Cadillac Escalade EXT Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 11, 2024
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The average insurance prices for a Cadillac Escalade EXT are $1,214 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $242, collision insurance costs $340, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,610 or more. Teens cost the most to insure at up to $4,682 a year.
Average premium for full coverage: $1,214
Policy rates by type of insurance:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Escalade EXT models.
Price Range Variability
For a driver around age 40, Cadillac Escalade EXT insurance rates range from the cheapest price of $522 for just the minimum liability insurance to the much higher price of $2,610 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above illustrate why everyone should compare rates using their specific location and their own driving history, rather than relying on averaged prices.
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 Rate Analysis
The chart below illustrates average Cadillac Escalade EXT insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $721
- Drivers who choose higher $1,000 deductibles will pay $132 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,214
- Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $254 a year
- High risk drivers with serious driving violations could pay around $2,610
- Policy cost to insure a teen driver for full coverage can cost $4,682 a year
Insurance rates for a Cadillac Escalade EXT also range considerably based on liability limits and deductibles, your risk profile, and the model of your Escalade EXT.
Choosing higher comprehensive and collision insurance deductibles could save up to $390 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Cadillac Escalade EXT insurance for high-risk drivers can cost anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Cadillac Escalade EXT insurance rates. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,640 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$116 | -9.6% |
| Alaska | $930 | -$284 | -23.4% |
| Arizona | $1,006 | -$208 | -17.1% |
| Arkansas | $1,214 | -$0 | 0.0% |
| California | $1,384 | $170 | 14.0% |
| Colorado | $1,158 | -$56 | -4.6% |
| Connecticut | $1,248 | $34 | 2.8% |
| Delaware | $1,374 | $160 | 13.2% |
| Florida | $1,518 | $304 | 25.0% |
| Georgia | $1,120 | -$94 | -7.7% |
| Hawaii | $872 | -$342 | -28.2% |
| Idaho | $820 | -$394 | -32.5% |
| Illinois | $904 | -$310 | -25.5% |
| Indiana | $912 | -$302 | -24.9% |
| Iowa | $820 | -$394 | -32.5% |
| Kansas | $1,154 | -$60 | -4.9% |
| Kentucky | $1,656 | $442 | 36.4% |
| Louisiana | $1,796 | $582 | 47.9% |
| Maine | $750 | -$464 | -38.2% |
| Maryland | $1,000 | -$214 | -17.6% |
| Massachusetts | $972 | -$242 | -19.9% |
| Michigan | $2,108 | $894 | 73.6% |
| Minnesota | $1,014 | -$200 | -16.5% |
| Mississippi | $1,454 | $240 | 19.8% |
| Missouri | $1,076 | -$138 | -11.4% |
| Montana | $1,304 | $90 | 7.4% |
| Nebraska | $956 | -$258 | -21.3% |
| Nevada | $1,456 | $242 | 19.9% |
| New Hampshire | $872 | -$342 | -28.2% |
| New Jersey | $1,356 | $142 | 11.7% |
| New Mexico | $1,076 | -$138 | -11.4% |
| New York | $1,278 | $64 | 5.3% |
| North Carolina | $700 | -$514 | -42.3% |
| North Dakota | $994 | -$220 | -18.1% |
| Ohio | $836 | -$378 | -31.1% |
| Oklahoma | $1,246 | $32 | 2.6% |
| Oregon | $1,112 | -$102 | -8.4% |
| Pennsylvania | $1,158 | -$56 | -4.6% |
| Rhode Island | $1,618 | $404 | 33.3% |
| South Carolina | $1,098 | -$116 | -9.6% |
| South Dakota | $1,024 | -$190 | -15.7% |
| Tennessee | $1,064 | -$150 | -12.4% |
| Texas | $1,464 | $250 | 20.6% |
| Utah | $898 | -$316 | -26.0% |
| Vermont | $832 | -$382 | -31.5% |
| Virginia | $726 | -$488 | -40.2% |
| Washington | $938 | -$276 | -22.7% |
| West Virginia | $1,112 | -$102 | -8.4% |
| Wisconsin | $842 | -$372 | -30.6% |
| Wyoming | $1,082 | -$132 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,192 | $99 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,214 | $101 |
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 | $266 | $410 | $474 | $1,308 |
| 2011 Cadillac Escalade EXT | $242 | $340 | $474 | $1,214 |
| 2010 Cadillac Escalade EXT | $228 | $308 | $474 | $1,168 |
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 Shop for the Cheapest Cadillac Escalade EXT Insurance
Finding cheaper rates on Cadillac Escalade EXT insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at least every other year by requesting quotes from direct insurance companies, and also from local insurance agencies.
The items below are a recap of the car insurance concepts covered above.
- High-risk drivers that have major violations or accidents may have to pay on average $1,400 more per year to insure their Escalade EXT
- It is possible to save around $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Drivers who purchase more liability coverage will pay approximately $520 annually to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $2,762 |
| 30 | $1,250 |
| 40 | $1,214 |
| 50 | $1,110 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,352 |
| $500 | $1,214 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,214 |
| 50/100 | $1,309 |
| 100/300 | $1,427 |
| 250/500 | $1,735 |
| 100 CSL | $1,356 |
| 300 CSL | $1,617 |
| 500 CSL | $1,807 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,634 |
| 20 | $4,404 |
| 30 | $2,648 |
| 40 | $2,610 |
| 50 | $2,492 |
| 60 | $2,466 |
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 | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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