Cadillac Escalade Insurance Rates

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UPDATED: Apr 24, 2024

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Estimated insurance rates for a Cadillac Escalade are $1,360 a year for full coverage. Comprehensive costs on average $242 each year, collision insurance costs $326, and liability insurance costs around $592. A liability-only policy costs as low as $652 a year, and high-risk insurance costs around $2,922. 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:

Comprehensive $242
Collision $326
Liability $592

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Escalade models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Cadillac Escalade range from as low as $652 for just liability coverage to a high rate of $2,922 for a high-risk driver policy.

Liability Only $652
Full Coverage $1,360
High Risk $2,922

Insurance Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $1,020
Small Cities $1,428
Large Cities $1,836

These rate differences show why all drivers should compare prices based on a specific location and risk profile, rather than relying 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.

Detailed Rate Analysis

The chart below shows average Cadillac Escalade insurance rates for different risk profiles and scenarios.

  • The best discount rate is $818
  • Using higher $1,000 deductibles will save around $130 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,360
  • Using low deductibles for physical damage coverage will increase the cost to $1,608
  • Drivers who are prone to accidents and violations could pay upwards of $2,922
  • An auto insurance policy for full coverage for a teen driver may cost $5,376 or more

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing Cadillac Escalade insurance rates range from $818 to $5,376 for full coverage

Auto insurance prices for a Cadillac Escalade also have a wide range based on your driving characteristics, the trim level of your Escalade, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,300 a year. View Rates by Age

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 $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,940 on average in Michigan, Louisiana, and New York.

Cadillac Escalade Insurance Rates by State
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%

View Chart as Image

Cadillac Escalade insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $380 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $480 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

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 $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 Cheaper Cadillac Escalade Insurance

Finding better rates on Cadillac Escalade insurance requires being a low-risk driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The items below are a condensed summary of the information presented in the illustrations above.

  • Drivers can save as much as $150 per year just by quoting online in advance
  • Teen drivers are charged the highest prices, as much as $448 per month if they have full coverage
  • Increasing policy deductibles can save around $375 each year
  • High-risk drivers with multiple at-fault accidents will pay on average $1,560 more each year to insure their Escalade
  • Drivers who require more liability coverage will pay an extra $650 each year to increase from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Cadillac Escalade Insurance 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

Cadillac Escalade Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,608
$250 $1,496
$500 $1,360
$1,000 $1,230

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade Insurance Rates with Different Liability Limits
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

Cadillac Escalade Insurance 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.

SR-22 Surcharge $182

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
Rate after discounts $818

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

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