Cadillac Escalade ESV Insurance Rates

The average insurance rates for a Cadillac Escalade ESV are $1,202 a year for full coverage. Comprehensive insurance costs around $256, collision insurance costs $314, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,568 or more. 16-year-old drivers 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:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Escalade ESV trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $719
• Using higher $1,000 deductibles will save about $132 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,202
• Buying more expensive low deductibles for physical damage coverage will cost an additional $244 every year
• Drivers with multiple tickets or accidents 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, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance can be as much as 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 pay as little as $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 as much as $4,600 a year. View Rates by Age

Your home state has a huge impact on Cadillac Escalade ESV insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,720 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $380 every year, while increasing your policy's liability limits will increase rates. Going 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

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 Affordable Cadillac Escalade ESV Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop once a year by getting quotes from direct carriers, and also from several local insurance agents.

The following list is a brief review of the data that was raised in the charts and tables above.

• Drivers can save up to $140 per year just by shopping early and online
• Policyholders who may need an increased level of liability coverage will pay around $520 each year to increase from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are charged the highest rates, costing up to $384 each month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,370 more every year than a safer driver