Cadillac Escalade Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 8, 2021

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Average insurance rates for a Cadillac Escalade are $1,862 a year for full coverage. Comprehensive costs on average $420 a year, collision costs $744, and liability insurance costs $498. A liability-only policy costs as little as $574 a year, with high-risk insurance costing around $4,020. Teen drivers receive the highest rates at $6,834 a year or more.

Average premium for full coverage: $1,862

Rate estimates by individual coverage type:

Comprehensive $420
Collision $744
Liability $498

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Escalade trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $574 for only liability insurance to a high of $4,020 for a high risk driver.

Liability Only $574
Full Coverage $1,862
High Risk $4,020

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,397
Small Cities $1,955
Large Cities $2,514

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Cadillac Escalade insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $1,067
  • Drivers who choose higher $1,000 deductibles will pay around $1,596 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,862
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,374
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $4,020 or more
  • The cost for full coverage for a teen driver may cost $6,834 a year

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing full coverage Cadillac Escalade insurance rates range from $1,067 to $6,834

for a Cadillac Escalade can also vary considerably based on your driver profile, the trim level of your Escalade, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $6,800 a year. View Rates by Age

Where you live makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $1,230 a year in states like Idaho, Maine, and Iowa, or as much as $2,650 on average in Michigan, Louisiana, and New York.

Cadillac Escalade Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,682 -$180 -9.7%
Alaska $1,426 -$436 -23.4%
Arizona $1,544 -$318 -17.1%
Arkansas $1,862 -$0 0.0%
California $2,120 $258 13.9%
Colorado $1,778 -$84 -4.5%
Connecticut $1,912 $50 2.7%
Delaware $2,106 $244 13.1%
Florida $2,324 $462 24.8%
Georgia $1,718 -$144 -7.7%
Hawaii $1,336 -$526 -28.2%
Idaho $1,262 -$600 -32.2%
Illinois $1,386 -$476 -25.6%
Indiana $1,404 -$458 -24.6%
Iowa $1,258 -$604 -32.4%
Kansas $1,768 -$94 -5.0%
Kentucky $2,538 $676 36.3%
Louisiana $2,756 $894 48.0%
Maine $1,150 -$712 -38.2%
Maryland $1,536 -$326 -17.5%
Massachusetts $1,488 -$374 -20.1%
Michigan $3,232 $1,370 73.6%
Minnesota $1,560 -$302 -16.2%
Mississippi $2,228 $366 19.7%
Missouri $1,650 -$212 -11.4%
Montana $2,000 $138 7.4%
Nebraska $1,464 -$398 -21.4%
Nevada $2,230 $368 19.8%
New Hampshire $1,340 -$522 -28.0%
New Jersey $2,078 $216 11.6%
New Mexico $1,650 -$212 -11.4%
New York $1,958 $96 5.2%
North Carolina $1,070 -$792 -42.5%
North Dakota $1,526 -$336 -18.0%
Ohio $1,286 -$576 -30.9%
Oklahoma $1,910 $48 2.6%
Oregon $1,704 -$158 -8.5%
Pennsylvania $1,776 -$86 -4.6%
Rhode Island $2,482 $620 33.3%
South Carolina $1,686 -$176 -9.5%
South Dakota $1,570 -$292 -15.7%
Tennessee $1,630 -$232 -12.5%
Texas $2,242 $380 20.4%
Utah $1,376 -$486 -26.1%
Vermont $1,270 -$592 -31.8%
Virginia $1,114 -$748 -40.2%
Washington $1,436 -$426 -22.9%
West Virginia $1,704 -$158 -8.5%
Wisconsin $1,288 -$574 -30.8%
Wyoming $1,658 -$204 -11.0%

View Chart as Image

Cadillac Escalade insurance rates by U.S. city

Choosing high deductibles could save up to $780 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $405 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $2,200 to $3,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $420 $744 $498 $1,862
2018 Cadillac Escalade $392 $696 $536 $1,824
2017 Cadillac Escalade $370 $672 $554 $1,796
2016 Cadillac Escalade $356 $624 $564 $1,744
2015 Cadillac Escalade $342 $588 $570 $1,700
2012 Cadillac Escalade $296 $454 $580 $1,530
2011 Cadillac Escalade $288 $424 $592 $1,504
2010 Cadillac Escalade $266 $394 $592 $1,452
2009 Cadillac Escalade $260 $358 $596 $1,414
2008 Cadillac Escalade $242 $326 $592 $1,360
2007 Cadillac Escalade $228 $296 $592 $1,316
2006 Cadillac Escalade $220 $266 $586 $1,272
2005 Cadillac Escalade $216 $260 $574 $1,250
2004 Cadillac Escalade $214 $248 $564 $1,226
2003 Cadillac Escalade $196 $236 $558 $1,190
2002 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 Find Cheaper Cadillac Escalade Insurance

Saving money on Cadillac Escalade insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $775 each year
  • Drivers can save as much as $230 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $550 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $570 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $2,160 more each year for insurance

Rates by Driver Age

Cadillac Escalade Insurance Rates by Driver Age
Driver Age Premium
16 $6,834
20 $4,282
30 $1,946
40 $1,862
50 $1,696
60 $1,664

Full coverage, $500 deductibles

Rates by Deductible

Cadillac Escalade Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,374
$250 $2,138
$500 $1,862
$1,000 $1,596

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,862
50/100 $2,058
100/300 $2,171
250/500 $2,463
100 CSL $2,103
300 CSL $2,351
500 CSL $2,531

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac Escalade Insurance Rates for High Risk Drivers
Age Premium
16 $9,772
20 $6,810
30 $4,116
40 $4,020
50 $3,834
60 $3,798

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 $100
Multi-vehicle $96
Homeowner $27
5-yr Accident Free $139
5-yr Claim Free $120
Paid in Full/EFT $87
Advance Quote $93
Online Quote $133
Total Discounts $795
Rate after discounts $1,067

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

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