Cadillac Escalade Insurance Rates

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UPDATED: Apr 24, 2024

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U.S. average auto insurance rates for a Cadillac Escalade are $1,360 annually including full coverage. Comprehensive insurance costs around $242, collision insurance costs $326, and liability insurance is estimated at $592. Buying just liability costs approximately $652 a year, and insurance for high-risk drivers costs $2,922 or more. 16-year-old drivers pay the highest rates at up to $5,376 a year.

Average premium for full coverage: $1,360

Price estimates for individual coverage:

Comprehensive $242
Collision $326
Liability $592

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Escalade trim levels.

Price Range from Low to High

For the average 40-year-old driver, Cadillac Escalade insurance prices range from as cheap as $652 for minimum levels of liability insurance to a much higher rate of $2,922 for a driver who requires high-risk insurance.

Liability Only $652
Full Coverage $1,360
High Risk $2,922

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities. The price range example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code 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 Details

The chart below breaks down average Cadillac Escalade insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $818
  • Choosing higher $1,000 deductibles can save about $130 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,360
  • Buying more expensive low deductibles for comp and collision coverage costs an additional $248 a year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,922
  • The price with full coverage for a teen driver with full coverage can be $5,376 each year

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing Cadillac Escalade insurance prices range from $818 to $5,376 for full coverage

Insurance prices for a Cadillac Escalade are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,600 to $2,300 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $380 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 more each 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 $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,940 on average in Michigan, New York, and Louisiana.

Cadillac Escalade Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$132 -9.7%
Alaska $1,042 -$318 -23.4%
Arizona $1,126 -$234 -17.2%
Arkansas $1,360 -$0 0.0%
California $1,548 $188 13.8%
Colorado $1,296 -$64 -4.7%
Connecticut $1,396 $36 2.6%
Delaware $1,538 $178 13.1%
Florida $1,698 $338 24.9%
Georgia $1,254 -$106 -7.8%
Hawaii $974 -$386 -28.4%
Idaho $922 -$438 -32.2%
Illinois $1,012 -$348 -25.6%
Indiana $1,024 -$336 -24.7%
Iowa $920 -$440 -32.4%
Kansas $1,290 -$70 -5.1%
Kentucky $1,852 $492 36.2%
Louisiana $2,012 $652 47.9%
Maine $840 -$520 -38.2%
Maryland $1,122 -$238 -17.5%
Massachusetts $1,086 -$274 -20.1%
Michigan $2,360 $1,000 73.5%
Minnesota $1,138 -$222 -16.3%
Mississippi $1,628 $268 19.7%
Missouri $1,204 -$156 -11.5%
Montana $1,462 $102 7.5%
Nebraska $1,070 -$290 -21.3%
Nevada $1,630 $270 19.9%
New Hampshire $978 -$382 -28.1%
New Jersey $1,518 $158 11.6%
New Mexico $1,204 -$156 -11.5%
New York $1,428 $68 5.0%
North Carolina $782 -$578 -42.5%
North Dakota $1,114 -$246 -18.1%
Ohio $938 -$422 -31.0%
Oklahoma $1,394 $34 2.5%
Oregon $1,246 -$114 -8.4%
Pennsylvania $1,296 -$64 -4.7%
Rhode Island $1,812 $452 33.2%
South Carolina $1,230 -$130 -9.6%
South Dakota $1,146 -$214 -15.7%
Tennessee $1,190 -$170 -12.5%
Texas $1,638 $278 20.4%
Utah $1,006 -$354 -26.0%
Vermont $930 -$430 -31.6%
Virginia $812 -$548 -40.3%
Washington $1,048 -$312 -22.9%
West Virginia $1,246 -$114 -8.4%
Wisconsin $942 -$418 -30.7%
Wyoming $1,212 -$148 -10.9%

View Chart as Image

Cadillac Escalade insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

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.

Cadillac Escalade Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac Escalade $438 $750 $488 $1,876
2023 Cadillac Escalade $420 $744 $498 $1,862
2022 Cadillac Escalade $406 $726 $520 $1,852
2021 Cadillac Escalade $392 $696 $536 $1,824
2020 Cadillac Escalade $370 $672 $554 $1,796
2019 Cadillac Escalade $356 $624 $564 $1,744
2018 Cadillac Escalade $342 $588 $570 $1,700
2017 Cadillac Escalade $328 $526 $574 $1,628
2016 Cadillac Escalade $306 $484 $574 $1,564
2015 Cadillac Escalade $296 $454 $580 $1,530
2014 Cadillac Escalade $288 $424 $592 $1,504
2013 Cadillac Escalade $266 $394 $592 $1,452
2012 Cadillac Escalade $260 $358 $596 $1,414
2011 Cadillac Escalade $242 $326 $592 $1,360
2010 Cadillac Escalade $228 $296 $592 $1,316
2009 Cadillac Escalade $220 $266 $586 $1,272
2008 Cadillac Escalade $216 $260 $574 $1,250
2007 Cadillac Escalade $214 $248 $564 $1,226
2006 Cadillac Escalade $196 $236 $558 $1,190
2005 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 Low Cost Cadillac Escalade Insurance

Getting lower rates on Cadillac Escalade insurance takes not taking risks behind the wheel, having good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a review of the concepts that were touched on in this article.

  • High-risk drivers who have several accidents or serious violations may pay on average $1,560 more every year for Escalade insurance
  • Teens are charged the highest prices, possibly costing $448 a month if they have full coverage
  • You may be able to save up to $150 per year just by shopping early and online
  • Increasing physical damage deductibles could save up to $375 each year
  • You may be able to save up to $150 per year just by shopping early and online

Rates by Driver Age

Cadillac Escalade Insurance Rates by Driver Age
Driver Age Premium
16 $5,376
20 $3,100
30 $1,388
40 $1,360
50 $1,246
60 $1,218

Full coverage, $500 deductibles

Rates by Deductible

Cadillac Escalade Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,608
$250 $1,496
$500 $1,360
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,469
100/300 $1,602
250/500 $1,949
100 CSL $1,522
300 CSL $1,816
500 CSL $2,030

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac Escalade Insurance Rates for High Risk Drivers
Age Premium
16 $7,594
20 $4,940
30 $2,954
40 $2,922
50 $2,794
60 $2,762

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $73
Homeowner $23
5-yr Accident Free $85
5-yr Claim Free $86
Paid in Full/EFT $51
Advance Quote $61
Online Quote $93
Total Discounts $542
Rate after discounts $818

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

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