Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,824 a year for full coverage. Comprehensive insurance costs on average $392 each year, collision costs $696, and liability is estimated at $536. Liability-only coverage costs approximately $606 a year, with high-risk coverage costing $3,944 or more. Teenage drivers cost the most to insure at $6,782 a year or more.

Average premium for full coverage: $1,824

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below shows estimated Cadillac Escalade insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,048
• Choosing higher $1,000 deductibles can save around $246 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,824
• Using low deductibles for comp and collision coverage will cost an extra $478 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,944 or more
• Policy cost for full coverage for a 16-year-old driver may cost $6,782 each year

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 policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $6,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $1,200 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,600 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $730 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $438 more each 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 a minimum $2,100 to $3,000 additional every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 129% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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

Finding cheaper rates on insurance for a Cadillac Escalade takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following is a summary of the information touched on above.

• Drivers can save as much as $220 per year simply by quoting online in advance
• Teens pay higher rates, costing up to $565 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $725 each year
• Drivers considered higher risk who have multiple accidents or major violations will pay on average $2,120 more each year for Escalade insurance
• Insureds who require higher liability limits will pay an extra $590 each year to raise limits from a 30/60 limit to 250/500 limits