Cadillac Escalade Insurance Rates
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UPDATED: Jun 5, 2023
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Average insurance prices for a Cadillac Escalade are $1,414 every 12 months with full coverage. Comprehensive costs on average $260, collision costs $358, and liability insurance costs around $596. A liability-only policy costs as low as $656 a year, with high-risk insurance costing around $3,036. Teen drivers receive the highest rates at $5,546 a year or more.
Average premium for full coverage: $1,414
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Escalade trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $656 for just the minimum liability insurance to a much higher rate of $3,036 for a high-risk driver policy.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than larger metro areas.
The price range example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on price averages.
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 Analysis
The chart below details estimated Cadillac Escalade insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $848
- Using higher $1,000 deductibles will save around $142 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,414
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,680
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,036 or more
- The cost to insure a teen driver with full coverage may cost $5,546 or more
Insurance rates for a Cadillac Escalade can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Escalade.
Choosing high deductibles could cut rates by as much as $410 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $486 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can be anywhere from 41% to 134% more than average. View High Risk Driver Rates
Where you live has a huge impact on Cadillac Escalade insurance rates. A driver around age 40 might see rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different.
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 Shop for Cheap Cadillac Escalade Insurance
Saving money on Cadillac Escalade insurance requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a brief summary of the information presented in the illustrations above.
- You may be able to save as much as $160 per year simply by shopping early and online
- Teenagers pay the highest rates, with premiums as much as $462 per month if they have full coverage
- Increasing deductibles could save as much as $400 each year
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,620 more each year for car insurance
- Drivers who require higher liability limits will pay about $660 every year to increase from a minimum limit to a 250/500 level
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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