Insurance rates Cadillac Escalade in DenverSick and tired of wondering where the money will come from to buy auto insurance? You're in the same situation as millions of other people.

Amazingly, a recent NerdWallet.com study showed that 70% of consumers have remained with the same auto insurance company for a minimum of four years, and almost 40% of drivers have never compared quotes from other companies. Many consumers in Colorado could save an average of roughly 35% each year just by shopping around, but most just don't grasp the amount of money they would save if they changed companies. Due to the fact that there are so many choices of insurance companies that have lower-cost insurance for a Cadillac Escalade in Denver, it can be challenging to find the most affordable company.

It's a great practice to compare prices before your next renewal because prices are variable and change quite frequently. Just because you had the lowest price on Cadillac Escalade insurance in Denver on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because you're about to learn the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

The companies shown below offer price comparisons in Colorado. If several companies are displayed, we suggest you get price quotes from several of them in order to get a fair rate comparison.

Cadillac Escalade Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $418 $764 $592 $36 $178 $1,988 $166
Escalade Luxury Edition 2WD $258 $480 $592 $36 $178 $1,544 $129
Escalade 4WD $178 $324 $412 $24 $124 $1,062 $89
Escalade Premium Edition 4WD $456 $764 $592 $36 $178 $2,026 $169
Escalade Luxury Edition 4WD $394 $726 $496 $30 $148 $1,794 $150
Escalade Premium Edition 2WD $372 $616 $592 $36 $178 $1,794 $150
Escalade Hybrid 2WD $248 $566 $480 $28 $144 $1,466 $122
Escalade Hybrid 4WD $324 $620 $404 $24 $122 $1,494 $125
Escalade Platinum Edition 2WD $320 $596 $422 $24 $126 $1,488 $124
Escalade Platinum Edition 4WD $218 $432 $462 $28 $138 $1,278 $107
Escalade Hybrid Platinum 2WD $282 $592 $382 $22 $114 $1,392 $116
Escalade Hybrid Platinum 4WD $428 $1064 $448 $26 $134 $2,100 $175
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium costs do not factor in your specific Denver location which can change coverage prices significantly.

An analysis of deductible level

One frequently asked question is which comprehensive and collision deductibles to buy. The following insurance rates summarize the differences in premium rates when you choose different deductibles. The first data table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Cadillac Escalade insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $376 $620 $440 $26 $132 $1,619 $135
Escalade Luxury Edition 2WD $376 $620 $440 $26 $132 $1,619 $135
Escalade 4WD $376 $620 $440 $26 $132 $1,619 $135
Escalade Premium Edition 4WD $412 $620 $440 $26 $132 $1,655 $138
Escalade Luxury Edition 4WD $412 $620 $440 $26 $132 $1,655 $138
Escalade Premium Edition 2WD $412 $620 $440 $26 $132 $1,655 $138
Escalade Hybrid 2WD $412 $784 $396 $24 $118 $1,759 $147
Escalade Hybrid 4WD $412 $784 $396 $24 $118 $1,759 $147
Escalade Platinum Edition 2WD $412 $702 $440 $26 $132 $1,737 $145
Escalade Platinum Edition 4WD $412 $702 $440 $26 $132 $1,737 $145
Escalade Hybrid Platinum 2WD $446 $866 $396 $24 $118 $1,875 $156
Escalade Hybrid Platinum 4WD $446 $866 $396 $24 $118 $1,875 $156
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Cadillac Escalade insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escalade 2WD $232 $390 $440 $26 $132 $1,220 $102
Escalade Luxury Edition 2WD $232 $390 $440 $26 $132 $1,220 $102
Escalade 4WD $232 $390 $440 $26 $132 $1,220 $102
Escalade Premium Edition 4WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Luxury Edition 4WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Premium Edition 2WD $254 $390 $440 $26 $132 $1,242 $104
Escalade Hybrid 2WD $254 $492 $396 $24 $118 $1,284 $107
Escalade Hybrid 4WD $254 $492 $396 $24 $118 $1,284 $107
Escalade Platinum Edition 2WD $254 $442 $440 $26 $132 $1,294 $108
Escalade Platinum Edition 4WD $254 $442 $440 $26 $132 $1,294 $108
Escalade Hybrid Platinum 2WD $276 $544 $396 $24 $118 $1,358 $113
Escalade Hybrid Platinum 4WD $276 $544 $396 $24 $118 $1,358 $113
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in Denver location which can decrease or increase rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $37 more each month or $444 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 20 months between claims, you would save more money if you choose a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $143
Average monthly premium for $1,000 deductibles (subtract): - $106
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One important issue to know is that raising deductibles results in having to pay to pay more out-of-pocket if you have a claim. You will want to have enough extra savings in order to pay the deductible for vehicle repair.

Discounts mean cheaper rates for Cadillac Escalade insurance in Denver

Not too many consumers would say car insurance is affordable, but you may find discounts that can help lower your rates. Many of these discounts will be applied automatically at the time of purchase, but some must be manually applied before you get the savings. If you check and find you aren't receiving every discount possible, you are just wasting money.Car insurance discounts

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, it doesn't quite work that way.

A few of the larger companies and their offered discounts are outlined below.

If you want cheaper Denver car insurance quotes, ask each company or agent which discounts you qualify for. Some discounts listed above might not be offered everywhere. If you would like to see a list of companies who offer free Cadillac Escalade insurance quotes in Denver, click this link.

Why do I need car insurance?

Even though it can be expensive, insurance may not be optional for several reasons.

First, most states have mandatory insurance requirements which means state laws require specific limits of liability if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you took out a loan on your vehicle, almost every bank will have a requirement that you have full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Cadillac at a much higher rate and force you to pay the higher premium.

Third, insurance safeguards not only your Cadillac but also your financial assets. Insurance will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying insurance definitely exceed the cost, especially with large liability claims. According to a recent study, the average American driver is currently overpaying as much as $825 a year so shop around each time the policy renews to ensure rates are inline.

Comparing rates from local Denver auto insurance agents

Some people would prefer to talk to an insurance agent and that is just fine! Good insurance agents can help you choose the best coverages and help you file claims. A nice benefit of getting free rate quotes online is that drivers can save money and get lower rates and also buy local.

Insurance agents in DenverTo find an agent, once you fill out this simple form, the quote information is immediately sent to agents in your area that can give you free Denver car insurance quotes for your insurance coverage. You won't even need to contact any insurance agencies as quotes are delivered to the email address you provide. If for some reason you want to quote rates from a specific auto insurance provider, you would need to find their quoting web page to submit a rate quote request.

Picking the best provider should depend on more than just the price. Get answers to these questions too.

When researching a reputable insurance agent or broker, it's important to understand the types of agencies that differ in how they can insure your vehicles. Auto insurance agents in Denver can be categorized as either independent or exclusive. Either one can provide auto insurance policies, but it's a good idea to understand the subtle differences because it can influence which agent you choose.

Exclusive Insurance Agents

Exclusive agents generally can only insure with one company like Allstate, State Farm and Farmers Insurance. They are unable to provide prices from multiple companies so you might not find the best rates. Exclusive agents are usually well trained on their products and sales techniques which helps them sell on service rather than price.

Below is a list of exclusive insurance agents in Denver who can help you get price quotes.


1855 S Pearl St Ste 100 - Denver, CO 80210 - (303) 862-4579 - View Map


1100 Acoma St - Denver, CO 80204 - (720) 508-8760 - View Map


4110 8th Ave - Denver, CO 80220 - (303) 388-4949 - View Map

More Denver agents

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company and that is an advantage because they can write policies with many different companies depending on which coverage is best. If they find a lower price, your agent can just switch to a different company and that require little work on your part.

If you are trying to find cheaper rates, you need to compare quotes from a couple of independent agencies to have the best price comparison.

Below is a list of independent insurance agencies in Denver that are able to give price quote information.


4704 Harlan St #360 - Denver, CO 80212 - (303) 237-5445 - View Map


1834 S Sheridan Blvd - Denver, CO 80232 - (303) 936-7233 - View Map


1735 E 17th Ave #3 - Denver, CO 80218 - (303) 388-7216 - View Map

More Denver agents