Cadillac Escalade 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...

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UPDATED: Jun 6, 2023

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U.S. average auto insurance rates for a Cadillac Escalade are $1,852 annually for full coverage. Comprehensive insurance costs an estimated $406 a year, collision insurance costs $726, and liability insurance is estimated at $520. A policy with just liability insurance costs approximately $592 a year, and coverage for high-risk drivers costs $4,002 or more. 16-year-old drivers pay the highest rates at up to $6,844 a year.

Average premium for full coverage: $1,852

Price estimates broken down by individual coverage:

Comprehensive $406
Collision $726
Liability $520

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Escalade trim levels.

Price Range from Low to High

For the average driver, Cadillac Escalade insurance prices range from as cheap as $592 for the bare minimum liability coverage to a high of $4,002 for high-risk insurance.

Liability Only $592
Full Coverage $1,852
High Risk $4,002

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations have fewer accident claims than congested cities. The diagram below illustrates how location impacts insurance prices.

Rural Areas $1,389
Small Cities $1,945
Large Cities $2,500

The ranges above show why it is important to get quotes for a targeted area and their own personal driving habits, 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.

Additional Rate Information

The chart below shows average Cadillac Escalade insurance rates for other coverage scenarios.

  • The best full coverage rate is $1,062
  • Choosing higher $1,000 deductibles can save approximately $1,594 a year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,852
  • Buying low $100 deductibles for comp and collision coverage costs an additional $500 a year
  • High-risk insureds with multiple tickets or accidents could pay up to $4,002
  • The price with full coverage for a teen driver can cost as much as $6,844 each year

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing Cadillac Escalade insurance prices range from $1,062 to $6,844 for full coverage

Insurance prices for a Cadillac Escalade are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $6,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $2,200 to $3,000 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $760 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $423 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Cadillac Escalade insurance rates. A good driver about age 40 could pay as low as $1,220 a year in states like Iowa, Maine, and Idaho, or at least $2,640 on average in New York, Louisiana, and Michigan.

Cadillac Escalade Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,672 -$180 -9.7%
Alaska $1,416 -$436 -23.5%
Arizona $1,534 -$318 -17.2%
Arkansas $1,852 -$0 0.0%
California $2,108 $256 13.8%
Colorado $1,766 -$86 -4.6%
Connecticut $1,900 $48 2.6%
Delaware $2,094 $242 13.1%
Florida $2,312 $460 24.8%
Georgia $1,706 -$146 -7.9%
Hawaii $1,328 -$524 -28.3%
Idaho $1,254 -$598 -32.3%
Illinois $1,380 -$472 -25.5%
Indiana $1,396 -$456 -24.6%
Iowa $1,252 -$600 -32.4%
Kansas $1,756 -$96 -5.2%
Kentucky $2,522 $670 36.2%
Louisiana $2,740 $888 47.9%
Maine $1,142 -$710 -38.3%
Maryland $1,528 -$324 -17.5%
Massachusetts $1,478 -$374 -20.2%
Michigan $3,214 $1,362 73.5%
Minnesota $1,550 -$302 -16.3%
Mississippi $2,218 $366 19.8%
Missouri $1,642 -$210 -11.3%
Montana $1,990 $138 7.5%
Nebraska $1,458 -$394 -21.3%
Nevada $2,220 $368 19.9%
New Hampshire $1,332 -$520 -28.1%
New Jersey $2,068 $216 11.7%
New Mexico $1,638 -$214 -11.6%
New York $1,946 $94 5.1%
North Carolina $1,066 -$786 -42.4%
North Dakota $1,516 -$336 -18.1%
Ohio $1,278 -$574 -31.0%
Oklahoma $1,900 $48 2.6%
Oregon $1,696 -$156 -8.4%
Pennsylvania $1,764 -$88 -4.8%
Rhode Island $2,468 $616 33.3%
South Carolina $1,676 -$176 -9.5%
South Dakota $1,560 -$292 -15.8%
Tennessee $1,620 -$232 -12.5%
Texas $2,228 $376 20.3%
Utah $1,370 -$482 -26.0%
Vermont $1,264 -$588 -31.7%
Virginia $1,108 -$744 -40.2%
Washington $1,428 -$424 -22.9%
West Virginia $1,696 -$156 -8.4%
Wisconsin $1,280 -$572 -30.9%
Wyoming $1,648 -$204 -11.0%

View Chart as Image

Cadillac Escalade insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Cadillac Escalade $406 $726 $520 $1,852
2018 Cadillac Escalade $370 $672 $554 $1,796
2017 Cadillac Escalade $356 $624 $564 $1,744
2016 Cadillac Escalade $342 $588 $570 $1,700
2015 Cadillac Escalade $328 $526 $574 $1,628
2012 Cadillac Escalade $288 $424 $592 $1,504
2011 Cadillac Escalade $266 $394 $592 $1,452
2010 Cadillac Escalade $260 $358 $596 $1,414
2009 Cadillac Escalade $242 $326 $592 $1,360
2008 Cadillac Escalade $228 $296 $592 $1,316
2007 Cadillac Escalade $220 $266 $586 $1,272
2006 Cadillac Escalade $216 $260 $574 $1,250
2005 Cadillac Escalade $214 $248 $564 $1,226
2004 Cadillac Escalade $196 $236 $558 $1,190
2003 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 the Right Cadillac Escalade Insurance

Getting lower rates on Cadillac Escalade insurance takes being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a quick rundown of the material that was touched on above.

  • Drivers who want more liability coverage will pay around $570 each year to raise limits from a low limit to higher 250/500 limits
  • Teen drivers are charged the highest prices, with premiums as much as $570 a month including comprehensive and collision insurance
  • High-risk drivers with reckless driving or DUI convictions may pay on average $2,150 more annually to insure their Escalade
  • Increasing physical damage deductibles could save up to $750 each year

Rates by Driver Age

Cadillac Escalade Insurance Rates by Driver Age
Driver Age Premium
16 $6,844
20 $4,264
30 $1,934
40 $1,852
50 $1,688
60 $1,656

Full coverage, $500 deductibles

Rates by Deductible

Cadillac Escalade Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,352
$250 $2,118
$500 $1,852
$1,000 $1,594

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,852
50/100 $2,046
100/300 $2,164
250/500 $2,469
100 CSL $2,093
300 CSL $2,352
500 CSL $2,540

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac Escalade Insurance Rates for High Risk Drivers
Age Premium
16 $9,782
20 $6,786
30 $4,094
40 $4,002
50 $3,818
60 $3,782

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 $258

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $99
Multi-vehicle $96
Homeowner $27
5-yr Accident Free $138
5-yr Claim Free $120
Paid in Full/EFT $86
Advance Quote $92
Online Quote $132
Total Discounts $790
Rate after discounts $1,062

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

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