Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year with full coverage. Comprehensive insurance costs around $228 a year, collision costs $296, and liability is $592. A liability-only policy costs around $652 a year, with high-risk insurance costing $2,824 or more. Teenage 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $798
• Raising to $1,000 deductibles will save about $1,196 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,316
• Using low $100 deductibles will cost an extra $228 annually
• Drivers who are prone to accidents and violations could pay at least $2,824 or more
• Policy cost for full coverage for a 16-year-old driver can be $5,236

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age

Your home state also has a big influence on Cadillac Escalade insurance prices. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $350 annually, while buying higher liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 127% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Best Cadillac Escalade Insurance

Finding cheaper rates on insurance for a Cadillac Escalade consists of avoiding accidents and claims, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the information covered above.

• You may be able to save up to $150 per year simply by quoting early and online
• Drivers under the age of 20 are the costliest to insure, as much as $436 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $350 each year
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,510 more every year to insure a Cadillac Escalade
• Insureds who may need increased liability limits will pay an extra $650 every year to raise from a 30/60 limit to 250/500 limits