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Cadillac Escalade Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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Average insurance rates for a Cadillac Escalade are $1,876 a year including full coverage. Comprehensive costs around $438, collision costs $750, and liability is estimated at $488. Buying just liability costs approximately $566 a year, with insurance for high-risk drivers costing around $4,038. 16-year-old drivers receive the highest rates at $6,832 a year or more.

Average premium for full coverage: $1,876

Rate estimates for individual coverage type:

Comprehensive $438
Collision $750
Liability $488

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Escalade models.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $566 for minimum levels of liability insurance to the much higher price of $4,038 for a driver required to buy high-risk insurance.

Liability Only $566
Full Coverage $1,876
High Risk $4,038

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,407
Small Cities $1,970
Large Cities $2,533

These examples highlight why everyone should get quotes for a specific zip code and risk profile, instead of using rate 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 Rate Details

The chart below breaks down estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $1,076
  • Choosing higher $1,000 deductibles can save about $270 every year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,876
  • Buying pricier low deductibles for comp and collision coverage will increase the cost to $2,398
  • Unlucky drivers with multiple tickets or accidents could pay at least $4,038 or more
  • The cost for full coverage for a teen driver for full coverage can be $6,832 each year

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing full coverage Cadillac Escalade insurance rates range from $1,076 to $6,832

Auto 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.

A more mature driver with a good driving record and high deductibles may pay as little as $1,700 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $6,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac Escalade insurance prices. A good driver about age 40 could pay as low as $1,440 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,670 on average in Michigan, New York, and Louisiana.

Cadillac Escalade Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,694 -$182 -9.7%
Alaska $1,438 -$438 -23.3%
Arizona $1,552 -$324 -17.3%
Arkansas $1,876 -$0 0.0%
California $2,136 $260 13.9%
Colorado $1,790 -$86 -4.6%
Connecticut $1,926 $50 2.7%
Delaware $2,122 $246 13.1%
Florida $2,340 $464 24.7%
Georgia $1,730 -$146 -7.8%
Hawaii $1,344 -$532 -28.4%
Idaho $1,270 -$606 -32.3%
Illinois $1,398 -$478 -25.5%
Indiana $1,414 -$462 -24.6%
Iowa $1,270 -$606 -32.3%
Kansas $1,778 -$98 -5.2%
Kentucky $2,554 $678 36.1%
Louisiana $2,776 $900 48.0%
Maine $1,158 -$718 -38.3%
Maryland $1,546 -$330 -17.6%
Massachusetts $1,498 -$378 -20.1%
Michigan $3,254 $1,378 73.5%
Minnesota $1,568 -$308 -16.4%
Mississippi $2,246 $370 19.7%
Missouri $1,662 -$214 -11.4%
Montana $2,014 $138 7.4%
Nebraska $1,476 -$400 -21.3%
Nevada $2,246 $370 19.7%
New Hampshire $1,350 -$526 -28.0%
New Jersey $2,092 $216 11.5%
New Mexico $1,660 -$216 -11.5%
New York $1,972 $96 5.1%
North Carolina $1,078 -$798 -42.5%
North Dakota $1,534 -$342 -18.2%
Ohio $1,294 -$582 -31.0%
Oklahoma $1,922 $46 2.5%
Oregon $1,716 -$160 -8.5%
Pennsylvania $1,786 -$90 -4.8%
Rhode Island $2,502 $626 33.4%
South Carolina $1,698 -$178 -9.5%
South Dakota $1,582 -$294 -15.7%
Tennessee $1,638 -$238 -12.7%
Texas $2,256 $380 20.3%
Utah $1,388 -$488 -26.0%
Vermont $1,282 -$594 -31.7%
Virginia $1,122 -$754 -40.2%
Washington $1,448 -$428 -22.8%
West Virginia $1,716 -$160 -8.5%
Wisconsin $1,298 -$578 -30.8%
Wyoming $1,670 -$206 -11.0%

View Chart as Image

Cadillac Escalade insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $800 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $396 extra every 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 $2,200 to $3,000 in extra premium per year, depending on your age. Cadillac Escalade insurance for high-risk drivers ranges as much as 44% to 131% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

Cadillac Escalade Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Cadillac Escalade $438 $750 $488 $1,876
2019 Cadillac Escalade $420 $744 $498 $1,862
2018 Cadillac Escalade $406 $726 $520 $1,852
2017 Cadillac Escalade $392 $696 $536 $1,824
2016 Cadillac Escalade $370 $672 $554 $1,796
2015 Cadillac Escalade $356 $624 $564 $1,744
2014 Cadillac Escalade $342 $588 $570 $1,700
2013 Cadillac Escalade $328 $526 $574 $1,628
2012 Cadillac Escalade $306 $484 $574 $1,564
2011 Cadillac Escalade $296 $454 $580 $1,530
2010 Cadillac Escalade $288 $424 $592 $1,504
2009 Cadillac Escalade $266 $394 $592 $1,452
2008 Cadillac Escalade $260 $358 $596 $1,414
2007 Cadillac Escalade $242 $326 $592 $1,360
2006 Cadillac Escalade $228 $296 $592 $1,316
2005 Cadillac Escalade $220 $266 $586 $1,272
2004 Cadillac Escalade $216 $260 $574 $1,250
2003 Cadillac Escalade $214 $248 $564 $1,226
2002 Cadillac Escalade $196 $236 $558 $1,190

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 car insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a brief recap of the data covered in the above illustrations.

  • Policyholders who may need higher liability limits will pay around $540 per year to raise limits from a minimum limit to 250/500 limits
  • You may be able to save up to $230 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles can save around $800 each year
  • Teens are expensive to insure, as much as $569 per month if they have full coverage

Rates by Driver Age

Cadillac Escalade Insurance Rates by Driver Age
Driver Age Premium
16 $6,832
20 $4,300
30 $1,962
40 $1,876
50 $1,706
60 $1,674

Full coverage, $500 deductibles

Rates by Deductible

Cadillac Escalade Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,398
$250 $2,156
$500 $1,876
$1,000 $1,606

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,876
50/100 $2,072
100/300 $2,182
250/500 $2,468
100 CSL $2,116
300 CSL $2,358
500 CSL $2,534

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac Escalade Insurance Rates for High Risk Drivers
Age Premium
16 $9,770
20 $6,830
30 $4,136
40 $4,038
50 $3,850
60 $3,810

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 $258

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $101
Multi-vehicle $96
Homeowner $27
5-yr Accident Free $140
5-yr Claim Free $121
Paid in Full/EFT $88
Advance Quote $93
Online Quote $134
Total Discounts $800
Rate after discounts $1,076

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

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