Cadillac Escalade Insurance Rates
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UPDATED: Apr 24, 2024
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The average insurance rates for a Cadillac Escalade are $1,316 a year for full coverage. Comprehensive costs on average $228 each year, collision insurance costs $296, and liability is $592. Liability-only insurance costs around $652 a year, and high-risk driver insurance costs around $2,824. Teen drivers cost the most to insure at up to $5,236 a year.
Average premium for full coverage: $1,316
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Escalade models.
Price Range Variability
For a driver in their 40's, Cadillac Escalade insurance rates range from the low end price of $652 for minimum levels of liability insurance to a high rate of $2,824 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how location helps determine car insurance rates.
The examples above show why all drivers should compare rates quotes based on a specific location, instead of making a decision based 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.
Additional Rate Details
The chart below shows average Cadillac Escalade insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $798
- Raising to $1,000 deductibles will save around $120 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,316
- Choosing low deductibles bumps up the cost to $1,544
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,824
- Policy cost that insures a 16-year-old driver may cost $5,236
Auto insurance rates for a Cadillac Escalade also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 127% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,200 a year. View Rates by Age
Your home state also has a big influence on Cadillac Escalade insurance prices. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,188 | -$128 | -9.7% |
| Alaska | $1,008 | -$308 | -23.4% |
| Arizona | $1,088 | -$228 | -17.3% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,498 | $182 | 13.8% |
| Colorado | $1,256 | -$60 | -4.6% |
| Connecticut | $1,350 | $34 | 2.6% |
| Delaware | $1,488 | $172 | 13.1% |
| Florida | $1,642 | $326 | 24.8% |
| Georgia | $1,212 | -$104 | -7.9% |
| Hawaii | $942 | -$374 | -28.4% |
| Idaho | $890 | -$426 | -32.4% |
| Illinois | $980 | -$336 | -25.5% |
| Indiana | $992 | -$324 | -24.6% |
| Iowa | $890 | -$426 | -32.4% |
| Kansas | $1,248 | -$68 | -5.2% |
| Kentucky | $1,790 | $474 | 36.0% |
| Louisiana | $1,946 | $630 | 47.9% |
| Maine | $810 | -$506 | -38.4% |
| Maryland | $1,084 | -$232 | -17.6% |
| Massachusetts | $1,050 | -$266 | -20.2% |
| Michigan | $2,284 | $968 | 73.6% |
| Minnesota | $1,100 | -$216 | -16.4% |
| Mississippi | $1,574 | $258 | 19.6% |
| Missouri | $1,166 | -$150 | -11.4% |
| Montana | $1,412 | $96 | 7.3% |
| Nebraska | $1,036 | -$280 | -21.3% |
| Nevada | $1,576 | $260 | 19.8% |
| New Hampshire | $946 | -$370 | -28.1% |
| New Jersey | $1,468 | $152 | 11.6% |
| New Mexico | $1,164 | -$152 | -11.6% |
| New York | $1,382 | $66 | 5.0% |
| North Carolina | $754 | -$562 | -42.7% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $906 | -$410 | -31.2% |
| Oklahoma | $1,348 | $32 | 2.4% |
| Oregon | $1,204 | -$112 | -8.5% |
| Pennsylvania | $1,252 | -$64 | -4.9% |
| Rhode Island | $1,754 | $438 | 33.3% |
| South Carolina | $1,190 | -$126 | -9.6% |
| South Dakota | $1,108 | -$208 | -15.8% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,584 | $268 | 20.4% |
| Utah | $974 | -$342 | -26.0% |
| Vermont | $898 | -$418 | -31.8% |
| Virginia | $786 | -$530 | -40.3% |
| Washington | $1,014 | -$302 | -22.9% |
| West Virginia | $1,204 | -$112 | -8.5% |
| Wisconsin | $912 | -$404 | -30.7% |
| Wyoming | $1,170 | -$146 | -11.1% |
Choosing high deductibles can reduce rates by up to $350 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $480 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,262 | $105 |
| Cadillac Escalade Luxury Edition 2WD | $1,268 | $106 |
| Cadillac Escalade 4WD | $1,268 | $106 |
| Cadillac Escalade Premium Edition 2WD | $1,284 | $107 |
| Cadillac Escalade Luxury Edition 4WD | $1,284 | $107 |
| Cadillac Escalade Premium Edition 4WD | $1,284 | $107 |
| Cadillac Escalade Hybrid 2WD | $1,254 | $105 |
| Cadillac Escalade Hybrid 4WD | $1,274 | $106 |
| Cadillac Escalade Platinum Edition 2WD | $1,310 | $109 |
| Cadillac Escalade Platinum Edition 4WD | $1,310 | $109 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,312 | $109 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,312 | $109 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac Escalade | $420 | $744 | $498 | $1,862 |
| 2023 Cadillac Escalade | $406 | $726 | $520 | $1,852 |
| 2022 Cadillac Escalade | $392 | $696 | $536 | $1,824 |
| 2021 Cadillac Escalade | $370 | $672 | $554 | $1,796 |
| 2020 Cadillac Escalade | $356 | $624 | $564 | $1,744 |
| 2019 Cadillac Escalade | $342 | $588 | $570 | $1,700 |
| 2018 Cadillac Escalade | $328 | $526 | $574 | $1,628 |
| 2017 Cadillac Escalade | $306 | $484 | $574 | $1,564 |
| 2016 Cadillac Escalade | $296 | $454 | $580 | $1,530 |
| 2015 Cadillac Escalade | $288 | $424 | $592 | $1,504 |
| 2014 Cadillac Escalade | $266 | $394 | $592 | $1,452 |
| 2013 Cadillac Escalade | $260 | $358 | $596 | $1,414 |
| 2012 Cadillac Escalade | $242 | $326 | $592 | $1,360 |
| 2011 Cadillac Escalade | $228 | $296 | $592 | $1,316 |
| 2010 Cadillac Escalade | $220 | $266 | $586 | $1,272 |
| 2009 Cadillac Escalade | $216 | $260 | $574 | $1,250 |
| 2008 Cadillac Escalade | $214 | $248 | $564 | $1,226 |
| 2007 Cadillac Escalade | $196 | $236 | $558 | $1,190 |
| 2006 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 Cheap Cadillac Escalade Insurance
Finding cheaper rates on insurance for a Cadillac Escalade consists of having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.
The following items are a brief summary of the data that was covered in the charts and tables above.
- Drivers can save as much as $150 per year just by quoting online in advance
- Insureds who require additional liability coverage will pay about $650 each year to raise from a 30/60 limit to the 250/500 level
- 16 to 18-year-old drivers are charged the highest rates, costing up to $436 each month if the policy includes full coverage
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,510 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,236 |
| 20 | $2,996 |
| 30 | $1,338 |
| 40 | $1,316 |
| 50 | $1,204 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,544 |
| $250 | $1,440 |
| $500 | $1,316 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,419 |
| 100/300 | $1,552 |
| 250/500 | $1,899 |
| 100 CSL | $1,472 |
| 300 CSL | $1,766 |
| 500 CSL | $1,980 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,386 |
| 20 | $4,776 |
| 30 | $2,850 |
| 40 | $2,824 |
| 50 | $2,700 |
| 60 | $2,670 |
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 | $67 |
| Multi-vehicle | $70 |
| Homeowner | $23 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $48 |
| Advance Quote | $58 |
| Online Quote | $89 |
| Total Discounts | $518 |
Discounts are estimated and may not be available from every company or in every state.
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