Cadillac Escalade Insurance Rates
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UPDATED: Apr 24, 2024
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Average insurance rates for a Cadillac Escalade are $1,414 a year for full coverage insurance. Comprehensive insurance costs an estimated $260 each year, collision insurance costs $358, and liability costs $596. Buying just liability costs as little as $656 a year, and insurance for high-risk drivers costs $3,036 or more. Teenage drivers receive the highest rates at up to $5,546 a year.
Average premium for full coverage: $1,414
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Escalade models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $656 for the bare minimum liability coverage to a high rate of $3,036 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.
These examples illustrate why all drivers should compare rates for a targeted area and risk profile, instead of using average rates.
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.
Additional Rate Information
The chart below illustrates average Cadillac Escalade insurance rates for other coverage scenarios.
- The best discount rate is $848
- Drivers who choose higher $1,000 deductibles will pay approximately $142 each year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,414
- Using low deductibles for comprehensive and collision insurance will cost an extra $266 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,036
- The cost for full coverage for a teen driver can cost as much as $5,546 a year
Auto insurance rates for a Cadillac Escalade can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,500 a year. View Rates by Age
Where you live makes a big difference in Cadillac Escalade insurance prices. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$138 | -9.8% |
| Alaska | $1,082 | -$332 | -23.5% |
| Arizona | $1,172 | -$242 | -17.1% |
| Arkansas | $1,414 | -$0 | 0.0% |
| California | $1,610 | $196 | 13.9% |
| Colorado | $1,350 | -$64 | -4.5% |
| Connecticut | $1,450 | $36 | 2.5% |
| Delaware | $1,600 | $186 | 13.2% |
| Florida | $1,764 | $350 | 24.8% |
| Georgia | $1,304 | -$110 | -7.8% |
| Hawaii | $1,012 | -$402 | -28.4% |
| Idaho | $958 | -$456 | -32.2% |
| Illinois | $1,052 | -$362 | -25.6% |
| Indiana | $1,066 | -$348 | -24.6% |
| Iowa | $958 | -$456 | -32.2% |
| Kansas | $1,340 | -$74 | -5.2% |
| Kentucky | $1,926 | $512 | 36.2% |
| Louisiana | $2,090 | $676 | 47.8% |
| Maine | $872 | -$542 | -38.3% |
| Maryland | $1,164 | -$250 | -17.7% |
| Massachusetts | $1,128 | -$286 | -20.2% |
| Michigan | $2,450 | $1,036 | 73.3% |
| Minnesota | $1,182 | -$232 | -16.4% |
| Mississippi | $1,690 | $276 | 19.5% |
| Missouri | $1,254 | -$160 | -11.3% |
| Montana | $1,518 | $104 | 7.4% |
| Nebraska | $1,112 | -$302 | -21.4% |
| Nevada | $1,694 | $280 | 19.8% |
| New Hampshire | $1,016 | -$398 | -28.1% |
| New Jersey | $1,578 | $164 | 11.6% |
| New Mexico | $1,250 | -$164 | -11.6% |
| New York | $1,486 | $72 | 5.1% |
| North Carolina | $814 | -$600 | -42.4% |
| North Dakota | $1,156 | -$258 | -18.2% |
| Ohio | $976 | -$438 | -31.0% |
| Oklahoma | $1,448 | $34 | 2.4% |
| Oregon | $1,294 | -$120 | -8.5% |
| Pennsylvania | $1,348 | -$66 | -4.7% |
| Rhode Island | $1,884 | $470 | 33.2% |
| South Carolina | $1,278 | -$136 | -9.6% |
| South Dakota | $1,192 | -$222 | -15.7% |
| Tennessee | $1,236 | -$178 | -12.6% |
| Texas | $1,700 | $286 | 20.2% |
| Utah | $1,046 | -$368 | -26.0% |
| Vermont | $966 | -$448 | -31.7% |
| Virginia | $846 | -$568 | -40.2% |
| Washington | $1,090 | -$324 | -22.9% |
| West Virginia | $1,296 | -$118 | -8.3% |
| Wisconsin | $980 | -$434 | -30.7% |
| Wyoming | $1,260 | -$154 | -10.9% |
Using high physical damage deductibles could save up to $410 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 134% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,346 | $112 |
| Cadillac Escalade Luxury Edition 2WD | $1,354 | $113 |
| Cadillac Escalade 4WD | $1,354 | $113 |
| Cadillac Escalade Premium Edition 2WD | $1,376 | $115 |
| Cadillac Escalade Luxury Edition 4WD | $1,376 | $115 |
| Cadillac Escalade Premium Edition 4WD | $1,376 | $115 |
| Cadillac Escalade Hybrid 2WD | $1,358 | $113 |
| Cadillac Escalade Hybrid 4WD | $1,380 | $115 |
| Cadillac Escalade Platinum Edition 2WD | $1,406 | $117 |
| Cadillac Escalade Platinum Edition 4WD | $1,406 | $117 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,422 | $119 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,422 | $119 |
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 |
|---|---|---|---|---|
| 2024 Cadillac Escalade | $458 | $780 | $466 | $1,904 |
| 2023 Cadillac Escalade | $438 | $750 | $488 | $1,876 |
| 2022 Cadillac Escalade | $420 | $744 | $498 | $1,862 |
| 2021 Cadillac Escalade | $406 | $726 | $520 | $1,852 |
| 2020 Cadillac Escalade | $392 | $696 | $536 | $1,824 |
| 2019 Cadillac Escalade | $370 | $672 | $554 | $1,796 |
| 2018 Cadillac Escalade | $356 | $624 | $564 | $1,744 |
| 2017 Cadillac Escalade | $342 | $588 | $570 | $1,700 |
| 2016 Cadillac Escalade | $328 | $526 | $574 | $1,628 |
| 2015 Cadillac Escalade | $306 | $484 | $574 | $1,564 |
| 2014 Cadillac Escalade | $296 | $454 | $580 | $1,530 |
| 2013 Cadillac Escalade | $288 | $424 | $592 | $1,504 |
| 2012 Cadillac Escalade | $266 | $394 | $592 | $1,452 |
| 2011 Cadillac Escalade | $260 | $358 | $596 | $1,414 |
| 2010 Cadillac Escalade | $242 | $326 | $592 | $1,360 |
| 2009 Cadillac Escalade | $228 | $296 | $592 | $1,316 |
| 2008 Cadillac Escalade | $220 | $266 | $586 | $1,272 |
| 2007 Cadillac Escalade | $216 | $260 | $574 | $1,250 |
| 2006 Cadillac Escalade | $214 | $248 | $564 | $1,226 |
| 2005 Cadillac Escalade | $196 | $236 | $558 | $1,190 |
Rates are averaged for all Cadillac Escalade models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Cadillac Escalade Insurance
Saving money on car insurance not only requires being a low-risk driver, but also having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.
The items below are a condensed summary of the ideas that were touched on in this article.
- Teen drivers are the costliest to insure, costing up to $462 per month if they have full coverage
- Higher risk drivers with multiple at-fault accidents pay on average $1,620 more annually to insure their Escalade
- Increasing deductibles can save around $400 each year
- It is possible to save approximately $160 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,546 |
| 20 | $3,222 |
| 30 | $1,446 |
| 40 | $1,414 |
| 50 | $1,292 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,680 |
| $250 | $1,558 |
| $500 | $1,414 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,414 |
| 50/100 | $1,530 |
| 100/300 | $1,665 |
| 250/500 | $2,016 |
| 100 CSL | $1,584 |
| 300 CSL | $1,881 |
| 500 CSL | $2,097 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,844 |
| 20 | $5,132 |
| 30 | $3,074 |
| 40 | $3,036 |
| 50 | $2,902 |
| 60 | $2,868 |
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 | $73 |
| Multi-vehicle | $75 |
| Homeowner | $24 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $54 |
| Advance Quote | $64 |
| Online Quote | $97 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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