Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,360 annually including full coverage. Comprehensive costs on average $242 a year, collision insurance costs $326, and liability costs $592. Liability-only coverage costs as little as $652 a year, and high-risk coverage costs around $2,922. 16-year-old drivers cost the most to insure at up to $5,376 a year.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $818
• Drivers who choose higher $1,000 deductibles will pay around $1,230 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,360
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,608
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,922
• Policy cost with full coverage for a teen driver may cost $5,376 a year

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay 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 likely paying at a minimum $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $380 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Cadillac Escalade insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,940 on average in Michigan, New York, and Louisiana.

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 Affordable Cadillac Escalade Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief review of the information raised in the charts and tables above.

• You may be able to save as much as $150 per year just by quoting early and online
• Teen drivers pay higher rates, with premiums being up to $448 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $375 each year
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,560 more each year to insure their Escalade
• Policyholders who require more liability coverage will pay around $650 per year to go from a 30/60 limit to higher 250/500 limits