Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,316 annually including full coverage. Comprehensive costs approximately $228, collision costs $296, and liability coverage is estimated at $592. Liability-only insurance costs approximately $652 a year, with high-risk driver 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 by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical 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 has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how your location can change auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Cadillac Escalade insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $798
• Choosing higher $1,000 deductibles can save $120 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,316
• Choosing more expensive low deductibles for comp and collision coverage will cost $1,544
• Drivers with multiple violations and an at-fault accident could pay around $2,824 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost $5,236 each year

View Chart as Image

Auto insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges around 42% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $350 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and quoted rates will be varied between companies.

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 Buy the Best Cheap Cadillac Escalade Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to shop around every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a quick review of the material that was illustrated above.

• Consumers who purchase additional liability coverage will pay about $650 per year to raise limits from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $436 each month if full coverage is included
• Drivers with a DUI or reckless driving violation may have to pay on average $1,510 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $350 each year