Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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Estimated insurance rates for a Cadillac Escalade EXT are $1,214 a year with full coverage. Comprehensive insurance costs on average $242, collision insurance costs $340, and liability costs around $474. Liability-only insurance costs as low as $522 a year, and high-risk driver insurance costs $2,610 or more. 16-year-old drivers pay the most at up to $4,682 a year.
Average premium for full coverage: $1,214
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different Escalade EXT trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac Escalade EXT range from as low as $522 for just the minimum liability insurance to a much higher rate of $2,610 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices 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.
Additional Rate Analysis
The chart below details average Cadillac Escalade EXT insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $721
- Using higher $1,000 deductibles will save around $132 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,214
- Buying more expensive low deductibles for physical damage coverage will cost an extra $254 annually
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,610
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $4,682 or more
Insurance prices for a Cadillac Escalade EXT also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $4,600 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac Escalade EXT insurance prices. A driver around age 40 might see prices as low as $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,640 on average in Florida, Michigan, and New York.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $390 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can be from 43% to 129% more than the average rate. View High Risk Driver Rates
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 Find More Affordable Cadillac Escalade EXT Insurance
Finding better rates on insurance for a Cadillac Escalade EXT requires being a good driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following list is a summary of the data that was covered above.
- You may be able to save as much as $140 per year just by shopping early and online
- Insureds who require an increased level of liability coverage will pay around $520 every year to increase from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 pay higher prices, possibly costing $390 per month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,400 more each year than a safer driver
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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