Car Insurance Quotes for a Cadillac Escalade

The average annual premium is $2,444 for full coverage. In most states, car insurance may be full coverage, minimum required liability or any additional protection you need or want.

State minimum liability refers to the minimum amount of coverage required by state law, and full coverage adds additional coverages like collision and comprehensive for broader protection against collision and non-collision-related damages.

Whether it’s state minimum liability, full coverage, or another type of auto insurance coverage, Freeway Insurance is ready to help you explore affordable policy options for you and your family.

Drivers can benefit from all types of auto insurance policies, including state minimum liability and full coverage.

The main difference between both coverage types is that one provides third-party-only benefits, and the latter provides first- and third-party benefits that cover damages and injuries sustained by you, your vehicle, and your passengers.

Full Coverage

A full coverage policy packages three important types of coverage: liability, collision and comprehensive insurance.

Liability coverage pays out claims associated with injuries or property damage to others (assuming you are determined to be at fault). In contrast, collision pays for damages to your vehicle caused by collision-related incidents such as vehicle-to-vehicle, vehicle-to-object, and rollover collisions.

Comprehensive coverage covers non-collision-related scenarios, paying for damages due to theft, vandalism, falling objects, animal collisions, and natural disasters.

We recommend you carry full coverage over state minimum liability for its broader scope, providing first and third-party benefits.

State Minimum Liability

All drivers must carry minimum liability coverage to drive legally. Referred to as liability, it includes bodily injury and property damage liability, with every state requiring minimum limits.

Using Georgia as an example, drivers must carry a minimum of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.

Note that state minimum liability only extends to paying for damages and injuries sustained by others and accidents you cause. It does not provide first-party benefits. To enjoy first-party benefits, you must include collision and comprehensive, better served by a full coverage policy.

Many factors affect driver insurance pricing, including age/gender, driving record, selected coverage/deductibles, and credit score.

Age

Younger drivers, like teenagers and people in their early 20s, tend to have higher premiums thanks to belonging to a demographic with a higher record of claims. Expect rates to gradually decrease as you gain more experience upon hitting your 30s, 40s, and 50s.

Driving Record

As for driving records, drivers with zero accidents, traffic violations, and claims on their records for the past three to five years generally pay lower premiums than problematic drivers with multiple infractions, especially if they rack up numerous infractions within a short period.

Selected Coverage and Deductibles

Do not forget about your selected coverage and deductibles. With deductibles typically ranging from $250 to $1,000 or more, the higher your deductible, the lower your premiums, as you are assuming more risk in case of an accident. As for covered selections, adding extras like personal injury protection (PIP), roadside assistance, and uninsured motorist coverage (UM) can all add a few extra dollars every month to your premium. Just know that PIP and UM may be required by your state.

Expect some serious consequences if you are convicted of a DUI.

Aside from increased premiums, you can expect outright cancellation or non-renewal of your policy, forcing you to seek a policy elsewhere from a provider specializing in DUI solutions. Future premium increases will depend on your current driving record and the severity and frequency of past convictions, remaining elevated for a minimum of three years before eventually tapering down (assuming you maintain a clean driving record).

Additionally, you may be required to file an SR-22 or an FR-44 form (subject to a filing fee), which is a certificate of financial responsibility that lets the state know you are carrying the minimum required auto insurance.

Outside of that, you can also expect to lose discounts. For example, if you had a good driver discount, a DUI conviction will certainly cause you to lose it, with higher premiums taking its place.

This is a vehicle in the large luxury SUV segment.

It is available in six trims: Luxury, Premium Luxury, Sport, Sport Platinum, Premium Luxury Platinum, and Escalade-V.

Standard features include a 16.9-inch touch screen, Apple CarPlay/Android Auto compatibility, several USB ports, a 19-speaker audio system, and tri-zone automatic climate control. Upgrading to the highest level trim, Escalade-V comes adds Brembo brakes, a supercharged 682 horsepower v8 engine, and cabin noise cancellation.

Main competitors are the Volvo XC90, Lincoln Navigator, Infiniti qx80, and BMW X7.