Cadillac Escalade Insurance Rates

The average insurance prices for a Cadillac Escalade are $1,360 every 12 months with full coverage. Comprehensive insurance costs around $242, collision costs $326, and liability coverage is estimated at $592. Liability-only insurance costs approximately $652 a year, with high-risk driver insurance costing $2,922 or more. Teenage drivers 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:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $818
• Choosing higher $1,000 deductibles can save about $130 annually
• The average price for a good driver age 40 using $500 deductibles is $1,360
• Using more expensive low deductibles for comp and collision coverage costs an extra $248 each year
• Drivers who are prone to accidents and violations could pay at least $2,922 or more
• Policy cost to insure a teenage driver with full coverage can be $5,376 each year

View Chart as Image

Auto insurance rates for a Cadillac Escalade also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $380 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for the Best Cheap Cadillac Escalade Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit score, not filing small claims, and maximizing policy discounts. Spend time shopping around every year by obtaining price quotes from direct companies, and also from several local insurance agents.

The items below are a quick review of the coverage data touched on above.

• You may be able to save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Teen drivers are expensive to insure, as much as $448 each month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation pay on average $1,560 more every year to insure their Escalade