Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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U.S. average insurance prices for a Cadillac Escalade EXT are $1,214 every 12 months for full coverage insurance. Comprehensive costs approximately $242 each year, collision insurance costs $340, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,610. Teenage drivers pay the highest rates at up to $4,682 a year.
Average premium for full coverage: $1,214
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Escalade EXT models.
Price Range from Low to High
For a driver in their 40's, Cadillac Escalade EXT insurance prices range from the cheapest price of $522 for just liability coverage to a high rate of $2,610 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.
The ranges above illustrate why all drivers should compare prices using their 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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates average Cadillac Escalade EXT insurance rates for additional coverage and risk scenarios.
- The best discount rate is $721
- Using higher $1,000 deductibles will save $132 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,214
- Using low deductibles for physical damage coverage increases the price to $1,468
- High-risk insureds who are prone to accidents and violations could pay around $2,610
- The price to insure a 16-year-old driver can cost $4,682 or more
Auto insurance prices for a Cadillac Escalade EXT are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Escalade EXT.
Using high physical damage deductibles could cut prices by as much as $390 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 43% to 129% more than a normal policy. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac Escalade EXT insurance prices. A driver around age 40 might see prices as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,640 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$116 | -9.6% |
| Alaska | $930 | -$284 | -23.4% |
| Arizona | $1,006 | -$208 | -17.1% |
| Arkansas | $1,214 | -$0 | 0.0% |
| California | $1,384 | $170 | 14.0% |
| Colorado | $1,158 | -$56 | -4.6% |
| Connecticut | $1,248 | $34 | 2.8% |
| Delaware | $1,374 | $160 | 13.2% |
| Florida | $1,518 | $304 | 25.0% |
| Georgia | $1,120 | -$94 | -7.7% |
| Hawaii | $872 | -$342 | -28.2% |
| Idaho | $820 | -$394 | -32.5% |
| Illinois | $904 | -$310 | -25.5% |
| Indiana | $912 | -$302 | -24.9% |
| Iowa | $820 | -$394 | -32.5% |
| Kansas | $1,154 | -$60 | -4.9% |
| Kentucky | $1,656 | $442 | 36.4% |
| Louisiana | $1,796 | $582 | 47.9% |
| Maine | $750 | -$464 | -38.2% |
| Maryland | $1,000 | -$214 | -17.6% |
| Massachusetts | $972 | -$242 | -19.9% |
| Michigan | $2,108 | $894 | 73.6% |
| Minnesota | $1,014 | -$200 | -16.5% |
| Mississippi | $1,454 | $240 | 19.8% |
| Missouri | $1,076 | -$138 | -11.4% |
| Montana | $1,304 | $90 | 7.4% |
| Nebraska | $956 | -$258 | -21.3% |
| Nevada | $1,456 | $242 | 19.9% |
| New Hampshire | $872 | -$342 | -28.2% |
| New Jersey | $1,356 | $142 | 11.7% |
| New Mexico | $1,076 | -$138 | -11.4% |
| New York | $1,278 | $64 | 5.3% |
| North Carolina | $700 | -$514 | -42.3% |
| North Dakota | $994 | -$220 | -18.1% |
| Ohio | $836 | -$378 | -31.1% |
| Oklahoma | $1,246 | $32 | 2.6% |
| Oregon | $1,112 | -$102 | -8.4% |
| Pennsylvania | $1,158 | -$56 | -4.6% |
| Rhode Island | $1,618 | $404 | 33.3% |
| South Carolina | $1,098 | -$116 | -9.6% |
| South Dakota | $1,024 | -$190 | -15.7% |
| Tennessee | $1,064 | -$150 | -12.4% |
| Texas | $1,464 | $250 | 20.6% |
| Utah | $898 | -$316 | -26.0% |
| Vermont | $832 | -$382 | -31.5% |
| Virginia | $726 | -$488 | -40.2% |
| Washington | $938 | -$276 | -22.7% |
| West Virginia | $1,112 | -$102 | -8.4% |
| Wisconsin | $842 | -$372 | -30.6% |
| Wyoming | $1,082 | -$132 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,192 | $99 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,214 | $101 |
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 | $266 | $410 | $474 | $1,308 |
| 2011 Cadillac Escalade EXT | $242 | $340 | $474 | $1,214 |
| 2010 Cadillac Escalade EXT | $228 | $308 | $474 | $1,168 |
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 More Affordable Cadillac Escalade EXT Insurance
Getting lower rates on insurance for a Cadillac Escalade EXT requires having a decent driving record, having a good credit score, not filing small claims, and possibly higher deductibles. Invest time comparing rates at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following items are a summary of the primary concepts that were covered in the charts and tables above.
- It is possible to save around $140 per year just by quoting online in advance
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,400 more per year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $375 each year
- 16 to 18-year-old drivers have the highest car insurance prices, as much as $390 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $2,762 |
| 30 | $1,250 |
| 40 | $1,214 |
| 50 | $1,110 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,352 |
| $500 | $1,214 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,214 |
| 50/100 | $1,309 |
| 100/300 | $1,427 |
| 250/500 | $1,735 |
| 100 CSL | $1,356 |
| 300 CSL | $1,617 |
| 500 CSL | $1,807 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,634 |
| 20 | $4,404 |
| 30 | $2,648 |
| 40 | $2,610 |
| 50 | $2,492 |
| 60 | $2,466 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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