Cadillac Escalade EXT Insurance Rates

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UPDATED: May 11, 2024

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The average insurance rates for a Cadillac Escalade EXT are $1,168 a year for full coverage. Comprehensive insurance costs on average $228 a year, collision costs $308, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,508 or more. 16-year-old 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:

Comprehensive $228
Collision $308
Liability $474

These estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Escalade EXT trim levels.

Price Range Variability

For a 40-year-old driver, Cadillac Escalade EXT insurance rates go from as low as $522 for just liability coverage to a high of $2,508 for high-risk insurance.

Liability Only $522
Full Coverage $1,168
High Risk $2,508

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities.

The diagram below illustrates how your location can change car insurance rates.

Rural Areas $876
Small Cities $1,226
Large Cities $1,577

The examples above show why it is important to get quotes based on a specific location and risk profile, rather than using rate 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.

Detailed Rate Analysis

The chart below shows estimated Cadillac Escalade EXT insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $696
  • Choosing higher $1,000 deductibles can save around $1,044 a year
  • The average rate for a good driver age 40 with $500 deductibles is $1,168
  • Buying low $100 deductibles for comp and collision coverage will cost an extra $232 each year
  • Drivers with multiple tickets or accidents could pay upwards of $2,508 or more
  • Policy cost for full coverage for a teenage driver may cost $4,536 each year

View Chart as Image

Cadillac Escalade EXT insurance cost comparison chart
Column chart showing full coverage Cadillac Escalade EXT insurance prices range from $696 to $4,536

Car insurance rates for a Cadillac Escalade EXT also range considerably based on your risk profile, the trim level of your Escalade EXT, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age

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 $770 a year in states like Idaho, Maine, and Iowa, or at least $1,670 on average in Michigan, Louisiana, and New York.

Cadillac Escalade EXT Insurance Rates by State
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%

View Chart as Image

Cadillac Escalade EXT insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $360 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. 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 at a minimum $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 134% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Cadillac Escalade EXT Insurance Rates by Model and Trim Level
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.

Cadillac Escalade EXT Insurance Rates by Model Year
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 Find Cheap Cadillac Escalade EXT Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a brief summary of the material that was illustrated above.

  • Consumers who require increased levels of liability coverage will pay around $520 each year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers age 20 and younger are expensive to insure, costing up to $378 each month if full coverage is included
  • Drivers that tend to have accidents or serious violations will pay on average $1,340 more each year to buy Cadillac Escalade EXT insurance
  • Increasing comprehensive and collision deductibles can save around $350 each year

Rates by Driver Age

Cadillac Escalade EXT Insurance 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

Cadillac Escalade EXT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,400
$250 $1,294
$500 $1,168
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade EXT Insurance Rates with Different Liability Limits
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

Cadillac Escalade EXT Insurance 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.

SR-22 Surcharge $157

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
Rate after discounts $696

Discounts are estimated and may not be available from every company or in every state.

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