Cadillac Escalade Insurance Rates
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UPDATED: Apr 24, 2024
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Average insurance rates for a Cadillac Escalade are $1,414 a year with full coverage. Comprehensive insurance costs around $260 a year, collision costs $358, and liability coverage is estimated at $596. Liability-only coverage costs approximately $656 a year, with high-risk coverage costing $3,036 or more. Teens receive the highest rates at $5,546 a year or more.
Average premium for full coverage: $1,414
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Escalade trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $656 for your basic liability-only policy to a high of $3,036 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion.
The diagram below illustrates how location impacts auto insurance rates.
These examples demonstrate why it is important to get quotes for a specific zip code, rather than using averaged prices.
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 Information
The chart below details estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $848
- Choosing higher $1,000 deductibles can save about $1,272 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,414
- Selecting low $100 deductibles for comp and collision coverage will cost an additional $266 each year
- Drivers with serious driving violations could pay at least $3,036 or more
- The cost that insures a teenage driver can be $5,546 each year
Car insurance rates for a Cadillac Escalade can also vary considerably based on the trim level of your Escalade, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges around 41% to 134% more than the average policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac Escalade insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $410 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out your exact price is to get quotes and see how they stack up. Each auto insurer calculates rates differently, so rate quotes 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 Find More Affordable Cadillac Escalade Insurance
Saving money on auto insurance takes being a good driver, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the data that was touched on above.
- You may be able to save up to $160 per year simply by quoting early and online
- Consumers who may need an increased level of liability coverage will pay approximately $660 every year to raise limits from a minimum limit to the 250/500 level
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $462 per month if full coverage is purchased
- Drivers who have multiple accidents or major violations may pay on average $1,620 more every year than a safer driver
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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