Cadillac Escalade ESV Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 31, 2024

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U.S. average insurance rates for a Cadillac Escalade ESV are $1,292 a year for full coverage insurance. Comprehensive insurance costs an estimated $282 each year, collision costs $378, and liability insurance costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,768 or more. 16-year-old drivers pay the highest rates at $4,890 a year or more.

Average premium for full coverage: $1,292

Price estimates broken down by individual coverage:

Comprehensive $282
Collision $378
Liability $474

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Escalade ESV models.

Price Range from Low to High

Using a middle-aged driver as an example, Cadillac Escalade ESV insurance prices go from the low end price of $522 for just liability insurance to a high rate of $2,768 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,292
High Risk $2,768

Geographic Price Range

Your location has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how where you live affects insurance prices.

Rural Areas $969
Small Cities $1,357
Large Cities $1,744

The ranges above illustrate why all drivers should compare rates for a targeted area, rather than relying 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.

More Rate Details

The chart below illustrates estimated Cadillac Escalade ESV insurance rates for other coverage scenarios.

  • The best full coverage rate is $764
  • Drivers who choose higher $1,000 deductibles will pay approximately $152 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,292
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $288 a year
  • High risk drivers with multiple tickets or accidents could pay up to $2,768 or more
  • The price that insures a teen driver can cost as much as $4,890 a year

View Chart as Image

Cadillac Escalade ESV insurance cost comparison chart
Column chart showing full coverage Cadillac Escalade ESV insurance prices range from $764 to $4,890

Car insurance prices for a Cadillac Escalade ESV are also quite variable based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,800 a year. View Rates by Age

The state you live in makes a big difference in Cadillac Escalade ESV insurance rates. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,750 on average in Florida, New York, and Michigan.

Cadillac Escalade ESV Insurance Rates by State
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%

View Chart as Image

Cadillac Escalade ESV insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $440 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

Cadillac Escalade ESV Insurance Rates by Model and Trim Level
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.

Cadillac Escalade ESV Insurance Rates by Model Year
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 Find the Right Cadillac Escalade ESV Insurance

Getting lower rates on Cadillac Escalade ESV insurance not only requires having a good driving record, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Comparison shop at least every other year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the car insurance concepts touched on in the above illustrations.

  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,480 more annually to buy Cadillac Escalade ESV insurance
  • It is possible to save approximately $150 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save approximately $450 each year
  • Drivers who want increased levels of liability coverage will pay around $520 annually to go from a low limit to the 250/500 level

Rates by Driver Age

Cadillac Escalade ESV Insurance 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

Cadillac Escalade ESV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,580
$250 $1,448
$500 $1,292
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade ESV Insurance Rates with Different Liability Limits
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

Cadillac Escalade ESV Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $764

Discounts are estimated and may not be available from every company or in every state.

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