Cadillac Escalade Insurance Rates

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UPDATED: Apr 24, 2024

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Average insurance prices for a Cadillac Escalade are $1,360 every 12 months for full coverage. Comprehensive costs around $242, collision insurance costs $326, and liability insurance costs $592. Buying just liability costs as little as $652 a year, and insurance for high-risk drivers costs around $2,922. Teens receive the highest rates at up to $5,376 a year.

Average premium for full coverage: $1,360

Rate estimates for individual coverage type:

Comprehensive $242
Collision $326
Liability $592

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Escalade trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from the cheapest price of $652 for a discount liability-only rate to a much higher rate of $2,922 for a driver who has had serious violations or accidents.

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

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

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

These examples show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than relying 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.

Rates by State, City, and Model

The chart below shows average Cadillac Escalade insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $818
  • Drivers who choose higher $1,000 deductibles will pay about $130 a year
  • The average price for a 40-year-old driver using $500 deductibles is $1,360
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,608
  • High risk drivers with serious driving violations could pay at least $2,922
  • The cost to insure a teen driver with full coverage can be $5,376 a year

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 rates for a Cadillac Escalade can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $480 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Cadillac Escalade insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $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

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 Shop for the Cheapest Cadillac Escalade Insurance

Saving money on Cadillac Escalade insurance not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a recap of the ideas that were touched on above.

  • Drivers age 16 to 20 are expensive to insure, costing as high as $448 per month if comprehensive and collision insurance is included
  • High-risk drivers that have major violations or accidents may pay on average $1,560 more every year than a safer driver
  • Increasing deductibles could save as much as $375 each year
  • Drivers can save up to $150 per year just by shopping early and online

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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