Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,316 annually including full coverage. Comprehensive costs around $228 a year, collision costs $296, and liability coverage costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing around $2,824. Teen drivers cost the most to insure at $5,236 a year or more.

Average premium for full coverage: $1,316

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, 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 has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare rates for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $798
• Drivers who choose higher $1,000 deductibles will pay about $1,196 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,316
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,544
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,824 or more
• Policy cost with full coverage for a teenage driver can be $5,236 a year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $5,200 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 least $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $350 a year, while buying higher liability limits will increase rates. Changing 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 makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every 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 Cheaper Cadillac Escalade Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the data covered above.

• Consumers who may need increased liability limits will pay about $650 per year to go from a 30/60 limit to higher 250/500 limits
• You may be able to save up to $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers under the age of 20 are the costliest to insure, with premiums being up to $436 each month if comprehensive and collision insurance is included