Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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The average auto insurance rates for a Cadillac Escalade EXT are $1,268 annually including full coverage. Comprehensive costs around $260, collision insurance costs $372, and liability coverage is estimated at $478. Liability-only insurance costs approximately $526 a year, and high-risk driver insurance costs around $2,726. Teenage drivers cost the most to insure at up to $4,850 a year.
Average premium for full coverage: $1,268
Policy rates for type of insurance:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Escalade EXT models.
Price Range Variability
For a 40-year-old driver, Cadillac Escalade EXT insurance rates range from as cheap as $526 for liability-only coverage to the much higher price of $2,726 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.
The examples above highlight why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down average Cadillac Escalade EXT insurance rates for additional coverage choices and driver risks.
- The best discount rate is $747
- Choosing higher $1,000 deductibles can save about $144 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,268
- Using pricier low deductibles for comp and collision coverage will cost $1,542
- Drivers who are prone to accidents and violations could pay at least $2,726
- Policy cost with full coverage for a teenage driver for full coverage can be $4,850 each year
Auto insurance rates for a Cadillac Escalade EXT also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,500 to $2,100 in extra premium every year, depending on your age. Cadillac Escalade EXT insurance for high-risk drivers ranges around 43% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $420 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Cadillac Escalade EXT insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$122 | -9.6% |
| Alaska | $970 | -$298 | -23.5% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,444 | $176 | 13.9% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,170 | -$98 | -7.7% |
| Hawaii | $908 | -$360 | -28.4% |
| Idaho | $858 | -$410 | -32.3% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,874 | $606 | 47.8% |
| Maine | $782 | -$486 | -38.3% |
| Maryland | $1,044 | -$224 | -17.7% |
| Massachusetts | $1,014 | -$254 | -20.0% |
| Michigan | $2,202 | $934 | 73.7% |
| Minnesota | $1,060 | -$208 | -16.4% |
| Mississippi | $1,516 | $248 | 19.6% |
| Missouri | $1,124 | -$144 | -11.4% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,520 | $252 | 19.9% |
| New Hampshire | $912 | -$356 | -28.1% |
| New Jersey | $1,416 | $148 | 11.7% |
| New Mexico | $1,120 | -$148 | -11.7% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,036 | -$232 | -18.3% |
| Ohio | $876 | -$392 | -30.9% |
| Oklahoma | $1,302 | $34 | 2.7% |
| Oregon | $1,160 | -$108 | -8.5% |
| Pennsylvania | $1,210 | -$58 | -4.6% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,146 | -$122 | -9.6% |
| South Dakota | $1,068 | -$200 | -15.8% |
| Tennessee | $1,112 | -$156 | -12.3% |
| Texas | $1,528 | $260 | 20.5% |
| Utah | $938 | -$330 | -26.0% |
| Vermont | $868 | -$400 | -31.5% |
| Virginia | $758 | -$510 | -40.2% |
| Washington | $978 | -$290 | -22.9% |
| West Virginia | $1,160 | -$108 | -8.5% |
| Wisconsin | $878 | -$390 | -30.8% |
| Wyoming | $1,130 | -$138 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,246 | $104 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,268 | $106 |
Rates assume 2011 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Cadillac Escalade EXT | $288 | $440 | $474 | $1,360 |
| 2011 Cadillac Escalade EXT | $260 | $372 | $478 | $1,268 |
| 2010 Cadillac Escalade EXT | $242 | $340 | $474 | $1,214 |
Rates are averaged for all Cadillac Escalade EXT models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Cadillac Escalade EXT Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a quick review of the primary concepts that were illustrated above.
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- Drivers with a DUI or reckless driving violation may pay on average $1,460 more every year to insure a Cadillac Escalade EXT
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Drivers under the age of 20 are expensive to insure, with premiums being up to $404 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,850 |
| 20 | $2,886 |
| 30 | $1,308 |
| 40 | $1,268 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,542 |
| $250 | $1,416 |
| $500 | $1,268 |
| $1,000 | $1,124 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,364 |
| 100/300 | $1,483 |
| 250/500 | $1,794 |
| 100 CSL | $1,411 |
| 300 CSL | $1,674 |
| 500 CSL | $1,866 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,884 |
| 20 | $4,598 |
| 30 | $2,768 |
| 40 | $2,726 |
| 50 | $2,602 |
| 60 | $2,574 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $89 |
| Total Discounts | $521 |
Discounts are estimated and may not be available from every company or in every state.
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