Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year including full coverage. Comprehensive costs around $228, 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:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Escalade models.

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 a lower frequency of comprehensive and collision claims than larger metro areas.

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

The examples above highlight why everyone should compare rates for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Information

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 $120 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,316
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,544
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,824 or more
• Policy cost for full coverage for a teenage driver for full coverage can be $5,236 a year

View Chart as Image

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

A more mature driver with no driving violations and high 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 good drivers will be charged as much as $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 $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

Choosing high deductibles could save up to $350 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,200 extra every year, depending on your age. Cadillac Escalade insurance for high-risk drivers can cost around 42% to 127% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations pay on average $1,510 more every year for Escalade insurance
• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $350 each year
• Consumers who may need higher liability limits will pay about $650 per year to go from a 30/60 limit to 250/500 limits