Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,316 a year including full coverage. Comprehensive insurance costs an estimated $228, collision insurance costs $296, and liability is estimated at $592. Liability-only coverage costs approximately $652 a year, and high-risk coverage costs $2,824 or more. Teenage drivers cost the most to insure at up to $5,236 a year.

Average premium for full coverage: $1,316

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below breaks down average Cadillac Escalade insurance rates for other coverage scenarios.

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save approximately $120 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,316
• Using more expensive low deductibles for comp and collision coverage will cost an additional $228 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,824
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,236 each year

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges from 42% to 127% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $350 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more each year. View Rates by Deductible or Liability Limit

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 insurance for a Cadillac Escalade takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a summary of the car insurance concepts touched on above.

• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,510 more annually for auto insurance
• You may be able to save approximately $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Insureds who want higher levels of liability will pay an extra $650 per year to raise limits from a 30/60 limit to the 250/500 level