Cadillac Escalade EXT Insurance Rates
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UPDATED: May 11, 2024
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The average auto insurance rates for a Cadillac Escalade EXT are $1,268 annually for full coverage. Comprehensive insurance costs on average $260 each year, collision costs $372, and liability costs $478. A liability-only policy costs as little as $526 a year, with high-risk insurance costing $2,726 or more. 16-year-old drivers cost the most to insure at $4,850 a year or more.
Average premium for full coverage: $1,268
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Escalade EXT models.
Price Range Variability
For the average driver, Cadillac Escalade EXT insurance rates go from as cheap as $526 for a discount liability-only rate to a high rate of $2,726 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities.
The graphic below illustrates how location impacts car insurance rates.
The examples above show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using rate averages.
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.
Rates by State, City, and Model
The chart below shows estimated Cadillac Escalade EXT insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $747
- Drivers who choose higher $1,000 deductibles will pay around $144 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,268
- Buying low deductibles for comprehensive and collision insurance costs an additional $274 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,726 or more
- Policy cost with full coverage for a teen driver may cost $4,850 a year
Car insurance rates for a Cadillac Escalade EXT also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $420 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac Escalade EXT insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,810 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$122 | -9.6% |
| Alaska | $970 | -$298 | -23.5% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,444 | $176 | 13.9% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,302 | $34 | 2.7% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,584 | $316 | 24.9% |
| Georgia | $1,170 | -$98 | -7.7% |
| Hawaii | $908 | -$360 | -28.4% |
| Idaho | $858 | -$410 | -32.3% |
| Illinois | $944 | -$324 | -25.6% |
| Indiana | $954 | -$314 | -24.8% |
| Iowa | $854 | -$414 | -32.6% |
| Kansas | $1,204 | -$64 | -5.0% |
| Kentucky | $1,728 | $460 | 36.3% |
| Louisiana | $1,874 | $606 | 47.8% |
| Maine | $782 | -$486 | -38.3% |
| Maryland | $1,044 | -$224 | -17.7% |
| Massachusetts | $1,014 | -$254 | -20.0% |
| Michigan | $2,202 | $934 | 73.7% |
| Minnesota | $1,060 | -$208 | -16.4% |
| Mississippi | $1,516 | $248 | 19.6% |
| Missouri | $1,124 | -$144 | -11.4% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $998 | -$270 | -21.3% |
| Nevada | $1,520 | $252 | 19.9% |
| New Hampshire | $912 | -$356 | -28.1% |
| New Jersey | $1,416 | $148 | 11.7% |
| New Mexico | $1,120 | -$148 | -11.7% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,036 | -$232 | -18.3% |
| Ohio | $876 | -$392 | -30.9% |
| Oklahoma | $1,302 | $34 | 2.7% |
| Oregon | $1,160 | -$108 | -8.5% |
| Pennsylvania | $1,210 | -$58 | -4.6% |
| Rhode Island | $1,690 | $422 | 33.3% |
| South Carolina | $1,146 | -$122 | -9.6% |
| South Dakota | $1,068 | -$200 | -15.8% |
| Tennessee | $1,112 | -$156 | -12.3% |
| Texas | $1,528 | $260 | 20.5% |
| Utah | $938 | -$330 | -26.0% |
| Vermont | $868 | -$400 | -31.5% |
| Virginia | $758 | -$510 | -40.2% |
| Washington | $978 | -$290 | -22.9% |
| West Virginia | $1,160 | -$108 | -8.5% |
| Wisconsin | $878 | -$390 | -30.8% |
| Wyoming | $1,130 | -$138 | -10.9% |
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, so rate quotes will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade EXT 4WD | $1,246 | $104 |
| Cadillac Escalade EXT Luxury Edition 4WD | $1,268 | $106 |
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 | $288 | $440 | $474 | $1,360 |
| 2011 Cadillac Escalade EXT | $260 | $372 | $478 | $1,268 |
| 2010 Cadillac Escalade EXT | $242 | $340 | $474 | $1,214 |
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 Buy Cheaper Cadillac Escalade EXT Insurance
Finding cheaper rates on car insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following items are a condensed summary of the ideas that were touched on above.
- 16 to 18-year-old drivers are expensive to insure, costing up to $404 each month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,460 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Drivers can save as much as $150 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,850 |
| 20 | $2,886 |
| 30 | $1,308 |
| 40 | $1,268 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,542 |
| $250 | $1,416 |
| $500 | $1,268 |
| $1,000 | $1,124 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,364 |
| 100/300 | $1,483 |
| 250/500 | $1,794 |
| 100 CSL | $1,411 |
| 300 CSL | $1,674 |
| 500 CSL | $1,866 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,884 |
| 20 | $4,598 |
| 30 | $2,768 |
| 40 | $2,726 |
| 50 | $2,602 |
| 60 | $2,574 |
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 | $67 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $89 |
| Total Discounts | $521 |
Discounts are estimated and may not be available from every company or in every state.
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