Cadillac Escalade Insurance Rates

The average insurance prices for a Cadillac Escalade are $1,316 every 12 months for full coverage. Comprehensive costs on average $228 a year, collision costs $296, and liability is estimated at $592. A liability-only policy costs approximately $652 a year, with high-risk insurance costing around $2,824. Teenage 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:

Includes $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

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

The examples above show why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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 different risk profiles and scenarios.

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save around $1,196 a year
• The average price for a good driver age 40 with $500 deductibles is $1,316
• Using low $100 deductibles for comp and collision coverage increases the price to $1,544
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,824 or more
• Policy cost to insure a 16-year-old driver may cost $5,236 each year

View Chart as Image

Car insurance rates for a Cadillac Escalade also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Escalade.

Using high physical damage deductibles can save as much as $350 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 127% more than a normal policy. View High Risk Driver Rates

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 $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 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 get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, 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 Shop for the Cheapest Cadillac Escalade Insurance

Finding cheaper rates on insurance for a Cadillac Escalade takes having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The next list is a recap of the data that was raised in the charts and tables above.

• Drivers can save as much as $150 per year simply by quoting early and online
• Insureds who require increased levels of liability coverage will pay an extra $650 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $436 each month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents pay an average of $1,510 more each year to buy Cadillac Escalade insurance