Cadillac Escalade ESV Insurance Rates

The average insurance rates for a Cadillac Escalade ESV are $1,202 a year including full coverage. Comprehensive costs an estimated $256, collision costs $314, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,568. 16-year-old drivers cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,202

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Escalade ESV trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $719
• Using higher $1,000 deductibles will save approximately $132 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,202
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,446
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,568 or more
• Policy cost that insures a teenage driver with full coverage can cost as much as $4,602 or more

View Chart as Image

Insurance rates for a Cadillac Escalade ESV 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 $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be around 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state has a huge impact on Cadillac Escalade ESV insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,720 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $380 a year, 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 $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2012 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 Cheaper Cadillac Escalade ESV Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the car insurance concepts touched on in this article.

• Drivers with multiple at-fault accidents could be charged and average of $1,370 more annually to insure a Cadillac Escalade ESV
• You may be able to save approximately $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Consumers who want increased liability limits will pay around $520 per year to increase from a 30/60 limit to the 250/500 level