Cadillac Escalade Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 24, 2024
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Average insurance rates for a Cadillac Escalade are $1,316 a year with full coverage. Comprehensive insurance costs on average $228, collision insurance costs $296, and liability is estimated at $592. A policy with just liability insurance costs approximately $652 a year, and coverage for high-risk drivers costs $2,824 or more. Teen drivers receive the highest rates at up to $5,236 a year.
Average premium for full coverage: $1,316
Rate estimates by individual coverage type:
Estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Escalade models.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $652 for just liability coverage to the much higher price of $2,824 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. Rural areas tend to have lower incidents of collision claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why everyone should get quotes based on a specific location, instead of making a decision based 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.
Detailed Rate Analysis
The chart below details average Cadillac Escalade insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $798
- Choosing higher $1,000 deductibles can save around $120 annually
- The estimated price for a 40-year-old driver with $500 deductibles is $1,316
- Choosing pricier low deductibles for comp and collision coverage will cost an additional $228 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,824
- The cost that insures a 16-year-old driver for full coverage may cost $5,236 each year
Insurance rates for a Cadillac Escalade can also vary considerably based on the model of your Escalade, your age and driving habits, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,200 additional per year, depending on your age. Cadillac Escalade insurance for high-risk drivers ranges from 42% to 127% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents 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 should be prepared to pay upwards of $5,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$128 | -9.7% |
| Alaska | $1,008 | -$308 | -23.4% |
| Arizona | $1,088 | -$228 | -17.3% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,498 | $182 | 13.8% |
| Colorado | $1,256 | -$60 | -4.6% |
| Connecticut | $1,350 | $34 | 2.6% |
| Delaware | $1,488 | $172 | 13.1% |
| Florida | $1,642 | $326 | 24.8% |
| Georgia | $1,212 | -$104 | -7.9% |
| Hawaii | $942 | -$374 | -28.4% |
| Idaho | $890 | -$426 | -32.4% |
| Illinois | $980 | -$336 | -25.5% |
| Indiana | $992 | -$324 | -24.6% |
| Iowa | $890 | -$426 | -32.4% |
| Kansas | $1,248 | -$68 | -5.2% |
| Kentucky | $1,790 | $474 | 36.0% |
| Louisiana | $1,946 | $630 | 47.9% |
| Maine | $810 | -$506 | -38.4% |
| Maryland | $1,084 | -$232 | -17.6% |
| Massachusetts | $1,050 | -$266 | -20.2% |
| Michigan | $2,284 | $968 | 73.6% |
| Minnesota | $1,100 | -$216 | -16.4% |
| Mississippi | $1,574 | $258 | 19.6% |
| Missouri | $1,166 | -$150 | -11.4% |
| Montana | $1,412 | $96 | 7.3% |
| Nebraska | $1,036 | -$280 | -21.3% |
| Nevada | $1,576 | $260 | 19.8% |
| New Hampshire | $946 | -$370 | -28.1% |
| New Jersey | $1,468 | $152 | 11.6% |
| New Mexico | $1,164 | -$152 | -11.6% |
| New York | $1,382 | $66 | 5.0% |
| North Carolina | $754 | -$562 | -42.7% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $906 | -$410 | -31.2% |
| Oklahoma | $1,348 | $32 | 2.4% |
| Oregon | $1,204 | -$112 | -8.5% |
| Pennsylvania | $1,252 | -$64 | -4.9% |
| Rhode Island | $1,754 | $438 | 33.3% |
| South Carolina | $1,190 | -$126 | -9.6% |
| South Dakota | $1,108 | -$208 | -15.8% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,584 | $268 | 20.4% |
| Utah | $974 | -$342 | -26.0% |
| Vermont | $898 | -$418 | -31.8% |
| Virginia | $786 | -$530 | -40.3% |
| Washington | $1,014 | -$302 | -22.9% |
| West Virginia | $1,204 | -$112 | -8.5% |
| Wisconsin | $912 | -$404 | -30.7% |
| Wyoming | $1,170 | -$146 | -11.1% |
Choosing high deductibles can save as much as $350 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $480 more each 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 2WD | $1,262 | $105 |
| Cadillac Escalade Luxury Edition 2WD | $1,268 | $106 |
| Cadillac Escalade 4WD | $1,268 | $106 |
| Cadillac Escalade Premium Edition 2WD | $1,284 | $107 |
| Cadillac Escalade Luxury Edition 4WD | $1,284 | $107 |
| Cadillac Escalade Premium Edition 4WD | $1,284 | $107 |
| Cadillac Escalade Hybrid 2WD | $1,254 | $105 |
| Cadillac Escalade Hybrid 4WD | $1,274 | $106 |
| Cadillac Escalade Platinum Edition 2WD | $1,310 | $109 |
| Cadillac Escalade Platinum Edition 4WD | $1,310 | $109 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,312 | $109 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,312 | $109 |
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 | $420 | $744 | $498 | $1,862 |
| 2023 Cadillac Escalade | $406 | $726 | $520 | $1,852 |
| 2022 Cadillac Escalade | $392 | $696 | $536 | $1,824 |
| 2021 Cadillac Escalade | $370 | $672 | $554 | $1,796 |
| 2020 Cadillac Escalade | $356 | $624 | $564 | $1,744 |
| 2019 Cadillac Escalade | $342 | $588 | $570 | $1,700 |
| 2018 Cadillac Escalade | $328 | $526 | $574 | $1,628 |
| 2017 Cadillac Escalade | $306 | $484 | $574 | $1,564 |
| 2016 Cadillac Escalade | $296 | $454 | $580 | $1,530 |
| 2015 Cadillac Escalade | $288 | $424 | $592 | $1,504 |
| 2014 Cadillac Escalade | $266 | $394 | $592 | $1,452 |
| 2013 Cadillac Escalade | $260 | $358 | $596 | $1,414 |
| 2012 Cadillac Escalade | $242 | $326 | $592 | $1,360 |
| 2011 Cadillac Escalade | $228 | $296 | $592 | $1,316 |
| 2010 Cadillac Escalade | $220 | $266 | $586 | $1,272 |
| 2009 Cadillac Escalade | $216 | $260 | $574 | $1,250 |
| 2008 Cadillac Escalade | $214 | $248 | $564 | $1,226 |
| 2007 Cadillac Escalade | $196 | $236 | $558 | $1,190 |
| 2006 Cadillac Escalade | $188 | $224 | $554 | $1,166 |
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 Low Cost Cadillac Escalade Insurance
Saving money on insurance for a Cadillac Escalade takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Shop around every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the coverage data presented in the illustrations above.
- You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $350 each year
- Drivers age 20 and younger pay higher rates, with premiums as much as $436 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,510 more each year to buy Cadillac Escalade insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,236 |
| 20 | $2,996 |
| 30 | $1,338 |
| 40 | $1,316 |
| 50 | $1,204 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,544 |
| $250 | $1,440 |
| $500 | $1,316 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,419 |
| 100/300 | $1,552 |
| 250/500 | $1,899 |
| 100 CSL | $1,472 |
| 300 CSL | $1,766 |
| 500 CSL | $1,980 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,386 |
| 20 | $4,776 |
| 30 | $2,850 |
| 40 | $2,824 |
| 50 | $2,700 |
| 60 | $2,670 |
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 | $67 |
| Multi-vehicle | $70 |
| Homeowner | $23 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $48 |
| Advance Quote | $58 |
| Online Quote | $89 |
| Total Discounts | $518 |
Discounts are estimated and may not be available from every company or in every state.
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