Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year for full coverage insurance. Comprehensive costs on average $228, collision costs $296, and liability coverage is $592. Buying just liability costs around $652 a year, with insurance for high-risk drivers costing around $2,824. 16-year-old drivers cost the most to insure at $5,236 a year or more.

Average premium for full coverage: $1,316

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

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

Additional Rate Information

The chart below illustrates estimated Cadillac Escalade insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $798
• Raising to $1,000 deductibles will save around $120 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,316
• Buying pricier low deductibles will increase the cost to $1,544
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,824 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,236

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age

Your home state also has a big influence on Cadillac Escalade insurance rates. A middle-age driver might find rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $350 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,200 extra every year, depending on your age. Cadillac Escalade insurance for high-risk drivers is expensive and can cost around 42% to 127% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates 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 Low Cost Cadillac Escalade Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, maintaining good credit, being claim-free, and bundling your home and auto policies. Set aside time to shop around at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a review of the car insurance concepts raised in the charts and tables above.

• Drivers who have several accidents or serious violations pay an average of $1,510 more each year than a driver with a clean driving record
• It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $350 each year
• Consumers who require additional liability coverage will pay around $650 annually to raise from a 30/60 limit to 250/500 limits