Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,316 annually including full coverage. Comprehensive costs an estimated $228 a year, collision insurance costs $296, and liability is estimated at $592. Liability-only insurance costs approximately $652 a year, and high-risk driver insurance costs around $2,824. Teens cost the most to insure at up to $5,236 a year.

Average premium for full coverage: $1,316

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Cadillac Escalade insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $798
• Choosing higher $1,000 deductibles can save approximately $1,196 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,316
• Selecting low $100 deductibles for comp and collision coverage will cost $1,544
• Higher-risk drivers with serious driving violations could pay up to $2,824
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,236 each year

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Auto insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $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 likely paying $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Cheap Cadillac Escalade Insurance

Finding cheaper rates on insurance for a Cadillac Escalade takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the material that was covered in the above illustrations.

• Insureds who want higher liability limits will pay approximately $650 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenagers are the costliest to insure, with premiums being up to $436 each month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,510 more annually for car insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year