Cadillac Escalade Insurance Rates

Estimated insurance rates for a Cadillac Escalade are $1,360 a year for full coverage. Comprehensive insurance costs approximately $242 a year, collision costs $326, and liability coverage costs around $592. Liability-only insurance costs as low as $652 a year, with high-risk driver insurance costing $2,922 or more. Teenage drivers pay the most at $5,376 a year or more.

Average premium for full coverage: $1,360

Premium estimates by type of coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Escalade trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why it is important to compare prices using their specific location, rather than using average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $818
• Using higher $1,000 deductibles will save $1,230 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,360
• Using low $100 deductibles for physical damage coverage will cost an additional $248 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,922 or more
• An auto insurance policy that insures a teenage driver can cost $5,376 or more

View Chart as Image

Insurance prices for a Cadillac Escalade also have a wide range based on the trim level of your Escalade, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Cadillac Escalade insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,940 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $380 a year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, and prices will be substantially 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 the Right Cadillac Escalade Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every other policy renewal by getting quotes from direct carriers, and also from insurance agencies where you live.

The points below are a quick rundown of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are the costliest to insure, as much as $448 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,560 more per year to insure a Cadillac Escalade
• Increasing policy deductibles can save approximately $375 each year
• Drivers can save around $150 per year simply by quoting early and online