Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,360 annually for full coverage insurance. Comprehensive insurance costs on average $242, collision costs $326, and liability coverage costs around $592. A liability-only policy costs as low as $652 a year, with high-risk insurance costing $2,922 or more. Teen drivers cost the most to insure at $5,376 a year or more.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $818
• Using higher $1,000 deductibles will save around $130 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,360
• Choosing more expensive low deductibles for physical damage coverage costs an additional $248 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,922 or more
• Policy cost with full coverage for a teenage driver with full coverage may cost $5,376 or more

View Chart as Image

Car insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can be around 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $380 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Cadillac Escalade insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,830 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.

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 Low Cost Cadillac Escalade Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the ideas that were raised in the charts and tables above.

• Teen drivers are expensive to insure, possibly costing $448 each month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may pay on average $1,560 more each year to insure their Escalade
• Increasing comprehensive and collision deductibles could save up to $375 each year
• It is possible to save as much as $150 per year simply by shopping early and online