Cadillac Escalade Insurance Rates

U.S. average insurance rates for a Cadillac Escalade are $1,316 a year for full coverage. Comprehensive insurance costs approximately $228 each year, collision costs $296, and liability insurance is $592. Liability-only coverage costs around $652 a year, with high-risk coverage costing $2,824 or more. Teenage drivers pay the highest rates at $5,236 a year or more.

Average premium for full coverage: $1,316

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Escalade models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance prices.

The ranges above show why all drivers should compare rates quotes using their specific location, rather than relying on average rates.

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

Additional Rate Details

The chart below shows estimated Cadillac Escalade insurance rates for additional coverage and risk scenarios.

• The best discount rate is $798
• Raising to $1,000 deductibles will save $120 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,316
• Using low deductibles will cost an additional $228 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,824 or more
• The price that insures a teen driver can cost $5,236

View Chart as Image

Auto insurance prices for a Cadillac Escalade are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,500 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in also has a big influence on Cadillac Escalade insurance rates. A middle-age driver might find prices as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $350 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

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 Find the Cheapest Cadillac Escalade Insurance

Getting lower rates on Cadillac Escalade insurance consists of having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Compare prices once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a recap of the data that was touched on in this article.

• Drivers can save around $150 per year simply by quoting online in advance
• Drivers who purchase additional liability coverage will pay an extra $650 each year to raise from a low limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $436 a month if the policy includes full coverage
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,510 more per year than a driver with a clean driving record