Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,316 annually including full coverage. Comprehensive costs an estimated $228 each year, collision insurance costs $296, and liability insurance is estimated at $592. Buying just liability costs approximately $652 a year, and insurance for high-risk drivers costs around $2,824. Teen drivers cost the most to insure at up to $5,236 a year.

Average premium for full coverage: $1,316

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below breaks down average Cadillac Escalade insurance rates for other coverage scenarios.

• The lowest rate with discounts is $798
• Choosing higher $1,000 deductibles can save approximately $120 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,316
• Choosing low deductibles for comp and collision coverage will cost $1,544
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,824
• Policy cost with full coverage for a teen driver can cost as much as $5,236 each year

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $350 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Cadillac Escalade insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy More Affordable Cadillac Escalade Insurance

Finding cheaper rates on Cadillac Escalade insurance takes being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a summary of the information presented in the illustrations above.

• You may be able to save approximately $150 per year just by quoting online in advance
• Youthful drivers are charged the highest rates, with premiums being up to $436 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $350 each year
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,510 more annually than a low-risk driver
• Drivers who want more liability protection will pay about $650 per year to raise limits from a 30/60 limit to higher 250/500 limits