Cadillac Escalade ESV Insurance Rates

The average insurance prices for a Cadillac Escalade ESV are $1,202 every 12 months with full coverage. Comprehensive insurance costs approximately $256 a year, collision insurance costs $314, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,568 or more. Teenage drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Escalade ESV trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below details average Cadillac Escalade ESV insurance rates for additional coverage and risk scenarios.

• The best discount rate is $719
• Using higher $1,000 deductibles will save $1,070 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,202
• Using low $100 deductibles for physical damage coverage costs an extra $244 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,568
• Policy cost to insure a teenage driver can cost $4,602 or more

View Chart as Image

Insurance rates for a Cadillac Escalade ESV also range considerably based on liability limits and deductibles, your driving record, and the model of your Escalade ESV.

Using high physical damage deductibles could cut rates by as much as $380 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac Escalade ESV insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,620 on average in New York, Michigan, and Florida.

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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 Shop for More Affordable Cadillac Escalade ESV Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from insurance agencies where you live.

The following is a summary of the material that was illustrated above.

• Consumers who purchase higher liability limits will pay an extra $520 every year to increase from a 30/60 limit to a 250/500 level
• Teens are the costliest to insure, as much as $384 each month if full coverage is included
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,370 more per year for Escalade ESV insurance
• Increasing comprehensive and collision deductibles could save as much as $375 each year