Cadillac Escalade Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Estimated insurance rates for a Cadillac Escalade are $1,824 a year for full coverage insurance. Comprehensive costs on average $392 each year, collision insurance costs $696, and liability costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs around $3,944. Teens pay the most at up to $6,782 a year.

Average premium for full coverage: $1,824

Premium estimates by type of coverage:

Comprehensive $392
Collision $696
Liability $536

Rates are based on $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Escalade models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Cadillac Escalade range from the low end price of $606 for just liability coverage to a high rate of $3,944 for a high-risk insurance policy.

Liability Only $606
Full Coverage $1,824
High Risk $3,944

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $1,368
Small Cities $1,915
Large Cities $2,462

These rate differences illustrate why all drivers should 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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $1,048
  • Drivers who choose higher $1,000 deductibles will pay around $246 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,824
  • Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $2,302
  • Drivers with serious driving violations could pay upwards of $3,944
  • An auto insurance policy that insures a 16-year-old driver may cost $6,782 a year

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing Cadillac Escalade insurance rates range from $1,048 to $6,782 for full coverage

Insurance prices for a Cadillac Escalade also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $2,100 to $3,000 additional annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 129% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,700 per year on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $6,700 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac Escalade insurance prices. A 40-year-old driver could pay as low as $1,190 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,460 on average in Michigan, New York, and Florida.

Cadillac Escalade Insurance Rates by State
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%

View Chart as Image

Cadillac Escalade insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $730 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $438 more each year. View Rates by Deductible or Liability Limit

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 $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 Cheap Cadillac Escalade Insurance

Finding better rates on insurance for a Cadillac Escalade not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates at least every other year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a quick review of the car insurance concepts presented in the illustrations above.

  • Drivers considered higher risk with a DUI or reckless driving violation may pay on average $2,120 more each year for Escalade insurance
  • It is possible to save as much as $220 per year just by quoting online in advance
  • Increasing policy deductibles can save approximately $725 each year
  • Insureds who require higher liability limits will pay approximately $590 annually to go from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Cadillac Escalade Insurance 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

Cadillac Escalade Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,302
$250 $2,080
$500 $1,824
$1,000 $1,578

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade Insurance Rates with Different Liability Limits
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

Cadillac Escalade Insurance 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.

SR-22 Surcharge $254

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
Rate after discounts $1,048

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

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