Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,316 annually for full coverage insurance. Comprehensive insurance costs approximately $228 a year, collision costs $296, and liability coverage costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage 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 by type of insurance:

Prices are based on $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 Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

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

The examples above illustrate why it is important to compare rates using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Information

The chart below illustrates estimated Cadillac Escalade insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $798
• Drivers who choose higher $1,000 deductibles will pay $1,196 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,316
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $228 each year
• High-risk insureds with serious driving violations could pay around $2,824 or more
• Policy cost with full coverage for a teenage driver can cost $5,236 a year

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $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 probably paying anywhere from $1,500 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $350 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every company calculates rates differently, and rates will be varied between companies.

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 Affordable Cadillac Escalade Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the car insurance concepts touched on in this article.

• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,510 more per year for car insurance
• It is possible to save around $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Consumers who purchase higher liability limits will pay approximately $650 annually to go from a 30/60 limit to higher 250/500 limits