Cadillac Escalade ESV Insurance Rates

The average insurance rates for a Cadillac Escalade ESV are $1,292 a year with full coverage. Comprehensive costs on average $282, collision costs $378, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,768. 16-year-old drivers cost the most to insure at $4,890 a year or more.

Average premium for full coverage: $1,292

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Escalade ESV trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below details estimated Cadillac Escalade ESV insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $764
• Raising to $1,000 deductibles will save around $152 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,292
• Buying more expensive low deductibles will increase the cost to $1,580
• Drivers with multiple tickets or accidents could pay upwards of $2,768 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,890

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state also has a big influence on Cadillac Escalade ESV insurance prices. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $440 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the 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 Cheap Cadillac Escalade ESV Insurance

Finding cheaper rates on insurance for a Cadillac Escalade ESV consists of avoiding accidents and claims, maintaining good credit, not filing small claims, and bundling your home and auto policies. Make time to compare rates every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a brief summary of the information touched on in this article.

• You may be able to save as much as $150 per year simply by shopping early and online
• Drivers under the age of 20 pay the highest rates, as much as $408 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $450 each year
• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,480 more each year to insure a Cadillac Escalade ESV
• Insureds who require increased liability limits will pay around $520 every year to raise from a 30/60 limit to 250/500 limits