Cadillac Escalade EXT Insurance Rates
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Michelle Robbins
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UPDATED: May 11, 2024
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U.S. average insurance rates for a Cadillac Escalade EXT are $1,168 a year for full coverage. Comprehensive insurance costs an estimated $228 a year, collision costs $308, and liability coverage is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,508 or more. 16-year-old drivers pay the highest rates at $4,536 a year or more.
Average premium for full coverage: $1,168
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Escalade EXT trim levels.
Price Range from Low to High
For the normal driver, Cadillac Escalade EXT insurance prices go from as low as $522 for just the minimum liability insurance to a high of $2,508 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.
The diagram below illustrates how geographic area affects insurance prices.
The ranges above show why it is important to compare rates quotes for a targeted area and risk profile, rather than using rate 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.
Additional Rate Analysis
The chart below shows estimated Cadillac Escalade EXT insurance rates for other coverage scenarios.
- The best full coverage rate is $696
- Raising to $1,000 deductibles will save approximately $1,044 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,168
- Buying low $100 deductibles will cost an extra $232 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,508 or more
- The price for full coverage for a teenage driver can cost as much as $4,536
Auto insurance prices for a Cadillac Escalade EXT are also quite variable based on your driving record, the trim level of your Escalade EXT, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,500 a year. View Rates by Age
The state you live in also has a big influence on Cadillac Escalade EXT insurance rates. A middle-age driver might find prices as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,670 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $360 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 134% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
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 Find the Best Cheap Cadillac Escalade EXT Insurance
Getting lower rates on auto insurance consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a quick review of the ideas that were presented in the illustrations above.
- Teen drivers are the costliest to insure, with premiums as much as $378 a month if they have full coverage
- Drivers with a DUI or reckless driving violation pay an average of $1,340 more annually to insure their Escalade EXT
- Increasing physical damage deductibles can save around $350 each year
- Drivers can save approximately $130 per year simply by quoting 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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