Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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Average auto insurance rates for a Cadillac Escalade EXT are $1,268 annually including full coverage. Comprehensive insurance costs around $260, collision costs $372, and liability is $478. Liability-only coverage costs around $526 a year, with high-risk coverage costing $2,726 or more. Teenage drivers receive the highest rates at $4,850 a year or more.
Average premium for full coverage: $1,268
Rate estimates for individual coverage type:
Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Escalade EXT trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $526 for a discount liability-only rate to a much higher rate of $2,726 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.
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.
Rates by State, City, and Model
The chart below breaks down estimated Cadillac Escalade EXT insurance rates for additional coverage choices and driver risks.
- The best discount rate is $747
- Raising to $1,000 deductibles will save about $144 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,268
- Using more expensive low deductibles costs an additional $274 every year
- At-risk drivers who are prone to accidents and violations could pay at least $2,726 or more
- The cost with full coverage for a teen driver with full coverage can be $4,850
Car insurance rates for a Cadillac Escalade EXT can also vary considerably based on the trim level of your Escalade EXT, your driving characteristics, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $420 every year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Cadillac Escalade EXT insurance prices. A middle-age driver might find rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$122 | -9.6% |
| Alaska | $970 | -$298 | -23.5% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,444 | $176 | 13.9% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,170 | -$98 | -7.7% |
| Hawaii | $908 | -$360 | -28.4% |
| Idaho | $858 | -$410 | -32.3% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,874 | $606 | 47.8% |
| Maine | $782 | -$486 | -38.3% |
| Maryland | $1,044 | -$224 | -17.7% |
| Massachusetts | $1,014 | -$254 | -20.0% |
| Michigan | $2,202 | $934 | 73.7% |
| Minnesota | $1,060 | -$208 | -16.4% |
| Mississippi | $1,516 | $248 | 19.6% |
| Missouri | $1,124 | -$144 | -11.4% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,520 | $252 | 19.9% |
| New Hampshire | $912 | -$356 | -28.1% |
| New Jersey | $1,416 | $148 | 11.7% |
| New Mexico | $1,120 | -$148 | -11.7% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,036 | -$232 | -18.3% |
| Ohio | $876 | -$392 | -30.9% |
| Oklahoma | $1,302 | $34 | 2.7% |
| Oregon | $1,160 | -$108 | -8.5% |
| Pennsylvania | $1,210 | -$58 | -4.6% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,146 | -$122 | -9.6% |
| South Dakota | $1,068 | -$200 | -15.8% |
| Tennessee | $1,112 | -$156 | -12.3% |
| Texas | $1,528 | $260 | 20.5% |
| Utah | $938 | -$330 | -26.0% |
| Vermont | $868 | -$400 | -31.5% |
| Virginia | $758 | -$510 | -40.2% |
| Washington | $978 | -$290 | -22.9% |
| West Virginia | $1,160 | -$108 | -8.5% |
| Wisconsin | $878 | -$390 | -30.8% |
| Wyoming | $1,130 | -$138 | -10.9% |
With so much variability in rates, the best way to figure out your exact price is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,246 | $104 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,268 | $106 |
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 | $288 | $440 | $474 | $1,360 |
| 2011 Cadillac Escalade EXT | $260 | $372 | $478 | $1,268 |
| 2010 Cadillac Escalade EXT | $242 | $340 | $474 | $1,214 |
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 Low Cost Cadillac Escalade EXT Insurance
Saving money on car insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every couple of years by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a review of the material that was touched on above.
- Policyholders who may need more liability coverage will pay an extra $530 per year to raise from a minimum limit to higher 250/500 limits
- Teen drivers are the costliest to insure, as much as $404 per month if comprehensive and collision insurance is included
- Higher risk drivers who have several accidents or serious violations may pay on average $1,460 more every year to insure their Escalade EXT
- Increasing deductibles could save up to $425 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,850 |
| 20 | $2,886 |
| 30 | $1,308 |
| 40 | $1,268 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,542 |
| $250 | $1,416 |
| $500 | $1,268 |
| $1,000 | $1,124 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,364 |
| 100/300 | $1,483 |
| 250/500 | $1,794 |
| 100 CSL | $1,411 |
| 300 CSL | $1,674 |
| 500 CSL | $1,866 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,884 |
| 20 | $4,598 |
| 30 | $2,768 |
| 40 | $2,726 |
| 50 | $2,602 |
| 60 | $2,574 |
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 | $67 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $89 |
| Total Discounts | $521 |
Discounts are estimated and may not be available from every company or in every state.
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