Cadillac Escalade EXT Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 11, 2024
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Average insurance prices for a Cadillac Escalade EXT are $1,168 every 12 months with full coverage. Comprehensive insurance costs approximately $228, collision costs $308, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,508 or more. Teen drivers receive the highest rates at $4,536 a year or more.
Average premium for full coverage: $1,168
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Escalade EXT models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $522 for liability-only coverage to the much higher price of $2,508 for coverage for higher-risk drivers.
Price Range by Location
Where you live can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than larger metro areas.
The example below illustrates how location impacts auto insurance prices.
These examples demonstrate why everyone should compare prices using their specific location and their own driving history, instead of making a decision based 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.
Additional Charts and Tables
The chart below details estimated Cadillac Escalade EXT insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $696
- Using higher $1,000 deductibles will save $124 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,168
- Choosing pricier low deductibles for physical damage coverage costs an extra $232 annually
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,508 or more
- The cost to insure a 16-year-old driver for full coverage can cost $4,536 or more
Car insurance rates for a Cadillac Escalade EXT can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Escalade EXT.
Choosing high deductibles could cut rates by as much as $360 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,400 to $1,900 extra per year, depending on your age. Cadillac Escalade EXT insurance for high-risk drivers can be from 42% to 134% more than average. View High Risk Driver Rates
Where you live has a huge impact on Cadillac Escalade EXT insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,580 on average in New York, Michigan, 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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.
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
Saving money on insurance for a Cadillac Escalade EXT requires avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Spend time shopping around at least once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a review of the primary concepts that were touched on above.
- You may be able to save around $130 per year simply by quoting online well ahead of the renewal date
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,340 more per year for car insurance
- Increasing deductibles could save as much as $350 each year
- Teenagers pay the highest auto insurance rates, with premiums as much as $378 per month if the policy includes full coverage
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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