Cadillac Escalade Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Cadillac Escalade are $1,824 a year including full coverage. Comprehensive insurance costs around $392 each year, collision costs $696, and liability insurance is $536. A policy with just liability insurance costs around $606 a year, with coverage for high-risk drivers costing $3,944 or more. Teen drivers receive the highest rates at $6,782 a year or more.
Average premium for full coverage: $1,824
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Escalade models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $606 for just liability insurance to a high rate of $3,944 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying 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.
More Rate Details
The chart below breaks down estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,048
- Raising to $1,000 deductibles will save about $246 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,824
- Choosing low deductibles will cost an extra $478 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,944 or more
- The cost for full coverage for a teen driver can be $6,782
Insurance rates for a Cadillac Escalade can also vary considerably based on your driver profile, the model of your Escalade, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,700 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $6,700 a year. View Rates by Age
Where you live also has a big influence on Cadillac Escalade insurance rates. A middle-age driver might find rates as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,600 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,648 | -$176 | -9.6% |
| Alaska | $1,398 | -$426 | -23.4% |
| Arizona | $1,512 | -$312 | -17.1% |
| Arkansas | $1,824 | -$0 | 0.0% |
| California | $2,078 | $254 | 13.9% |
| Colorado | $1,740 | -$84 | -4.6% |
| Connecticut | $1,874 | $50 | 2.7% |
| Delaware | $2,064 | $240 | 13.2% |
| Florida | $2,276 | $452 | 24.8% |
| Georgia | $1,684 | -$140 | -7.7% |
| Hawaii | $1,308 | -$516 | -28.3% |
| Idaho | $1,236 | -$588 | -32.2% |
| Illinois | $1,358 | -$466 | -25.5% |
| Indiana | $1,372 | -$452 | -24.8% |
| Iowa | $1,232 | -$592 | -32.5% |
| Kansas | $1,732 | -$92 | -5.0% |
| Kentucky | $2,486 | $662 | 36.3% |
| Louisiana | $2,696 | $872 | 47.8% |
| Maine | $1,128 | -$696 | -38.2% |
| Maryland | $1,502 | -$322 | -17.7% |
| Massachusetts | $1,454 | -$370 | -20.3% |
| Michigan | $3,166 | $1,342 | 73.6% |
| Minnesota | $1,526 | -$298 | -16.3% |
| Mississippi | $2,182 | $358 | 19.6% |
| Missouri | $1,618 | -$206 | -11.3% |
| Montana | $1,958 | $134 | 7.3% |
| Nebraska | $1,434 | -$390 | -21.4% |
| Nevada | $2,184 | $360 | 19.7% |
| New Hampshire | $1,312 | -$512 | -28.1% |
| New Jersey | $2,036 | $212 | 11.6% |
| New Mexico | $1,614 | -$210 | -11.5% |
| New York | $1,916 | $92 | 5.0% |
| North Carolina | $1,048 | -$776 | -42.5% |
| North Dakota | $1,494 | -$330 | -18.1% |
| Ohio | $1,258 | -$566 | -31.0% |
| Oklahoma | $1,870 | $46 | 2.5% |
| Oregon | $1,670 | -$154 | -8.4% |
| Pennsylvania | $1,738 | -$86 | -4.7% |
| Rhode Island | $2,432 | $608 | 33.3% |
| South Carolina | $1,650 | -$174 | -9.5% |
| South Dakota | $1,538 | -$286 | -15.7% |
| Tennessee | $1,596 | -$228 | -12.5% |
| Texas | $2,194 | $370 | 20.3% |
| Utah | $1,352 | -$472 | -25.9% |
| Vermont | $1,246 | -$578 | -31.7% |
| Virginia | $1,092 | -$732 | -40.1% |
| Washington | $1,408 | -$416 | -22.8% |
| West Virginia | $1,670 | -$154 | -8.4% |
| Wisconsin | $1,262 | -$562 | -30.8% |
| Wyoming | $1,624 | -$200 | -11.0% |
Choosing high deductibles can reduce rates by up to $730 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $438 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $2,100 to $3,000 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,704 | $142 |
| Cadillac Escalade Luxury Edition 2WD | $1,716 | $143 |
| Cadillac Escalade 4WD | $1,716 | $143 |
| Cadillac Escalade Premium Edition 2WD | $1,756 | $146 |
| Cadillac Escalade Luxury Edition 4WD | $1,756 | $146 |
| Cadillac Escalade Premium Edition 4WD | $1,756 | $146 |
| Cadillac Escalade Hybrid 2WD | $1,798 | $150 |
| Cadillac Escalade Hybrid 4WD | $1,838 | $153 |
| Cadillac Escalade Platinum Edition 2WD | $1,806 | $151 |
| Cadillac Escalade Platinum Edition 4WD | $1,806 | $151 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,916 | $160 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,916 | $160 |
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 | $392 | $696 | $536 | $1,824 |
| 2018 Cadillac Escalade | $356 | $624 | $564 | $1,744 |
| 2017 Cadillac Escalade | $342 | $588 | $570 | $1,700 |
| 2016 Cadillac Escalade | $328 | $526 | $574 | $1,628 |
| 2015 Cadillac Escalade | $306 | $484 | $574 | $1,564 |
| 2012 Cadillac Escalade | $266 | $394 | $592 | $1,452 |
| 2011 Cadillac Escalade | $260 | $358 | $596 | $1,414 |
| 2010 Cadillac Escalade | $242 | $326 | $592 | $1,360 |
| 2009 Cadillac Escalade | $228 | $296 | $592 | $1,316 |
| 2008 Cadillac Escalade | $220 | $266 | $586 | $1,272 |
| 2007 Cadillac Escalade | $216 | $260 | $574 | $1,250 |
| 2006 Cadillac Escalade | $214 | $248 | $564 | $1,226 |
| 2005 Cadillac Escalade | $196 | $236 | $558 | $1,190 |
| 2004 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
Saving money on Cadillac Escalade insurance consists of being a good driver, having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to shop around every other policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a brief recap of the ideas that were raised in the charts and tables above.
- Drivers age 16 to 20 are charged the highest rates, as much as $565 per month including comprehensive and collision insurance
- High-risk drivers who tend to receive serious violations pay on average $2,120 more every year than a safer driver
- Increasing deductibles can save around $725 each year
- You may be able to save up to $220 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,782 |
| 20 | $4,200 |
| 30 | $1,898 |
| 40 | $1,824 |
| 50 | $1,664 |
| 60 | $1,632 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,302 |
| $250 | $2,080 |
| $500 | $1,824 |
| $1,000 | $1,578 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,824 |
| 50/100 | $2,013 |
| 100/300 | $2,135 |
| 250/500 | $2,451 |
| 100 CSL | $2,062 |
| 300 CSL | $2,329 |
| 500 CSL | $2,524 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,688 |
| 20 | $6,686 |
| 30 | $4,032 |
| 40 | $3,944 |
| 50 | $3,764 |
| 60 | $3,726 |
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 | $97 |
| Multi-vehicle | $96 |
| Homeowner | $27 |
| 5-yr Accident Free | $134 |
| 5-yr Claim Free | $118 |
| Paid in Full/EFT | $84 |
| Advance Quote | $90 |
| Online Quote | $130 |
| Total Discounts | $776 |
Discounts are estimated and may not be available from every company or in every state.
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