Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year for full coverage. Comprehensive costs on average $228, collision insurance costs $296, and liability costs around $592. A liability-only policy costs as low as $652 a year, and high-risk insurance costs around $2,824. Teenage drivers cost the most to insure at up to $5,236 a year.

Average premium for full coverage: $1,316

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

The examples above show why everyone should compare prices based on a specific location, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $798
• Using higher $1,000 deductibles will save around $120 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,316
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,544
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,824
• Policy cost that insures a 16-year-old driver for full coverage may cost $5,236 or more

View Chart as Image

Car insurance rates for a Cadillac Escalade also range considerably based on the model of your Escalade, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,200 extra every year, depending on your age. Cadillac Escalade insurance for high-risk drivers can be from 42% to 127% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Your home state has a huge impact on Cadillac Escalade insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $350 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

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 insurance for a Cadillac Escalade requires having a decent driving record, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The following items are a brief recap of the material that was touched on in the above illustrations.

• Insureds who require additional liability coverage will pay an extra $650 each year to increase from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, costing up to $436 each month if full coverage is purchased
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,510 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $350 each year