Cadillac Escalade ESV Insurance Rates
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UPDATED: May 31, 2024
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Average insurance rates for a Cadillac Escalade ESV are $1,292 a year for full coverage. Comprehensive insurance costs around $282, collision insurance costs $378, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,768 or more. Teen drivers receive the highest rates at up to $4,890 a year.
Average premium for full coverage: $1,292
Rate estimates for individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Escalade ESV trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $522 for just liability insurance to a much higher rate of $2,768 for a policy for a high-risk driver.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how location helps determine auto insurance rates.
These examples show why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
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More Rate Details
The chart below shows average Cadillac Escalade ESV insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $764
- Choosing higher $1,000 deductibles can save about $152 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,292
- Choosing more expensive low deductibles for comp and collision coverage will cost an additional $288 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,768
- The cost that insures a 16-year-old driver with full coverage can be $4,890 each year
Insurance rates for a Cadillac Escalade ESV can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges from 43% to 130% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac Escalade ESV insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or as much as $1,840 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,170 | -$122 | -9.4% |
| Alaska | $990 | -$302 | -23.4% |
| Arizona | $1,072 | -$220 | -17.0% |
| Arkansas | $1,292 | -$0 | 0.0% |
| California | $1,472 | $180 | 13.9% |
| Colorado | $1,234 | -$58 | -4.5% |
| Connecticut | $1,328 | $36 | 2.8% |
| Delaware | $1,464 | $172 | 13.3% |
| Florida | $1,618 | $326 | 25.2% |
| Georgia | $1,190 | -$102 | -7.9% |
| Hawaii | $928 | -$364 | -28.2% |
| Idaho | $874 | -$418 | -32.4% |
| Illinois | $962 | -$330 | -25.5% |
| Indiana | $970 | -$322 | -24.9% |
| Iowa | $872 | -$420 | -32.5% |
| Kansas | $1,228 | -$64 | -5.0% |
| Kentucky | $1,764 | $472 | 36.5% |
| Louisiana | $1,912 | $620 | 48.0% |
| Maine | $798 | -$494 | -38.2% |
| Maryland | $1,066 | -$226 | -17.5% |
| Massachusetts | $1,034 | -$258 | -20.0% |
| Michigan | $2,244 | $952 | 73.7% |
| Minnesota | $1,080 | -$212 | -16.4% |
| Mississippi | $1,546 | $254 | 19.7% |
| Missouri | $1,146 | -$146 | -11.3% |
| Montana | $1,388 | $96 | 7.4% |
| Nebraska | $1,018 | -$274 | -21.2% |
| Nevada | $1,550 | $258 | 20.0% |
| New Hampshire | $930 | -$362 | -28.0% |
| New Jersey | $1,444 | $152 | 11.8% |
| New Mexico | $1,144 | -$148 | -11.5% |
| New York | $1,362 | $70 | 5.4% |
| North Carolina | $744 | -$548 | -42.4% |
| North Dakota | $1,060 | -$232 | -18.0% |
| Ohio | $890 | -$402 | -31.1% |
| Oklahoma | $1,328 | $36 | 2.8% |
| Oregon | $1,182 | -$110 | -8.5% |
| Pennsylvania | $1,234 | -$58 | -4.5% |
| Rhode Island | $1,722 | $430 | 33.3% |
| South Carolina | $1,170 | -$122 | -9.4% |
| South Dakota | $1,090 | -$202 | -15.6% |
| Tennessee | $1,132 | -$160 | -12.4% |
| Texas | $1,558 | $266 | 20.6% |
| Utah | $958 | -$334 | -25.9% |
| Vermont | $886 | -$406 | -31.4% |
| Virginia | $774 | -$518 | -40.1% |
| Washington | $1,000 | -$292 | -22.6% |
| West Virginia | $1,184 | -$108 | -8.4% |
| Wisconsin | $896 | -$396 | -30.7% |
| Wyoming | $1,152 | -$140 | -10.8% |
Choosing high deductibles can save as much as $440 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade ESV 2WD | $1,244 | $104 |
| Cadillac Escalade ESV 4WD | $1,244 | $104 |
| Cadillac Escalade ESV Luxury Edition 2WD | $1,268 | $106 |
| Cadillac Escalade ESV Premium Edition 2WD | $1,268 | $106 |
| Cadillac Escalade ESV Luxury Edition 4WD | $1,268 | $106 |
| Cadillac Escalade ESV Premium Edition 4WD | $1,292 | $108 |
| Cadillac Escalade ESV Platinum Edition 2WD | $1,316 | $110 |
| Cadillac Escalade ESV Platinum Edition 4WD | $1,340 | $112 |
Rates assume 2012 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 ESV | $486 | $750 | $372 | $1,766 |
| 2023 Cadillac Escalade ESV | $464 | $720 | $390 | $1,732 |
| 2022 Cadillac Escalade ESV | $444 | $714 | $398 | $1,714 |
| 2021 Cadillac Escalade ESV | $430 | $698 | $416 | $1,702 |
| 2019 Cadillac Escalade ESV | $392 | $646 | $442 | $1,638 |
| 2018 Cadillac Escalade ESV | $376 | $598 | $452 | $1,584 |
| 2016 Cadillac Escalade ESV | $346 | $506 | $460 | $1,470 |
| 2014 Cadillac Escalade ESV | $312 | $436 | $464 | $1,370 |
| 2013 Cadillac Escalade ESV | $306 | $406 | $474 | $1,344 |
| 2012 Cadillac Escalade ESV | $282 | $378 | $474 | $1,292 |
| 2010 Cadillac Escalade ESV | $256 | $314 | $474 | $1,202 |
Rates are averaged for all Cadillac Escalade ESV 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 Low Cost Cadillac Escalade ESV Insurance
Saving money on insurance for a Cadillac Escalade ESV takes having a decent driving record, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Shop around every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a review of the coverage data covered in the charts and tables above.
- Drivers can save up to $150 per year just by shopping early and online
- Increasing deductibles can save approximately $450 each year
- 16 to 18-year-old drivers pay higher rates, costing as high as $408 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,480 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,890 |
| 20 | $2,924 |
| 30 | $1,334 |
| 40 | $1,292 |
| 50 | $1,180 |
| 60 | $1,156 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,580 |
| $250 | $1,448 |
| $500 | $1,292 |
| $1,000 | $1,140 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,292 |
| 50/100 | $1,435 |
| 100/300 | $1,553 |
| 250/500 | $1,861 |
| 100 CSL | $1,482 |
| 300 CSL | $1,743 |
| 500 CSL | $1,933 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,944 |
| 20 | $4,658 |
| 30 | $2,814 |
| 40 | $2,768 |
| 50 | $2,642 |
| 60 | $2,614 |
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 | $68 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $91 |
| Total Discounts | $528 |
Discounts are estimated and may not be available from every company or in every state.
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