Cadillac Escalade Insurance Rates

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

Average premium for full coverage: $1,316

Price estimates for individual coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Escalade trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code, rather than relying on average rates.

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

Rates by State, City, and Model

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 estimated price for the average middle-age driver using $500 deductibles is $1,316
• Using low $100 deductibles bumps up the cost to $1,544
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,824 or more
• The price that insures a teen driver can be $5,236

View Chart as Image

Insurance prices for a Cadillac Escalade are also quite variable based on the trim level of your Escalade, your age and driving habits, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you may be forking out at least $1,500 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents 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 should be prepared to pay as much as $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 $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 prices by up to $350 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and 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 Low Cost Cadillac Escalade Insurance

Getting lower rates on Cadillac Escalade insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare prices at least every other year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a review of the car insurance concepts touched on in this article.

• High-risk drivers who have several accidents or serious violations may pay on average $1,510 more every year to insure their Escalade
• You may be able to save up to $150 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $350 each year
• Drivers who may need more liability coverage will pay an extra $650 every year to raise from a low limit to the 250/500 level