Cadillac Escalade Insurance Rates
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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:
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.
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.
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
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.
| 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% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,728 | $144 |
| Cadillac Escalade Luxury Edition 2WD | $1,742 | $145 |
| Cadillac Escalade 4WD | $1,742 | $145 |
| Cadillac Escalade Premium Edition 2WD | $1,782 | $149 |
| Cadillac Escalade Luxury Edition 4WD | $1,782 | $149 |
| Cadillac Escalade Premium Edition 4WD | $1,782 | $149 |
| Cadillac Escalade Hybrid 2WD | $1,828 | $152 |
| Cadillac Escalade Hybrid 4WD | $1,870 | $156 |
| Cadillac Escalade Platinum Edition 2WD | $1,836 | $153 |
| Cadillac Escalade Platinum Edition 4WD | $1,836 | $153 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,952 | $163 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,952 | $163 |
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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,352 |
| $250 | $2,118 |
| $500 | $1,852 |
| $1,000 | $1,594 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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