Cadillac Escalade Insurance Rates

U.S. average insurance rates for a Cadillac Escalade are $1,360 a year for full coverage. Comprehensive insurance costs an estimated $242 a year, collision costs $326, and liability insurance costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing $2,922 or more. Teen drivers pay the highest rates at $5,376 a year or more.

Average premium for full coverage: $1,360

Price estimates broken down by individual coverage:

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Escalade trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why it is important to compare rates for a targeted area, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows estimated Cadillac Escalade insurance rates for other coverage scenarios.

• The lowest rate with discounts is $818
• Drivers who choose higher $1,000 deductibles will pay approximately $1,230 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,360
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $248 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,922 or more
• The price that insures a teen driver can cost as much as $5,376 a year

View Chart as Image

Auto insurance prices for a Cadillac Escalade are also quite variable based on the trim level of your Escalade, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

The state you live in makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,940 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $380 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted prices may be quite different.

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 More Affordable Cadillac Escalade Insurance

Getting lower rates on Cadillac Escalade insurance not only requires having a good driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Shop around every other policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a summary of the ideas that were covered above.

• Drivers age 20 and younger are the costliest to insure, with premiums as much as $448 a month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,560 more annually to buy Cadillac Escalade insurance
• Increasing physical damage deductibles can save approximately $375 each year
• Drivers can save approximately $150 per year simply by quoting early and online