Cadillac Escalade Insurance Rates

The average insurance rates for a Cadillac Escalade are $1,360 a year for full coverage insurance. Comprehensive costs on average $242, collision costs $326, and liability coverage is $592. Liability-only coverage costs around $652 a year, with high-risk coverage costing around $2,922. Teenage drivers 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:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

The examples above illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Cadillac Escalade insurance rates for different risk profiles and scenarios.

• The best discount rate is $818
• Raising to $1,000 deductibles will save around $130 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,360
• Using pricier low deductibles will increase the cost to $1,608
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,922 or more
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,376

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 policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

Your home state also has a big influence on Cadillac Escalade insurance rates. A middle-age driver might find rates as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,830 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $380 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $480 more each 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 at a minimum $1,600 to $2,300 additional every year, depending on your age. Cadillac Escalade insurance for high-risk drivers is expensive and can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and 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 the Right Cadillac Escalade Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a quick rundown of the car insurance concepts presented in the illustrations above.

• Drivers with reckless driving or DUI convictions pay an average of $1,560 more each year to insure a Cadillac Escalade
• It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $375 each year
• Consumers who require increased liability limits will pay an extra $650 annually to raise from a 30/60 limit to 250/500 limits