Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,414 a year for full coverage. Comprehensive insurance costs around $260 a year, collision costs $358, and liability insurance costs around $596. Buying just liability costs as low as $656 a year, with insurance for high-risk drivers costing $3,036 or more. Teenage drivers cost the most to insure at $5,546 a year or more.

Average premium for full coverage: $1,414

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.

• The best discount rate is $848
• Using higher $1,000 deductibles will save about $1,272 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,414
• Using low $100 deductibles for physical damage coverage will cost an extra $266 a year
• Drivers who are prone to accidents and violations could pay at least $3,036 or more
• Policy cost for full coverage for a teen driver can be $5,546 or more

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on your risk profile, the trim level of your Escalade, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age

Your home state has a huge impact on Cadillac Escalade insurance rates. A driver around age 40 might see rates as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $410 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $486 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.

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 the Best Cadillac Escalade Insurance

Finding cheaper rates on Cadillac Escalade insurance requires being a good driver, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a brief recap of the data touched on above.

• Drivers who may need an increased level of liability coverage will pay an extra $660 each year to increase from a 30/60 limit to 250/500 limits
• Drivers can save up to $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers age 16 to 20 pay higher rates, costing up to $462 each month for full coverage