Cadillac Escalade Insurance Rates

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

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $818
• Drivers who choose higher $1,000 deductibles will pay about $130 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,360
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $248 annually
• Drivers with serious driving violations could pay at least $2,922 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,376 a year

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on your risk profile, the trim level of your Escalade, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Cadillac Escalade insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,940 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $380 annually, while increasing your policy's liability limits will increase rates. Going 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 could be paying at least $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to compare rates from multiple companies. Every company calculates rates differently, 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 More Affordable Cadillac Escalade Insurance

Finding cheaper rates on insurance for a Cadillac Escalade not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a summary of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,560 more every year to insure a Cadillac Escalade
• Drivers can save up to $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $375 each year
• Insureds who may need increased liability limits will pay approximately $650 each year to go from a 30/60 limit to 250/500 limits