Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,360 a year including full coverage. Comprehensive costs on average $242, collision costs $326, and liability costs around $592. Liability-only coverage costs as low as $652 a year, with high-risk coverage costing around $2,922. Teen drivers cost the most to insure at $5,376 a year or more.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $818
• Using higher $1,000 deductibles will save around $130 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,360
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,608
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,922 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,376 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state has a huge impact on Cadillac Escalade insurance prices. A driver around age 40 might see rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $380 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each year. 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 a minimum $1,600 to $2,300 additional every year, depending on your age. Cadillac Escalade insurance for high-risk drivers can be from 43% to 131% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates 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 insurance for a Cadillac Escalade requires not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a summary of the information raised in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Teens pay higher rates, with premiums being up to $448 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $375 each year
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,560 more each year for Escalade insurance
• Insureds who require higher liability limits will pay about $650 per year to increase from a 30/60 limit to 250/500 limits