Cadillac Escalade Insurance Rates

Average insurance prices for a Cadillac Escalade are $1,316 every 12 months with full coverage. Comprehensive costs around $228 each year, collision costs $296, and liability is estimated at $592. A policy with just liability insurance costs approximately $652 a year, with coverage for high-risk drivers costing around $2,824. Teenage drivers receive the highest rates at $5,236 a year or more.

Average premium for full coverage: $1,316

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than densely populated cities.

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

These examples demonstrate why all drivers should get quotes for a specific zip code and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below details estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.

• The best discount rate is $798
• Choosing higher $1,000 deductibles can save about $120 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,316
• Using low deductibles for comp and collision coverage increases the price to $1,544
• Unlucky drivers who are prone to accidents and violations could pay at least $2,824 or more
• The cost to insure a teen driver can be $5,236 each year

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Insurance rates for a Cadillac Escalade can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $350 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,500 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates can be significantly 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 Shop for the Right Cadillac Escalade Insurance

Saving money on car insurance takes avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a quick rundown of the data that was covered above.

• You may be able to save up to $150 per year simply by quoting online in advance
• Policyholders who may need higher liability limits will pay an extra $650 every year to raise limits from a minimum limit to a 250/500 level
• Teenagers are charged the highest rates, with premiums as much as $436 per month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,510 more every year for car insurance