Cadillac Escalade Insurance Rates

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

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $798
• Using higher $1,000 deductibles will save about $1,196 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,316
• Selecting low $100 deductibles for physical damage coverage will cost an additional $228 a year
• Drivers with serious driving violations could pay at least $2,824 or more
• Policy cost that insures a teen driver can be $5,236 or more

View Chart as Image

Auto insurance rates for a Cadillac Escalade also range considerably based on the trim level of your Escalade, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 127% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Cadillac Escalade insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

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

Because rates have so much variability, the only way to know your exact price is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied.

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 More Affordable Cadillac Escalade Insurance

Finding cheaper rates on Cadillac Escalade insurance requires being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every year by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a summary of the coverage data illustrated above.

• Drivers can save up to $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Youthful drivers are expensive to insure, costing up to $436 each month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations pay on average $1,510 more every year than a low-risk driver