Cadillac Escalade Insurance Rates
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Michelle Robbins
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UPDATED: Jun 7, 2023
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U.S. average auto insurance rates for a Cadillac Escalade are $1,360 annually including full coverage. Comprehensive costs around $242, collision insurance costs $326, and liability costs $592. Liability-only coverage costs as little as $652 a year, and high-risk coverage costs around $2,922. Teen drivers pay the highest rates at up to $5,376 a year.
Average premium for full coverage: $1,360
Price estimates for individual coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Escalade models.
Price Range from Low to High
Using a 40-year-old driver as an example, Cadillac Escalade insurance prices range from as cheap as $652 for liability-only coverage to the much higher price of $2,922 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above highlight why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based 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.
Additional Charts and Tables
The chart below breaks down average Cadillac Escalade insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $818
- Drivers who choose higher $1,000 deductibles will pay about $130 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,360
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,608
- Drivers with multiple violations and an at-fault accident could pay at least $2,922
- The price with full coverage for a 16-year-old driver for full coverage can be $5,376 a year
Auto 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.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have 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 in extra premium each year, depending on your age. Cadillac Escalade insurance for high-risk drivers can cost from 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $380 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Cadillac Escalade insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,940 on average in Michigan, New York, and Louisiana.
| 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% |
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 Buy Cheaper Cadillac Escalade Insurance
Getting lower rates on insurance for a Cadillac Escalade not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a condensed summary of the ideas that were raised in the charts and tables above.
- Teenagers are expensive to insure, possibly costing $448 a month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,560 more every year for car insurance
- Increasing physical damage deductibles could save up to $375 each year
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
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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