Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year for full coverage insurance. Comprehensive costs approximately $228 each year, collision costs $296, and liability coverage is estimated at $592. Liability-only insurance costs approximately $652 a year, with high-risk driver insurance costing around $2,824. 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:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why all drivers should get quotes using their specific location, 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
• Choosing higher $1,000 deductibles can save $120 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,316
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,544
• Drivers with serious driving violations could pay around $2,824 or more
• Policy cost that insures a teenage driver can cost $5,236 each year

View Chart as Image

Auto insurance rates for a Cadillac Escalade also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 127% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac Escalade insurance rates. A good driver about age 40 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, and quoted 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 Find Low Cost Cadillac Escalade Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates once a year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a review of the data that was raised in the charts and tables above.

• It is possible to save around $150 per year simply by quoting online in advance
• Consumers who purchase additional liability coverage will pay approximately $650 annually to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $436 each month if the policy includes full coverage
• Drivers who have several accidents or serious violations could be charged and average of $1,510 more per year than a driver with a clean driving record