Cadillac Escalade Insurance Rates
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Michelle Robbins
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UPDATED: Apr 24, 2024
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U.S. average auto insurance rates for a Cadillac Escalade are $1,360 annually including full coverage. Comprehensive insurance costs an estimated $242 each year, collision costs $326, and liability costs around $592. Liability-only coverage costs as low as $652 a year, with high-risk coverage costing $2,922 or more. 16-year-old drivers pay the highest rates at $5,376 a year or more.
Average premium for full coverage: $1,360
Price estimates broken down by individual coverage:
Prices are based on $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Escalade models.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac Escalade insurance prices go from as cheap as $652 for just liability insurance to a high rate of $2,922 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using rate 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.
More Rate Details
The chart below breaks down estimated Cadillac Escalade insurance rates for other coverage scenarios.
- The best full coverage rate is $818
- Using higher $1,000 deductibles will save approximately $130 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,360
- Buying low deductibles for physical damage coverage costs an additional $248 every year
- Drivers with multiple tickets or accidents could pay up to $2,922 or more
- The price with full coverage for a teen driver can cost as much as $5,376 or more
Auto insurance prices for a Cadillac Escalade are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $380 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Cadillac Escalade insurance prices. A driver around age 40 might see prices as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,940 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,228 | -$132 | -9.7% |
| Alaska | $1,042 | -$318 | -23.4% |
| Arizona | $1,126 | -$234 | -17.2% |
| Arkansas | $1,360 | -$0 | 0.0% |
| California | $1,548 | $188 | 13.8% |
| Colorado | $1,296 | -$64 | -4.7% |
| Connecticut | $1,396 | $36 | 2.6% |
| Delaware | $1,538 | $178 | 13.1% |
| Florida | $1,698 | $338 | 24.9% |
| Georgia | $1,254 | -$106 | -7.8% |
| Hawaii | $974 | -$386 | -28.4% |
| Idaho | $922 | -$438 | -32.2% |
| Illinois | $1,012 | -$348 | -25.6% |
| Indiana | $1,024 | -$336 | -24.7% |
| Iowa | $920 | -$440 | -32.4% |
| Kansas | $1,290 | -$70 | -5.1% |
| Kentucky | $1,852 | $492 | 36.2% |
| Louisiana | $2,012 | $652 | 47.9% |
| Maine | $840 | -$520 | -38.2% |
| Maryland | $1,122 | -$238 | -17.5% |
| Massachusetts | $1,086 | -$274 | -20.1% |
| Michigan | $2,360 | $1,000 | 73.5% |
| Minnesota | $1,138 | -$222 | -16.3% |
| Mississippi | $1,628 | $268 | 19.7% |
| Missouri | $1,204 | -$156 | -11.5% |
| Montana | $1,462 | $102 | 7.5% |
| Nebraska | $1,070 | -$290 | -21.3% |
| Nevada | $1,630 | $270 | 19.9% |
| New Hampshire | $978 | -$382 | -28.1% |
| New Jersey | $1,518 | $158 | 11.6% |
| New Mexico | $1,204 | -$156 | -11.5% |
| New York | $1,428 | $68 | 5.0% |
| North Carolina | $782 | -$578 | -42.5% |
| North Dakota | $1,114 | -$246 | -18.1% |
| Ohio | $938 | -$422 | -31.0% |
| Oklahoma | $1,394 | $34 | 2.5% |
| Oregon | $1,246 | -$114 | -8.4% |
| Pennsylvania | $1,296 | -$64 | -4.7% |
| Rhode Island | $1,812 | $452 | 33.2% |
| South Carolina | $1,230 | -$130 | -9.6% |
| South Dakota | $1,146 | -$214 | -15.7% |
| Tennessee | $1,190 | -$170 | -12.5% |
| Texas | $1,638 | $278 | 20.4% |
| Utah | $1,006 | -$354 | -26.0% |
| Vermont | $930 | -$430 | -31.6% |
| Virginia | $812 | -$548 | -40.3% |
| Washington | $1,048 | -$312 | -22.9% |
| West Virginia | $1,246 | -$114 | -8.4% |
| Wisconsin | $942 | -$418 | -30.7% |
| Wyoming | $1,212 | -$148 | -10.9% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,300 | $108 |
| Cadillac Escalade Luxury Edition 2WD | $1,308 | $109 |
| Cadillac Escalade 4WD | $1,308 | $109 |
| Cadillac Escalade Premium Edition 2WD | $1,326 | $111 |
| Cadillac Escalade Luxury Edition 4WD | $1,326 | $111 |
| Cadillac Escalade Premium Edition 4WD | $1,326 | $111 |
| Cadillac Escalade Hybrid 2WD | $1,302 | $109 |
| Cadillac Escalade Hybrid 4WD | $1,322 | $110 |
| Cadillac Escalade Platinum Edition 2WD | $1,354 | $113 |
| Cadillac Escalade Platinum Edition 4WD | $1,354 | $113 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,362 | $114 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,362 | $114 |
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 | $438 | $750 | $488 | $1,876 |
| 2023 Cadillac Escalade | $420 | $744 | $498 | $1,862 |
| 2022 Cadillac Escalade | $406 | $726 | $520 | $1,852 |
| 2021 Cadillac Escalade | $392 | $696 | $536 | $1,824 |
| 2020 Cadillac Escalade | $370 | $672 | $554 | $1,796 |
| 2019 Cadillac Escalade | $356 | $624 | $564 | $1,744 |
| 2018 Cadillac Escalade | $342 | $588 | $570 | $1,700 |
| 2017 Cadillac Escalade | $328 | $526 | $574 | $1,628 |
| 2016 Cadillac Escalade | $306 | $484 | $574 | $1,564 |
| 2015 Cadillac Escalade | $296 | $454 | $580 | $1,530 |
| 2014 Cadillac Escalade | $288 | $424 | $592 | $1,504 |
| 2013 Cadillac Escalade | $266 | $394 | $592 | $1,452 |
| 2012 Cadillac Escalade | $260 | $358 | $596 | $1,414 |
| 2011 Cadillac Escalade | $242 | $326 | $592 | $1,360 |
| 2010 Cadillac Escalade | $228 | $296 | $592 | $1,316 |
| 2009 Cadillac Escalade | $220 | $266 | $586 | $1,272 |
| 2008 Cadillac Escalade | $216 | $260 | $574 | $1,250 |
| 2007 Cadillac Escalade | $214 | $248 | $564 | $1,226 |
| 2006 Cadillac Escalade | $196 | $236 | $558 | $1,190 |
| 2005 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 Buy Affordable Cadillac Escalade Insurance
Getting lower rates on car insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following is a brief review of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,560 more annually for Escalade insurance
- You may be able to save approximately $150 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $375 each year
- Policyholders who want higher liability limits will pay around $650 per year to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,376 |
| 20 | $3,100 |
| 30 | $1,388 |
| 40 | $1,360 |
| 50 | $1,246 |
| 60 | $1,218 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,608 |
| $250 | $1,496 |
| $500 | $1,360 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,360 |
| 50/100 | $1,469 |
| 100/300 | $1,602 |
| 250/500 | $1,949 |
| 100 CSL | $1,522 |
| 300 CSL | $1,816 |
| 500 CSL | $2,030 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,594 |
| 20 | $4,940 |
| 30 | $2,954 |
| 40 | $2,922 |
| 50 | $2,794 |
| 60 | $2,762 |
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 | $70 |
| Multi-vehicle | $73 |
| Homeowner | $23 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $51 |
| Advance Quote | $61 |
| Online Quote | $93 |
| Total Discounts | $542 |
Discounts are estimated and may not be available from every company or in every state.
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