Cadillac Escalade Insurance Rates

Average insurance rates for a Cadillac Escalade are $1,316 a year for full coverage. Comprehensive insurance costs on average $228 a year, collision costs $296, and liability insurance is estimated at $592. A policy with just liability insurance costs approximately $652 a year, with coverage for high-risk drivers costing $2,824 or more. Teens receive the highest rates at $5,236 a year or more.

Average premium for full coverage: $1,316

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Escalade trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on car insurance rates.

These examples show why it is important to get quotes based on a specific location, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $798
• Choosing higher $1,000 deductibles can save around $1,196 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,316
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $228 a year
• High-risk insureds with serious driving violations could pay upwards of $2,824 or more
• The cost that insures a teen driver may cost $5,236 each year

View Chart as Image

Insurance rates for a Cadillac Escalade can also vary considerably based on the trim level of your Escalade, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 127% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac Escalade insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $350 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and rates can be significantly different.

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 More Affordable Cadillac Escalade Insurance

Saving money on Cadillac Escalade insurance takes having a decent driving record, having a good credit score, eliminating unneeded coverage, and insuring your home and auto with the same company. Compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a summary of the primary concepts that were covered in the above illustrations.

• Drivers can save as much as $150 per year simply by quoting early and online
• High-risk drivers who have multiple accidents or major violations may pay on average $1,510 more each year than a driver with a clean driving record
• Increasing deductibles can save approximately $350 each year
• 16 to 18-year-old drivers pay higher rates, costing as high as $436 per month if comprehensive and collision insurance is included