Cadillac Escalade Insurance Rates

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

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

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

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $818
• Raising to $1,000 deductibles will save about $130 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,360
• Choosing more expensive low deductibles bumps up the cost to $1,608
• Drivers with multiple violations and an at-fault accident could pay at least $2,922 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $5,376

View Chart as Image

Insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 131% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,300 a year. View Rates by Age

Your home state also has a big influence on Cadillac Escalade insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce rates by up to $380 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so the 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 Find the Best Cadillac Escalade Insurance

Finding cheaper rates on insurance for a Cadillac Escalade consists of having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Shop around every year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a brief recap 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 can save approximately $375 each year
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $448 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,560 more every year than a driver with a clean driving record