Cadillac Escalade ESV Insurance Rates

The average insurance rates for a Cadillac Escalade ESV are $1,202 a year including full coverage. Comprehensive costs around $256, collision insurance costs $314, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,568. Teens cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,202

Policy rates for type of insurance:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM 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 significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on averaged prices.

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

More Rate Details

The chart below breaks down average Cadillac Escalade ESV insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $719
• Using higher $1,000 deductibles will save about $132 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,202
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,446
• Drivers with serious driving violations could pay at least $2,568
• Policy cost that insures a teen driver with full coverage can be $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 deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $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 Missouri, New Hampshire, and Vermont, or have to pay at least $1,720 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $380 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

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 Cheap Cadillac Escalade ESV Insurance

Finding cheaper rates on Cadillac Escalade ESV insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a brief summary of the ideas that were covered in the charts and tables above.

• Drivers under the age of 20 pay higher rates, with premiums being up to $384 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,370 more every year to insure a Cadillac Escalade ESV
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• You may be able to save up to $140 per year just by shopping early and online