Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year for full coverage. Comprehensive costs around $228, collision costs $296, and liability coverage costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing around $2,824. Teen drivers 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:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $798
• Drivers who choose higher $1,000 deductibles will pay about $120 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,316
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,544
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,824 or more
• Policy cost that insures a teenage driver with full coverage can be $5,236 a year

View Chart as Image

Car insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, 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 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 127% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

Your home state makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $350 a year, while increasing your policy's 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 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes 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 Affordable Cadillac Escalade Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Shop around every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.

The points below are a brief review of the material that was illustrated above.

• Consumers who may need increased liability limits will pay about $650 each year to go from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, costing up to $436 each month if full coverage is purchased
• Drivers with DUI or reckless driving convictions pay on average $1,510 more every year to insure a Cadillac Escalade
• Increasing comprehensive and collision deductibles can save approximately $350 each year