Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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U.S. average insurance rates for a Cadillac Escalade EXT are $1,168 a year for full coverage insurance. Comprehensive insurance costs on average $228, collision costs $308, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,508 or more. 16-year-old drivers pay the highest rates at $4,536 a year or more.
Average premium for full coverage: $1,168
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Escalade EXT models.
Price Range from Low to High
For the average 40-year-old driver, Cadillac Escalade EXT insurance prices go from as low as $522 for basic liability insurance to the much higher price of $2,508 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities.
The example below illustrates the difference location can make on car insurance rates.
The ranges above illustrate why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on 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.
Rate Comparisons
The chart below illustrates 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 $124 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,168
- Buying pricier low deductibles for comp and collision coverage will cost an extra $232 annually
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,508 or more
- The price for full coverage for a 16-year-old driver for full coverage may cost $4,536 each year
Car insurance prices for a Cadillac Escalade EXT are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age
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 $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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% |
Opting for high physical damage deductibles can save as much as $360 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Cadillac Escalade EXT insurance for high-risk drivers ranges from 42% to 134% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different from one company to the next.
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 Find Cheaper Cadillac Escalade EXT Insurance
Getting lower rates on insurance for a Cadillac Escalade EXT takes having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates once a year by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a condensed summary of the data that was touched on in this article.
- It is possible to save as much as $130 per year simply by quoting online well ahead of the renewal date
- Insureds who require additional liability coverage will pay around $520 annually to raise limits from a low limit to 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, as much as $378 a month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,340 more each year than a driver with a clean driving record
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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