Cadillac Escalade ESV Insurance Rates
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Michelle Robbins
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UPDATED: May 31, 2024
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Estimated insurance prices for a Cadillac Escalade ESV are $1,202 every 12 months with full coverage. Comprehensive costs around $256, collision costs $314, and liability is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy costing around $2,568. 16-year-old drivers pay the most at $4,602 a year or more.
Average premium for full coverage: $1,202
Premium estimates for type of coverage:
Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all Escalade ESV models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Cadillac Escalade ESV go from the cheapest price of $522 for minimum levels of liability insurance to the much higher price of $2,568 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities.
The example below illustrates how your location can change auto insurance rates.
These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on 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.
Additional Rate Details
The chart below details estimated Cadillac Escalade ESV insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $719
- Raising to $1,000 deductibles will save about $132 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,202
- Buying pricier low deductibles increases the price to $1,446
- Drivers with multiple tickets or accidents could pay at least $2,568 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage can be $4,602
Car insurance prices for a Cadillac Escalade ESV also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can reduce prices by up to $380 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. Cadillac Escalade ESV insurance for high-risk drivers is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Cadillac Escalade ESV insurance prices. A middle-age driver might find prices as low as $870 a year in states like New Hampshire, Ohio, and Utah, or at least $1,620 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,088 | -$114 | -9.5% |
| Alaska | $920 | -$282 | -23.5% |
| Arizona | $996 | -$206 | -17.1% |
| Arkansas | $1,202 | -$0 | 0.0% |
| California | $1,370 | $168 | 14.0% |
| Colorado | $1,148 | -$54 | -4.5% |
| Connecticut | $1,236 | $34 | 2.8% |
| Delaware | $1,362 | $160 | 13.3% |
| Florida | $1,504 | $302 | 25.1% |
| Georgia | $1,108 | -$94 | -7.8% |
| Hawaii | $864 | -$338 | -28.1% |
| Idaho | $812 | -$390 | -32.4% |
| Illinois | $894 | -$308 | -25.6% |
| Indiana | $904 | -$298 | -24.8% |
| Iowa | $812 | -$390 | -32.4% |
| Kansas | $1,144 | -$58 | -4.8% |
| Kentucky | $1,640 | $438 | 36.4% |
| Louisiana | $1,778 | $576 | 47.9% |
| Maine | $742 | -$460 | -38.3% |
| Maryland | $990 | -$212 | -17.6% |
| Massachusetts | $960 | -$242 | -20.1% |
| Michigan | $2,088 | $886 | 73.7% |
| Minnesota | $1,004 | -$198 | -16.5% |
| Mississippi | $1,438 | $236 | 19.6% |
| Missouri | $1,066 | -$136 | -11.3% |
| Montana | $1,292 | $90 | 7.5% |
| Nebraska | $948 | -$254 | -21.1% |
| Nevada | $1,442 | $240 | 20.0% |
| New Hampshire | $864 | -$338 | -28.1% |
| New Jersey | $1,342 | $140 | 11.6% |
| New Mexico | $1,064 | -$138 | -11.5% |
| New York | $1,266 | $64 | 5.3% |
| North Carolina | $692 | -$510 | -42.4% |
| North Dakota | $984 | -$218 | -18.1% |
| Ohio | $828 | -$374 | -31.1% |
| Oklahoma | $1,234 | $32 | 2.7% |
| Oregon | $1,100 | -$102 | -8.5% |
| Pennsylvania | $1,148 | -$54 | -4.5% |
| Rhode Island | $1,602 | $400 | 33.3% |
| South Carolina | $1,088 | -$114 | -9.5% |
| South Dakota | $1,014 | -$188 | -15.6% |
| Tennessee | $1,052 | -$150 | -12.5% |
| Texas | $1,448 | $246 | 20.5% |
| Utah | $890 | -$312 | -26.0% |
| Vermont | $824 | -$378 | -31.4% |
| Virginia | $720 | -$482 | -40.1% |
| Washington | $930 | -$272 | -22.6% |
| West Virginia | $1,100 | -$102 | -8.5% |
| Wisconsin | $834 | -$368 | -30.6% |
| Wyoming | $1,072 | -$130 | -10.8% |
With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade ESV 2WD | $1,162 | $97 |
| Cadillac Escalade ESV 4WD | $1,162 | $97 |
| Cadillac Escalade ESV Luxury Edition 2WD | $1,180 | $98 |
| Cadillac Escalade ESV Premium Edition 2WD | $1,180 | $98 |
| Cadillac Escalade ESV Luxury Edition 4WD | $1,180 | $98 |
| Cadillac Escalade ESV Premium Edition 4WD | $1,202 | $100 |
| Cadillac Escalade ESV Platinum Edition 2WD | $1,222 | $102 |
| Cadillac Escalade ESV Platinum Edition 4WD | $1,242 | $104 |
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 | $444 | $714 | $398 | $1,714 |
| 2023 Cadillac Escalade ESV | $430 | $698 | $416 | $1,702 |
| 2022 Cadillac Escalade ESV | $414 | $668 | $430 | $1,670 |
| 2021 Cadillac Escalade ESV | $392 | $646 | $442 | $1,638 |
| 2019 Cadillac Escalade ESV | $362 | $564 | $456 | $1,540 |
| 2018 Cadillac Escalade ESV | $346 | $506 | $460 | $1,470 |
| 2016 Cadillac Escalade ESV | $312 | $436 | $464 | $1,370 |
| 2014 Cadillac Escalade ESV | $282 | $378 | $474 | $1,292 |
| 2012 Cadillac Escalade ESV | $256 | $314 | $474 | $1,202 |
| 2010 Cadillac Escalade ESV | $234 | $256 | $468 | $1,116 |
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
Finding better rates on insurance for a Cadillac Escalade ESV consists of being a good driver, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around every couple of years by getting rate quotes from direct companies, and also from several local insurance agents.
The following list is a review of the material that was illustrated above.
- Insureds who may need an increased level of liability coverage will pay around $520 every year to raise from 30/60 bodily injury limits to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, possibly costing $384 per month if the policy includes full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,370 more every year than a safer driver
- Increasing policy deductibles could save as much as $375 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,602 |
| 20 | $2,710 |
| 30 | $1,238 |
| 40 | $1,202 |
| 50 | $1,098 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,338 |
| $500 | $1,202 |
| $1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,202 |
| 50/100 | $1,337 |
| 100/300 | $1,455 |
| 250/500 | $1,763 |
| 100 CSL | $1,384 |
| 300 CSL | $1,645 |
| 500 CSL | $1,835 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,516 |
| 20 | $4,316 |
| 30 | $2,604 |
| 40 | $2,568 |
| 50 | $2,450 |
| 60 | $2,424 |
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 | $63 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $84 |
| Total Discounts | $483 |
Discounts are estimated and may not be available from every company or in every state.
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