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 including full coverage. Comprehensive insurance costs around $228 a year, collision costs $308, and liability is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance 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 for type of insurance:

Comprehensive $228
Collision $308
Liability $474

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Escalade EXT trim levels.

Price Range Variability

For the normal driver, Cadillac Escalade EXT insurance rates go from as cheap as $522 for the bare minimum liability coverage to a high of $2,508 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance rates.

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

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.

Additional Rate Information

The chart below breaks down estimated Cadillac Escalade EXT insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $696
  • Raising to $1,000 deductibles will save about $1,044 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,168
  • Choosing low $100 deductibles costs an additional $232 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,508 or more
  • Policy cost with full coverage for a 16-year-old driver can be $4,536

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

Auto insurance rates for a Cadillac Escalade EXT also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $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 likely paying at least $1,400 to $1,900 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $360 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Cadillac Escalade EXT insurance prices. A middle-age driver might find rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,670 on average in Michigan, New York, and Louisiana.

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

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.

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 Buy the Best Cadillac Escalade EXT Insurance

Finding cheaper rates on insurance for a Cadillac Escalade EXT consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the car insurance concepts presented in the illustrations above.

  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,340 more every year for auto insurance
  • You may be able to save up to $130 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $350 each year
  • Insureds who may need higher levels of liability will pay about $520 per year to raise from a 30/60 limit to higher 250/500 limits

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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