Cadillac Escalade EXT Insurance Rates
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Michelle Robbins
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UPDATED: May 11, 2024
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U.S. average insurance prices for a Cadillac Escalade EXT are $1,214 every 12 months for full coverage insurance. Comprehensive costs on average $242 each year, collision costs $340, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,610. Teens pay the highest rates at $4,682 a year or more.
Average premium for full coverage: $1,214
Price estimates by individual coverage:
These estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Escalade EXT models.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac Escalade EXT insurance prices go from the cheapest price of $522 for minimum levels of liability insurance to a high rate of $2,610 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why all drivers should get quotes based on a specific location and their own driving history, instead of using 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 Details
The chart below illustrates estimated Cadillac Escalade EXT insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $721
- Choosing higher $1,000 deductibles can save around $132 each year
- The average price for the average middle-age driver with $500 deductibles is $1,214
- Selecting low deductibles for comp and collision coverage increases the price to $1,468
- Unlucky drivers with serious driving violations could pay upwards of $2,610 or more
- The price to insure a teen driver may cost $4,682 each year
Auto insurance prices for a Cadillac Escalade EXT are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Escalade EXT.
Choosing higher comprehensive and collision insurance deductibles can save as much as $390 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Cadillac Escalade EXT insurance prices. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,640 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices may be quite different.
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 Cheap Cadillac Escalade EXT Insurance
Getting lower rates on car insurance takes having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Set aside time to shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the material that was raised in the charts and tables above.
- Policyholders who require increased levels of liability coverage will pay approximately $520 annually to raise limits from a low limit to a 250/500 level
- Drivers age 20 and younger are charged the highest prices, as much as $390 a month if comprehensive and collision insurance is included
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,400 more each year to buy Cadillac Escalade EXT insurance
- Increasing physical damage deductibles could save as much as $375 each year
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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