Cadillac Escalade Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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: Apr 24, 2024
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U.S. average insurance rates for a Cadillac Escalade are $1,316 a year including full coverage. Comprehensive insurance costs on average $228 a year, collision costs $296, and liability costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing $2,824 or more. Teens pay the highest rates at $5,236 a year or more.
Average premium for full coverage: $1,316
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Escalade trim levels.
Price Range from Low to High
For a 40-year-old driver, Cadillac Escalade insurance prices go from the low end price of $652 for the bare minimum liability coverage to a high of $2,824 for a high-risk insurance policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how your location can change car insurance rates.
The ranges above highlight why it is important to compare rates based on a specific location, instead of making a decision based on averaged prices.
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 breaks down estimated Cadillac Escalade insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $798
- Drivers who choose higher $1,000 deductibles will pay around $1,196 every year
- The estimated price for the average middle-age driver with $500 deductibles is $1,316
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $228 annually
- Drivers with serious driving violations could pay upwards of $2,824 or more
- The price that insures a 16-year-old driver may cost $5,236 a year
Auto insurance prices for a Cadillac Escalade are also quite variable based on the trim level of your Escalade, your driving record and age, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 127% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,200 a year. View Rates by Age
The state you live in makes a big difference in Cadillac Escalade insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,880 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$128 | -9.7% |
| Alaska | $1,008 | -$308 | -23.4% |
| Arizona | $1,088 | -$228 | -17.3% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,498 | $182 | 13.8% |
| Colorado | $1,256 | -$60 | -4.6% |
| Connecticut | $1,350 | $34 | 2.6% |
| Delaware | $1,488 | $172 | 13.1% |
| Florida | $1,642 | $326 | 24.8% |
| Georgia | $1,212 | -$104 | -7.9% |
| Hawaii | $942 | -$374 | -28.4% |
| Idaho | $890 | -$426 | -32.4% |
| Illinois | $980 | -$336 | -25.5% |
| Indiana | $992 | -$324 | -24.6% |
| Iowa | $890 | -$426 | -32.4% |
| Kansas | $1,248 | -$68 | -5.2% |
| Kentucky | $1,790 | $474 | 36.0% |
| Louisiana | $1,946 | $630 | 47.9% |
| Maine | $810 | -$506 | -38.4% |
| Maryland | $1,084 | -$232 | -17.6% |
| Massachusetts | $1,050 | -$266 | -20.2% |
| Michigan | $2,284 | $968 | 73.6% |
| Minnesota | $1,100 | -$216 | -16.4% |
| Mississippi | $1,574 | $258 | 19.6% |
| Missouri | $1,166 | -$150 | -11.4% |
| Montana | $1,412 | $96 | 7.3% |
| Nebraska | $1,036 | -$280 | -21.3% |
| Nevada | $1,576 | $260 | 19.8% |
| New Hampshire | $946 | -$370 | -28.1% |
| New Jersey | $1,468 | $152 | 11.6% |
| New Mexico | $1,164 | -$152 | -11.6% |
| New York | $1,382 | $66 | 5.0% |
| North Carolina | $754 | -$562 | -42.7% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $906 | -$410 | -31.2% |
| Oklahoma | $1,348 | $32 | 2.4% |
| Oregon | $1,204 | -$112 | -8.5% |
| Pennsylvania | $1,252 | -$64 | -4.9% |
| Rhode Island | $1,754 | $438 | 33.3% |
| South Carolina | $1,190 | -$126 | -9.6% |
| South Dakota | $1,108 | -$208 | -15.8% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,584 | $268 | 20.4% |
| Utah | $974 | -$342 | -26.0% |
| Vermont | $898 | -$418 | -31.8% |
| Virginia | $786 | -$530 | -40.3% |
| Washington | $1,014 | -$302 | -22.9% |
| West Virginia | $1,204 | -$112 | -8.5% |
| Wisconsin | $912 | -$404 | -30.7% |
| Wyoming | $1,170 | -$146 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $350 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $480 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company calculates prices differently, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,262 | $105 |
| Cadillac Escalade Luxury Edition 2WD | $1,268 | $106 |
| Cadillac Escalade 4WD | $1,268 | $106 |
| Cadillac Escalade Premium Edition 2WD | $1,284 | $107 |
| Cadillac Escalade Luxury Edition 4WD | $1,284 | $107 |
| Cadillac Escalade Premium Edition 4WD | $1,284 | $107 |
| Cadillac Escalade Hybrid 2WD | $1,254 | $105 |
| Cadillac Escalade Hybrid 4WD | $1,274 | $106 |
| Cadillac Escalade Platinum Edition 2WD | $1,310 | $109 |
| Cadillac Escalade Platinum Edition 4WD | $1,310 | $109 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,312 | $109 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,312 | $109 |
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 | $420 | $744 | $498 | $1,862 |
| 2023 Cadillac Escalade | $406 | $726 | $520 | $1,852 |
| 2022 Cadillac Escalade | $392 | $696 | $536 | $1,824 |
| 2021 Cadillac Escalade | $370 | $672 | $554 | $1,796 |
| 2020 Cadillac Escalade | $356 | $624 | $564 | $1,744 |
| 2019 Cadillac Escalade | $342 | $588 | $570 | $1,700 |
| 2018 Cadillac Escalade | $328 | $526 | $574 | $1,628 |
| 2017 Cadillac Escalade | $306 | $484 | $574 | $1,564 |
| 2016 Cadillac Escalade | $296 | $454 | $580 | $1,530 |
| 2015 Cadillac Escalade | $288 | $424 | $592 | $1,504 |
| 2014 Cadillac Escalade | $266 | $394 | $592 | $1,452 |
| 2013 Cadillac Escalade | $260 | $358 | $596 | $1,414 |
| 2012 Cadillac Escalade | $242 | $326 | $592 | $1,360 |
| 2011 Cadillac Escalade | $228 | $296 | $592 | $1,316 |
| 2010 Cadillac Escalade | $220 | $266 | $586 | $1,272 |
| 2009 Cadillac Escalade | $216 | $260 | $574 | $1,250 |
| 2008 Cadillac Escalade | $214 | $248 | $564 | $1,226 |
| 2007 Cadillac Escalade | $196 | $236 | $558 | $1,190 |
| 2006 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 Cadillac Escalade Insurance
Getting lower rates on insurance for a Cadillac Escalade not only requires having a decent driving record, but also maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare rates at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The following items are a brief recap of the car insurance concepts illustrated above.
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,510 more each year than a driver with a clean driving record
- You may be able to save as much as $150 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $350 each year
- Insureds who require additional liability coverage will pay approximately $650 per year to go from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,236 |
| 20 | $2,996 |
| 30 | $1,338 |
| 40 | $1,316 |
| 50 | $1,204 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,544 |
| $250 | $1,440 |
| $500 | $1,316 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,419 |
| 100/300 | $1,552 |
| 250/500 | $1,899 |
| 100 CSL | $1,472 |
| 300 CSL | $1,766 |
| 500 CSL | $1,980 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,386 |
| 20 | $4,776 |
| 30 | $2,850 |
| 40 | $2,824 |
| 50 | $2,700 |
| 60 | $2,670 |
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 | $67 |
| Multi-vehicle | $70 |
| Homeowner | $23 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $48 |
| Advance Quote | $58 |
| Online Quote | $89 |
| Total Discounts | $518 |
Discounts are estimated and may not be available from every company or in every state.
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