Cadillac Escalade Insurance Rates

The average insurance prices for a Cadillac Escalade are $1,316 every 12 months for full coverage. Comprehensive insurance costs an estimated $228, 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. 16-year-old drivers cost the most to insure at $5,236 a year or more.

Average premium for full coverage: $1,316

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist 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 insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using rate averages.

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

Additional Charts and Tables

The chart below shows estimated Cadillac Escalade insurance rates for other coverage scenarios.

• The best full coverage rate is $798
• Drivers who choose higher $1,000 deductibles will pay approximately $120 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,316
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $228 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,824 or more
• Policy cost to insure a teenage driver with full coverage can cost as much as $5,236 a year

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

Opting for high physical damage deductibles could save up to $350 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher 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 excellent drivers should be prepared to pay at least $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 $1,500 to $2,200 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 127% more than the average rate. View High Risk Driver Rates

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 Iowa, Maine, and Idaho, or at least $1,880 on average in New York, Louisiana, and Michigan.

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Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see how they stack up. Every company utilizes a different rate formula, and 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 Shop for Affordable Cadillac Escalade Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a brief review of the primary concepts that were covered in the above illustrations.

• Drivers can save approximately $150 per year simply by shopping early and online
• Drivers with DUI or reckless driving convictions pay on average $1,510 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Teenagers are expensive to insure, costing up to $436 each month if full coverage is included