Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,360 annually for full coverage. Comprehensive costs on average $242 each year, collision costs $326, and liability is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing around $2,922. Teenage drivers cost the most to insure at $5,376 a year or more.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $818
• Choosing higher $1,000 deductibles can save around $130 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,360
• Using low deductibles for comp and collision coverage will cost $1,608
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,922 or more
• Policy cost with full coverage for a teen driver may cost $5,376 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $380 every year, whereas increasing liability limits will cost you more. Going 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 plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, 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 Cheaper Cadillac Escalade Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

Below is a condensed summary of the data that was touched on above.

• Drivers can save as much as $150 per year simply by quoting online in advance
• Policyholders who require higher levels of liability will pay an extra $650 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Teenage drivers pay higher rates, costing up to $448 each month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,560 more each year for auto insurance