Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,360 a year for full coverage insurance. Comprehensive costs approximately $242 a year, collision costs $326, and liability costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing around $2,922. Teens cost the most to insure at $5,376 a year or more.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and risk profile, instead of using averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated Cadillac Escalade insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $818
• Using higher $1,000 deductibles will save $1,230 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,360
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,608
• Drivers with serious driving violations could pay around $2,922 or more
• Policy cost for full coverage for a teen driver can cost $5,376 or more

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state has a huge impact on Cadillac Escalade insurance prices. A driver around age 40 might see rates as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,830 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $380 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Cadillac Escalade Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the data that was touched on in the above illustrations.

• It is possible to save around $150 per year simply by quoting early and online
• Policyholders who purchase higher liability limits will pay approximately $650 annually to increase from a 30/60 limit to 250/500 limits
• Teenagers are expensive to insure, possibly costing $448 each month for full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,560 more per year for car insurance