Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,316 annually for full coverage insurance. Comprehensive costs around $228 each year, collision costs $296, and liability coverage costs $592. Buying just liability costs as little as $652 a year, with insurance for high-risk drivers costing around $2,824. Teen drivers cost the most to insure at $5,236 a year or more.

Average premium for full coverage: $1,316

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance rates.

The examples above illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below illustrates estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $798
• Drivers who choose higher $1,000 deductibles will pay about $120 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,316
• Choosing low deductibles for comprehensive and collision insurance will cost $1,544
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,824 or more
• Policy cost with full coverage for a teenage driver can be $5,236 a year

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,500 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $350 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Cheap Cadillac Escalade Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick review of the material that was illustrated above.

• Consumers who may need higher liability limits will pay about $650 annually to go from a 30/60 limit to higher 250/500 limits
• Teenagers pay higher rates, possibly costing $436 each month including comprehensive and collision insurance
• Drivers with a DUI or reckless driving violation pay on average $1,510 more every year for car insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year