Cadillac Escalade Insurance Rates

The average insurance prices for a Cadillac Escalade are $1,360 every 12 months including full coverage. Comprehensive costs on average $242, collision insurance costs $326, and liability coverage costs around $592. Liability-only insurance costs as low as $652 a year, and high-risk driver insurance costs around $2,922. Teenage drivers cost the most to insure at up to $5,376 a year.

Average premium for full coverage: $1,360

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Escalade models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location 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 breaks down average Cadillac Escalade insurance rates for different risk profiles and scenarios.

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

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $380 a year, whereas buying more liability protection will cost you more. Changing 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

A more mature driver with a good driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $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 are likely paying at a minimum $1,600 to $2,300 in extra premium every year, depending on your age. Cadillac Escalade insurance for high-risk drivers can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac Escalade insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a quick review of the ideas that were touched on in the above illustrations.

• Drivers under the age of 20 are charged the highest rates, with premiums being up to $448 each month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation may pay on average $1,560 more each year to insure a Cadillac Escalade
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date