Cadillac Escalade ESV Insurance Rates

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

Average premium for full coverage: $1,202

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Escalade ESV models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

The examples above illustrate why everyone should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $719
• Drivers who choose higher $1,000 deductibles will pay about $132 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,202
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,446
• High risk drivers who are prone to accidents and violations could pay at least $2,568 or more
• Policy cost for full coverage for a teen driver for full coverage can be $4,602 a year

View Chart as Image

Insurance rates for a Cadillac Escalade ESV also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,600 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 $790 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,620 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $380 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,400 to $2,000 additional every year, depending on your age. Cadillac Escalade ESV insurance for high-risk drivers can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Cadillac Escalade ESV insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and taking advantage of discounts. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the material that was touched on above.

• Drivers who may need additional liability coverage will pay an extra $520 annually to go from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $384 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,370 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $375 each year