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 $1,168 annually for full coverage insurance. Comprehensive insurance costs on average $228, collision costs $308, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,508 or more. Teen drivers cost the most to insure at $4,536 a year or more.
Average premium for full coverage: $1,168
Policy rates by type of insurance:
Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Escalade EXT trim levels.
Price Range Variability
For the normal driver, Cadillac Escalade EXT insurance rates go from as cheap as $522 for basic liability insurance to a much higher rate of $2,508 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how geographic area affects car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on price averages.
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.
Rate Comparisons
The chart below illustrates estimated Cadillac Escalade EXT insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $696
- Using higher $1,000 deductibles will save around $124 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,168
- Choosing more expensive low deductibles for physical damage coverage costs an additional $232 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,508 or more
- Policy cost with full coverage for a teen driver with full coverage may cost $4,536 or more
Insurance rates for a Cadillac Escalade EXT also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can be anywhere from 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $360 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac Escalade EXT insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,580 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,056 | -$112 | -9.6% |
| Alaska | $894 | -$274 | -23.5% |
| Arizona | $968 | -$200 | -17.1% |
| Arkansas | $1,168 | -$0 | 0.0% |
| California | $1,332 | $164 | 14.0% |
| Colorado | $1,116 | -$52 | -4.5% |
| Connecticut | $1,200 | $32 | 2.7% |
| Delaware | $1,322 | $154 | 13.2% |
| Florida | $1,462 | $294 | 25.2% |
| Georgia | $1,076 | -$92 | -7.9% |
| Hawaii | $840 | -$328 | -28.1% |
| Idaho | $788 | -$380 | -32.5% |
| Illinois | $870 | -$298 | -25.5% |
| Indiana | $878 | -$290 | -24.8% |
| Iowa | $788 | -$380 | -32.5% |
| Kansas | $1,110 | -$58 | -5.0% |
| Kentucky | $1,592 | $424 | 36.3% |
| Louisiana | $1,726 | $558 | 47.8% |
| Maine | $720 | -$448 | -38.4% |
| Maryland | $962 | -$206 | -17.6% |
| Massachusetts | $934 | -$234 | -20.0% |
| Michigan | $2,030 | $862 | 73.8% |
| Minnesota | $976 | -$192 | -16.4% |
| Mississippi | $1,398 | $230 | 19.7% |
| Missouri | $1,036 | -$132 | -11.3% |
| Montana | $1,254 | $86 | 7.4% |
| Nebraska | $922 | -$246 | -21.1% |
| Nevada | $1,400 | $232 | 19.9% |
| New Hampshire | $840 | -$328 | -28.1% |
| New Jersey | $1,304 | $136 | 11.6% |
| New Mexico | $1,036 | -$132 | -11.3% |
| New York | $1,230 | $62 | 5.3% |
| North Carolina | $672 | -$496 | -42.5% |
| North Dakota | $956 | -$212 | -18.2% |
| Ohio | $804 | -$364 | -31.2% |
| Oklahoma | $1,200 | $32 | 2.7% |
| Oregon | $1,068 | -$100 | -8.6% |
| Pennsylvania | $1,114 | -$54 | -4.6% |
| Rhode Island | $1,558 | $390 | 33.4% |
| South Carolina | $1,058 | -$110 | -9.4% |
| South Dakota | $986 | -$182 | -15.6% |
| Tennessee | $1,024 | -$144 | -12.3% |
| Texas | $1,408 | $240 | 20.5% |
| Utah | $864 | -$304 | -26.0% |
| Vermont | $800 | -$368 | -31.5% |
| Virginia | $698 | -$470 | -40.2% |
| Washington | $904 | -$264 | -22.6% |
| West Virginia | $1,068 | -$100 | -8.6% |
| Wisconsin | $810 | -$358 | -30.7% |
| Wyoming | $1,040 | -$128 | -11.0% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,148 | $96 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,168 | $97 |
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 | $260 | $372 | $478 | $1,268 |
| 2011 Cadillac Escalade EXT | $228 | $308 | $474 | $1,168 |
| 2010 Cadillac Escalade EXT | $220 | $278 | $468 | $1,124 |
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 Cadillac Escalade EXT Insurance
Finding cheaper rates on Cadillac Escalade EXT insurance requires having a good driving record, having a good credit history, being claim-free, and bundling your home and auto policies. Invest the time to compare rates every year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a brief recap of the coverage data presented in the illustrations above.
- It is possible to save as much as $130 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $350 each year
- Drivers age 20 and younger pay the highest rates, possibly costing $378 each month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations may pay on average $1,340 more each year to buy Cadillac Escalade EXT insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,536 |
| 20 | $2,656 |
| 30 | $1,200 |
| 40 | $1,168 |
| 50 | $1,068 |
| 60 | $1,046 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,400 |
| $250 | $1,294 |
| $500 | $1,168 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,168 |
| 50/100 | $1,263 |
| 100/300 | $1,381 |
| 250/500 | $1,689 |
| 100 CSL | $1,310 |
| 300 CSL | $1,571 |
| 500 CSL | $1,761 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,420 |
| 20 | $4,234 |
| 30 | $2,542 |
| 40 | $2,508 |
| 50 | $2,396 |
| 60 | $2,372 |
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 | $61 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $81 |
| Total Discounts | $472 |
Discounts are estimated and may not be available from every company or in every state.
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