Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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The average insurance prices for a Cadillac Escalade EXT are $1,214 every 12 months including full coverage. Comprehensive insurance costs around $242, collision insurance costs $340, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,610 or more. Teens cost the most to insure at up to $4,682 a year.
Average premium for full coverage: $1,214
Policy rates for type of insurance:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Escalade EXT models.
Price Range Variability
Using a middle-aged driver as an example, Cadillac Escalade EXT insurance rates range from the cheapest price of $522 for just liability insurance to the much higher price of $2,610 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.
The examples above highlight why everyone should get quotes for a specific zip code and their own driving history, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down average Cadillac Escalade EXT insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $721
- Choosing higher $1,000 deductibles can save about $132 every year
- The average price for a good driver age 40 using $500 deductibles is $1,214
- Selecting pricier low deductibles for comp and collision coverage costs an extra $254 every year
- Unlucky drivers with serious driving violations could pay at least $2,610
- Policy cost to insure a teen driver for full coverage can be $4,682 each year
Insurance rates for a Cadillac Escalade EXT also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $390 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,600 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 least $1,400 to $2,000 extra every year, depending on your age. Cadillac Escalade EXT insurance for high-risk drivers ranges as much as 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Cadillac Escalade EXT insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,730 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,098 | -$116 | -9.6% |
| Alaska | $930 | -$284 | -23.4% |
| Arizona | $1,006 | -$208 | -17.1% |
| Arkansas | $1,214 | -$0 | 0.0% |
| California | $1,384 | $170 | 14.0% |
| Colorado | $1,158 | -$56 | -4.6% |
| Connecticut | $1,248 | $34 | 2.8% |
| Delaware | $1,374 | $160 | 13.2% |
| Florida | $1,518 | $304 | 25.0% |
| Georgia | $1,120 | -$94 | -7.7% |
| Hawaii | $872 | -$342 | -28.2% |
| Idaho | $820 | -$394 | -32.5% |
| Illinois | $904 | -$310 | -25.5% |
| Indiana | $912 | -$302 | -24.9% |
| Iowa | $820 | -$394 | -32.5% |
| Kansas | $1,154 | -$60 | -4.9% |
| Kentucky | $1,656 | $442 | 36.4% |
| Louisiana | $1,796 | $582 | 47.9% |
| Maine | $750 | -$464 | -38.2% |
| Maryland | $1,000 | -$214 | -17.6% |
| Massachusetts | $972 | -$242 | -19.9% |
| Michigan | $2,108 | $894 | 73.6% |
| Minnesota | $1,014 | -$200 | -16.5% |
| Mississippi | $1,454 | $240 | 19.8% |
| Missouri | $1,076 | -$138 | -11.4% |
| Montana | $1,304 | $90 | 7.4% |
| Nebraska | $956 | -$258 | -21.3% |
| Nevada | $1,456 | $242 | 19.9% |
| New Hampshire | $872 | -$342 | -28.2% |
| New Jersey | $1,356 | $142 | 11.7% |
| New Mexico | $1,076 | -$138 | -11.4% |
| New York | $1,278 | $64 | 5.3% |
| North Carolina | $700 | -$514 | -42.3% |
| North Dakota | $994 | -$220 | -18.1% |
| Ohio | $836 | -$378 | -31.1% |
| Oklahoma | $1,246 | $32 | 2.6% |
| Oregon | $1,112 | -$102 | -8.4% |
| Pennsylvania | $1,158 | -$56 | -4.6% |
| Rhode Island | $1,618 | $404 | 33.3% |
| South Carolina | $1,098 | -$116 | -9.6% |
| South Dakota | $1,024 | -$190 | -15.7% |
| Tennessee | $1,064 | -$150 | -12.4% |
| Texas | $1,464 | $250 | 20.6% |
| Utah | $898 | -$316 | -26.0% |
| Vermont | $832 | -$382 | -31.5% |
| Virginia | $726 | -$488 | -40.2% |
| Washington | $938 | -$276 | -22.7% |
| West Virginia | $1,112 | -$102 | -8.4% |
| Wisconsin | $842 | -$372 | -30.6% |
| Wyoming | $1,082 | -$132 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,192 | $99 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,214 | $101 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2013 Cadillac Escalade EXT | $266 | $410 | $474 | $1,308 |
| 2011 Cadillac Escalade EXT | $242 | $340 | $474 | $1,214 |
| 2010 Cadillac Escalade EXT | $228 | $308 | $474 | $1,168 |
Rates are averaged for all Cadillac Escalade EXT models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Cadillac Escalade EXT Insurance
Finding cheaper rates on car insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop every year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The following list is a quick rundown of the coverage data touched on in the above illustrations.
- You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Drivers age 16 to 20 pay higher rates, with premiums being up to $390 each month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,400 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,682 |
| 20 | $2,762 |
| 30 | $1,250 |
| 40 | $1,214 |
| 50 | $1,110 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,352 |
| $500 | $1,214 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,214 |
| 50/100 | $1,309 |
| 100/300 | $1,427 |
| 250/500 | $1,735 |
| 100 CSL | $1,356 |
| 300 CSL | $1,617 |
| 500 CSL | $1,807 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,634 |
| 20 | $4,404 |
| 30 | $2,648 |
| 40 | $2,610 |
| 50 | $2,492 |
| 60 | $2,466 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $49 |
| Advance Quote | $56 |
| Online Quote | $84 |
| Total Discounts | $493 |
Discounts are estimated and may not be available from every company or in every state.
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