Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year with full coverage. Comprehensive costs approximately $228, collision costs $296, and liability insurance costs $592. Buying just liability costs as little as $652 a year, with insurance for high-risk drivers costing around $2,824. Teens 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:

Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why everyone should compare rates using their specific location, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details estimated Cadillac Escalade insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $798
• Drivers who choose higher $1,000 deductibles will pay $120 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,316
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,544
• High risk drivers with serious driving violations could pay around $2,824 or more
• Policy cost that insures a teen driver for full coverage can cost $5,236 a year

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on the model of your Escalade, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,500 to $2,200 extra every year, depending on your age. Cadillac Escalade insurance for high-risk drivers can cost anywhere from 42% to 127% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $350 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so the 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 Cheapest Cadillac Escalade Insurance

Finding cheaper rates on Cadillac Escalade insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates once a year by requesting quotes from direct companies, and also from local insurance agencies.

The points below are a recap of the data that was covered in the charts and tables above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Drivers who purchase increased liability limits will pay approximately $650 every year to go from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, as much as $436 each month if full coverage is included
• High-risk drivers that have major violations or accidents may have to pay on average $1,510 more per year to insure a Cadillac Escalade