Cadillac Escalade ESV Insurance Rates

The average auto insurance rates for a Cadillac Escalade ESV are $1,252 annually with full coverage. Comprehensive costs approximately $274 a year, collision insurance costs $342, and liability is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs around $2,682. Teens cost the most to insure at up to $4,762 a year.

Average premium for full coverage: $1,252

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Escalade ESV 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. Rural locations are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below details average Cadillac Escalade ESV insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $745
• Raising to $1,000 deductibles will save $1,112 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,252
• Selecting low $100 deductibles will cost $1,520
• Drivers with serious driving violations could pay around $2,682
• Policy cost with full coverage for a 16-year-old driver can cost $4,762

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $410 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Cadillac Escalade ESV insurance prices. A middle-age driver might find rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,690 on average in New York, Michigan, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2012 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 Affordable Cadillac Escalade ESV Insurance

Finding cheaper rates on insurance for a Cadillac Escalade ESV consists of avoiding accidents and violations, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,430 more per year for car insurance
• You may be able to save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Insureds who purchase higher liability limits will pay approximately $530 every year to raise from a 30/60 limit to higher 250/500 limits