Cadillac Escalade ESV Insurance Rates

The average insurance rates for a Cadillac Escalade ESV are $1,252 a year for full coverage. Comprehensive insurance costs approximately $274 a year, collision costs $342, and liability coverage costs $478. Liability-only coverage costs as little as $526 a year, with high-risk coverage costing $2,682 or more. 16-year-old drivers cost the most to insure at $4,762 a year or more.

Average premium for full coverage: $1,252

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Escalade ESV trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location, rather than using rate averages.

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

Additional Rate Analysis

The chart below shows estimated Cadillac Escalade ESV insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $745
• Drivers who choose higher $1,000 deductibles will pay $1,112 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,252
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $268 each year
• High-risk insureds with multiple tickets or accidents could pay around $2,682 or more
• Policy cost that insures a teenage driver can cost $4,762 a year

View Chart as Image

Insurance rates for a Cadillac Escalade ESV also range considerably based on the trim level of your Escalade ESV, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,500 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state makes a big difference in Cadillac Escalade ESV insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,790 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $410 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every 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 the Right Cadillac Escalade ESV Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at least once a year by getting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a quick rundown of the primary concepts that were touched on in the above illustrations.

• Drivers can save around $150 per year simply by quoting early and online
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,430 more per year to insure their Escalade ESV
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teen drivers are the costliest to insure, costing up to $397 each month if comprehensive and collision insurance is included