Cadillac Escalade Insurance Rates

Estimated auto insurance rates for a Cadillac Escalade are $1,360 annually for full coverage insurance. Comprehensive costs around $242 a year, collision insurance costs $326, and liability is $592. A policy with only liability insurance costs around $652 a year, and a high-risk policy costs around $2,922. Teenage drivers pay the most at up to $5,376 a year.

Average premium for full coverage: $1,360

Premium estimates for type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Escalade trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates average Cadillac Escalade insurance rates for additional coverage choices and driver risks.

• The best discount rate is $818
• Raising to $1,000 deductibles will save about $1,230 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,360
• Using low $100 deductibles will cost $1,608
• Drivers who are prone to accidents and violations could pay at least $2,922
• An auto insurance policy with full coverage for a 16-year-old driver can be $5,376

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Car insurance prices for a Cadillac Escalade also have a wide range based on the model of your Escalade, your risk profile, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $380 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Cadillac Escalade insurance prices. A middle-age driver might find prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,830 on average in Michigan, New York, and Florida.

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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 the Best Cadillac Escalade Insurance

Finding better rates on insurance for a Cadillac Escalade consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from several local insurance agents.

The following items are a brief recap of the information raised in the charts and tables above.

• It is possible to save up to $150 per year just by quoting early and online
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $448 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $375 each year
• Drivers considered higher risk who tend to receive serious violations pay on average $1,560 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay an extra $650 annually to raise from 30/60 bodily injury limits to higher 250/500 limits