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...

Insurance Lawyer

UPDATED: Apr 24, 2024

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Estimated auto insurance rates for a Cadillac Escalade are $1,414 annually for full coverage insurance. Comprehensive insurance costs on average $260 each year, collision costs $358, and liability insurance costs around $596. Liability-only insurance costs as low as $656 a year, with high-risk driver insurance costing $3,036 or more. 16-year-old drivers pay the most at $5,546 a year or more.

Average premium for full coverage: $1,414

Premium estimates by type of coverage:

Comprehensive $260
Collision $358
Liability $596

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Escalade models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Cadillac Escalade go from as cheap as $656 for a discount liability-only rate to a high rate of $3,036 for a driver required to buy high-risk insurance.

Liability Only $656
Full Coverage $1,414
High Risk $3,036

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than congested cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,061
Small Cities $1,485
Large Cities $1,909

These rate differences illustrate why all drivers should compare prices based on a specific location 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $848
  • Using higher $1,000 deductibles will save around $142 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,414
  • Buying low deductibles for physical damage coverage costs an additional $266 a year
  • Drivers with multiple tickets or accidents could pay upwards of $3,036 or more
  • An auto insurance policy with full coverage for a teen driver may cost $5,546 or more

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing full coverage Cadillac Escalade insurance prices range from $848 to $5,546

Insurance prices for a Cadillac Escalade also have a wide range based on the model of your Escalade, your risk profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $410 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $486 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Cadillac Escalade insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,900 on average in Michigan, New York, and Florida.

Cadillac Escalade Insurance Rates by State
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%

View Chart as Image

Cadillac Escalade insurance rates by U.S. city

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and prices will be substantially different between companies.

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 $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 Buy Low Cost Cadillac Escalade Insurance

Finding better rates on Cadillac Escalade insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by quoting rates from direct insurance companies, and also from local exclusive and independent agents.

The list below is a review of the data raised in the charts and tables above.

  • Drivers who require higher liability limits will pay around $660 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
  • It is possible to save as much as $160 per year simply by quoting online in advance
  • Increasing policy deductibles could save up to $400 each year
  • Teenagers pay higher prices, with premiums being up to $462 per month if they have full coverage

Rates by Driver Age

Cadillac Escalade Insurance 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

Cadillac Escalade Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,680
$250 $1,558
$500 $1,414
$1,000 $1,272

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade Insurance Rates with Different Liability Limits
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

Cadillac Escalade Insurance 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.

SR-22 Surcharge $190

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
Rate after discounts $848

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

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