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 an estimated $256 a year, collision costs $314, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,568 or more. Teenage drivers cost the most to insure at $4,602 a year or more.

Average premium for full coverage: $1,202

Policy rates broken down by type of insurance:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Escalade ESV trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Cadillac Escalade ESV insurance rates for other coverage scenarios.

• The best discount rate is $719
• Raising to $1,000 deductibles will save approximately $1,070 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,202
• Using low $100 deductibles will cost an extra $244 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,568 or more
• Policy cost for full coverage for a teen driver can cost as much as $4,602

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age

Your home state also has a big influence on Cadillac Escalade ESV insurance rates. A middle-age driver might find rates as low as $790 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,720 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $380 each year, while buying higher liability limits will increase premiums. Going 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 could be paying $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and 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 know which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance 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 More Affordable Cadillac Escalade ESV Insurance

Finding cheaper rates on Cadillac Escalade ESV insurance consists of having a good driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a summary of the data that was touched on above.

• Drivers can save approximately $140 per year simply by quoting early and online
• Drivers who want increased levels of liability coverage will pay an extra $520 each year to raise from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, costing up to $384 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay an average of $1,370 more annually to buy Cadillac Escalade ESV insurance