving a Denali, a vehicle that is stolen nearly three times more often than the average car and has a replacement cost of nearly 50 percent higher than the average vehicle, your rate will be higher.

However, if you are planning on insuring a Denali, there are certain ways that you can save money. The first step would be to call your insurance agent and simply ask if there are any discounts for which you are eligible.

Most insurance companies offer many different discounts, no matter what type of vehicle you drive.

Some examples of discounts for someone driving a Denali would be the following:

  • A good driver discount – can save you as much as 10 percent on the cost of your car insurance premium simply for being what insurance companies classify as being a good driver
  • A multi-policy discount – available if you insured your Denali with an insurance company and also had another policy such as homeowner’s or life with the same company
  • A pay-in-full discount – if you are insuring you Denali and making monthly insurance payments, you may be able to save some costs by paying your premium in full

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