Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year including full coverage. Comprehensive costs on average $228 each year, collision costs $296, and liability is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing around $2,824. 16-year-old drivers cost the most to insure at $5,236 a year or more.

Average premium for full coverage: $1,316

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 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 can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $798
• Choosing higher $1,000 deductibles can save around $120 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,316
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,544
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,824 or more
• Policy cost that insures a 16-year-old driver may cost $5,236 each year

View Chart as Image

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

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

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 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 $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $350 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and rates will be varied.

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 takes avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The points below are a brief recap of the ideas that were illustrated above.

• Drivers under the age of 20 pay higher rates, with premiums being up to $436 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,510 more each year to insure a Cadillac Escalade
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• You may be able to save as much as $150 per year simply by quoting online in advance