Cadillac Escalade Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2023
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Estimated insurance rates for a Cadillac Escalade are $1,360 a year with full coverage. Comprehensive insurance costs approximately $242, collision insurance costs $326, and liability costs $592. A liability-only policy costs as little as $652 a year, and high-risk insurance costs $2,922 or more. Teenage drivers pay the most at up to $5,376 a year.
Average premium for full coverage: $1,360
Premium estimates by type of coverage:
Rates are based on $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Escalade trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Cadillac Escalade range from the low end price of $652 for the bare minimum liability coverage to a much higher rate of $2,922 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, instead of making a decision based on average rates.
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 details average Cadillac Escalade insurance rates for additional coverage and risk scenarios.
- The best discount rate is $818
- Drivers who choose higher $1,000 deductibles will pay $130 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,360
- Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $248 annually
- Drivers who are prone to accidents and violations could pay around $2,922
- An auto insurance policy that insures a 16-year-old driver with full coverage can cost $5,376 a year
Auto insurance prices for a Cadillac Escalade also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac Escalade insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,830 on average in New York, Michigan, and Florida.
| 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% |
Using high physical damage deductibles could save up to $380 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,300 | $108 |
| Cadillac Escalade Luxury Edition 2WD | $1,308 | $109 |
| Cadillac Escalade 4WD | $1,308 | $109 |
| Cadillac Escalade Premium Edition 2WD | $1,326 | $111 |
| Cadillac Escalade Luxury Edition 4WD | $1,326 | $111 |
| Cadillac Escalade Premium Edition 4WD | $1,326 | $111 |
| Cadillac Escalade Hybrid 2WD | $1,302 | $109 |
| Cadillac Escalade Hybrid 4WD | $1,322 | $110 |
| Cadillac Escalade Platinum Edition 2WD | $1,354 | $113 |
| Cadillac Escalade Platinum Edition 4WD | $1,354 | $113 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,362 | $114 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,362 | $114 |
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.
| 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 Find the Best Cheap Cadillac Escalade Insurance
Finding better rates on insurance for a Cadillac Escalade not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The following is a quick review of the primary concepts that were illustrated above.
- You may be able to save around $150 per year just by shopping early and online
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,560 more per year for Escalade insurance
- Increasing policy deductibles can save approximately $375 each year
- Teens have the highest car insurance prices, possibly costing $448 per month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,608 |
| $250 | $1,496 |
| $500 | $1,360 |
| $1,000 | $1,230 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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