Cadillac Escalade ESV Insurance Rates
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UPDATED: May 31, 2024
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U.S. average insurance prices for a Cadillac Escalade ESV are $1,292 every 12 months for full coverage insurance. Comprehensive insurance costs around $282, collision costs $378, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,768 or more. Teens pay the highest rates at $4,890 a year or more.
Average premium for full coverage: $1,292
Price estimates for individual coverage:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Escalade ESV models.
Price Range from Low to High
For a 40-year-old driver, Cadillac Escalade ESV insurance prices go from the cheapest price of $522 for minimum levels of liability insurance to the much higher price of $2,768 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance rates.
The ranges above illustrate why everyone should compare rates for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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 Details
The chart below illustrates estimated Cadillac Escalade ESV insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $764
- Drivers who choose higher $1,000 deductibles will pay about $152 each year
- The average price for the average middle-age driver using $500 deductibles is $1,292
- Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $288 annually
- Drivers with serious driving violations could pay at least $2,768 or more
- The price to insure a 16-year-old driver for full coverage can be $4,890 a year
Insurance prices for a Cadillac Escalade ESV are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $440 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. Cadillac Escalade ESV insurance for high-risk drivers can cost from 43% to 130% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Cadillac Escalade ESV insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,750 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from multiple companies. Every company calculates prices differently, and prices may be quite different.
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 Shop for Low Cost Cadillac Escalade ESV Insurance
Getting lower rates on insurance for a Cadillac Escalade ESV not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a review of the information illustrated above.
- It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date
- Teen drivers are charged the highest prices, as much as $408 a month if full coverage is included
- Increasing physical damage deductibles could save as much as $450 each year
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,480 more every year to insure their Escalade ESV
- Insureds who may need more liability coverage will pay approximately $520 annually to go from a low limit to a 250/500 level
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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