Cadillac Escalade Insurance Rates

The average auto insurance rates for a Cadillac Escalade are $1,316 annually including full coverage. Comprehensive insurance costs an estimated $228 a year, collision costs $296, and liability costs around $592. A liability-only policy costs as low as $652 a year, with high-risk insurance costing $2,824 or more. Teenage drivers cost the most to insure at $5,236 a year or more.

Average premium for full coverage: $1,316

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Escalade trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down estimated Cadillac Escalade insurance rates for other coverage scenarios.

• The best discount rate is $798
• Using higher $1,000 deductibles will save approximately $1,196 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,316
• Using low $100 deductibles for physical damage coverage costs an additional $228 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,824 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,236 or more

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $350 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Cadillac Escalade insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Buy the Best Cheap Cadillac Escalade Insurance

Finding cheaper rates on insurance for a Cadillac Escalade requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a quick review of the coverage data covered in the above illustrations.

• You may be able to save approximately $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Teenage drivers have the highest car insurance rates, with premiums being up to $436 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,510 more annually for auto insurance