Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,360 a year with full coverage. Comprehensive costs around $242, collision costs $326, and liability is estimated at $592. A liability-only policy costs approximately $652 a year, with high-risk insurance 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 for type of insurance:

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why everyone should get quotes for a specific zip code and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $818
• Choosing higher $1,000 deductibles can save about $130 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,360
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,608
• Unlucky drivers with serious driving violations could pay at least $2,922 or more
• Policy cost for full coverage for a teen driver for full coverage can be $5,376 each year

View Chart as Image

Car insurance rates for a Cadillac Escalade also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $980 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,830 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,300 extra every year, depending on your age. Cadillac Escalade insurance for high-risk drivers ranges as much as 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes 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 the Best Cadillac Escalade Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief recap of the data that was touched on in the above illustrations.

• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Policyholders who may need higher levels of liability will pay approximately $650 every year to raise limits from a 30/60 limit to 250/500 limits
• Teenage drivers are the costliest to insure, as much as $448 each month if full coverage is included
• Higher risk drivers who tend to receive serious violations pay an average of $1,560 more every year for auto insurance