Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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The average insurance prices for a Cadillac Escalade EXT are $1,168 every 12 months for full coverage insurance. Comprehensive costs on average $228, collision costs $308, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,508. Teen drivers cost the most to insure at $4,536 a year or more.
Average premium for full coverage: $1,168
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Escalade EXT trim levels.
Price Range Variability
Using a middle-aged driver as an example, Cadillac Escalade EXT insurance rates go from the cheapest price of $522 for just liability insurance to a much higher rate of $2,508 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how where you live affects car insurance rates.
The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Cadillac Escalade EXT insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $696
- Choosing higher $1,000 deductibles can save around $124 each year
- The average price for a good driver age 40 with $500 deductibles is $1,168
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,400
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,508 or more
- Policy cost to insure a teen driver with full coverage may cost $4,536 each year
Auto insurance rates for a Cadillac Escalade EXT also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Escalade EXT.
Choosing high deductibles can save as much as $360 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 134% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Cadillac Escalade EXT insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,580 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,056 | -$112 | -9.6% |
| Alaska | $894 | -$274 | -23.5% |
| Arizona | $968 | -$200 | -17.1% |
| Arkansas | $1,168 | -$0 | 0.0% |
| California | $1,332 | $164 | 14.0% |
| Colorado | $1,116 | -$52 | -4.5% |
| Connecticut | $1,200 | $32 | 2.7% |
| Delaware | $1,322 | $154 | 13.2% |
| Florida | $1,462 | $294 | 25.2% |
| Georgia | $1,076 | -$92 | -7.9% |
| Hawaii | $840 | -$328 | -28.1% |
| Idaho | $788 | -$380 | -32.5% |
| Illinois | $870 | -$298 | -25.5% |
| Indiana | $878 | -$290 | -24.8% |
| Iowa | $788 | -$380 | -32.5% |
| Kansas | $1,110 | -$58 | -5.0% |
| Kentucky | $1,592 | $424 | 36.3% |
| Louisiana | $1,726 | $558 | 47.8% |
| Maine | $720 | -$448 | -38.4% |
| Maryland | $962 | -$206 | -17.6% |
| Massachusetts | $934 | -$234 | -20.0% |
| Michigan | $2,030 | $862 | 73.8% |
| Minnesota | $976 | -$192 | -16.4% |
| Mississippi | $1,398 | $230 | 19.7% |
| Missouri | $1,036 | -$132 | -11.3% |
| Montana | $1,254 | $86 | 7.4% |
| Nebraska | $922 | -$246 | -21.1% |
| Nevada | $1,400 | $232 | 19.9% |
| New Hampshire | $840 | -$328 | -28.1% |
| New Jersey | $1,304 | $136 | 11.6% |
| New Mexico | $1,036 | -$132 | -11.3% |
| New York | $1,230 | $62 | 5.3% |
| North Carolina | $672 | -$496 | -42.5% |
| North Dakota | $956 | -$212 | -18.2% |
| Ohio | $804 | -$364 | -31.2% |
| Oklahoma | $1,200 | $32 | 2.7% |
| Oregon | $1,068 | -$100 | -8.6% |
| Pennsylvania | $1,114 | -$54 | -4.6% |
| Rhode Island | $1,558 | $390 | 33.4% |
| South Carolina | $1,058 | -$110 | -9.4% |
| South Dakota | $986 | -$182 | -15.6% |
| Tennessee | $1,024 | -$144 | -12.3% |
| Texas | $1,408 | $240 | 20.5% |
| Utah | $864 | -$304 | -26.0% |
| Vermont | $800 | -$368 | -31.5% |
| Virginia | $698 | -$470 | -40.2% |
| Washington | $904 | -$264 | -22.6% |
| West Virginia | $1,068 | -$100 | -8.6% |
| Wisconsin | $810 | -$358 | -30.7% |
| Wyoming | $1,040 | -$128 | -11.0% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,148 | $96 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,168 | $97 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Cadillac Escalade EXT | $260 | $372 | $478 | $1,268 |
| 2011 Cadillac Escalade EXT | $228 | $308 | $474 | $1,168 |
| 2010 Cadillac Escalade EXT | $220 | $278 | $468 | $1,124 |
Rates are averaged for all Cadillac Escalade EXT models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Cadillac Escalade EXT Insurance
Finding cheaper rates on Cadillac Escalade EXT insurance takes having a decent driving record, having a good credit score, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies, and also from several local insurance agents.
The following items are a review of the concepts that were touched on in the above illustrations.
- High-risk drivers who have several accidents or serious violations pay on average $1,340 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest rates, possibly costing $378 each month if comprehensive and collision insurance is included
- It is possible to save as much as $130 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- It is possible to save as much as $130 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,536 |
| 20 | $2,656 |
| 30 | $1,200 |
| 40 | $1,168 |
| 50 | $1,068 |
| 60 | $1,046 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,400 |
| $250 | $1,294 |
| $500 | $1,168 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,168 |
| 50/100 | $1,263 |
| 100/300 | $1,381 |
| 250/500 | $1,689 |
| 100 CSL | $1,310 |
| 300 CSL | $1,571 |
| 500 CSL | $1,761 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,420 |
| 20 | $4,234 |
| 30 | $2,542 |
| 40 | $2,508 |
| 50 | $2,396 |
| 60 | $2,372 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $81 |
| Total Discounts | $472 |
Discounts are estimated and may not be available from every company or in every state.
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