Cadillac Escalade Insurance Rates
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UPDATED: Apr 24, 2024
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Average insurance rates for a Cadillac Escalade are $1,414 a year for full coverage. Comprehensive insurance costs around $260, collision costs $358, and liability is estimated at $596. Liability-only coverage costs approximately $656 a year, with high-risk coverage costing $3,036 or more. 16-year-old drivers receive the highest rates at $5,546 a year or more.
Average premium for full coverage: $1,414
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Escalade models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $656 for basic liability insurance to the much higher price of $3,036 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than congested cities.
The example below illustrates how where you live affects auto insurance rates.
These examples show why everyone should get quotes for a specific zip code, 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.
Rate Comparisons
The chart below shows estimated Cadillac Escalade insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $848
- Choosing higher $1,000 deductibles can save about $142 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,414
- Buying pricier low deductibles for comp and collision coverage will cost an additional $266 every year
- Unlucky drivers with multiple tickets or accidents could pay at least $3,036 or more
- The cost that insures a teen driver for full coverage can be $5,546 each year
Car insurance rates for a Cadillac Escalade can also vary considerably based on the model of your Escalade, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,300 extra per year, depending on your age. Cadillac Escalade insurance for high-risk drivers ranges as much as 41% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,500 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 $930 a year in states like Idaho, Maine, and Iowa, or at least $2,010 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$138 | -9.8% |
| Alaska | $1,082 | -$332 | -23.5% |
| Arizona | $1,172 | -$242 | -17.1% |
| Arkansas | $1,414 | -$0 | 0.0% |
| California | $1,610 | $196 | 13.9% |
| Colorado | $1,350 | -$64 | -4.5% |
| Connecticut | $1,450 | $36 | 2.5% |
| Delaware | $1,600 | $186 | 13.2% |
| Florida | $1,764 | $350 | 24.8% |
| Georgia | $1,304 | -$110 | -7.8% |
| Hawaii | $1,012 | -$402 | -28.4% |
| Idaho | $958 | -$456 | -32.2% |
| Illinois | $1,052 | -$362 | -25.6% |
| Indiana | $1,066 | -$348 | -24.6% |
| Iowa | $958 | -$456 | -32.2% |
| Kansas | $1,340 | -$74 | -5.2% |
| Kentucky | $1,926 | $512 | 36.2% |
| Louisiana | $2,090 | $676 | 47.8% |
| Maine | $872 | -$542 | -38.3% |
| Maryland | $1,164 | -$250 | -17.7% |
| Massachusetts | $1,128 | -$286 | -20.2% |
| Michigan | $2,450 | $1,036 | 73.3% |
| Minnesota | $1,182 | -$232 | -16.4% |
| Mississippi | $1,690 | $276 | 19.5% |
| Missouri | $1,254 | -$160 | -11.3% |
| Montana | $1,518 | $104 | 7.4% |
| Nebraska | $1,112 | -$302 | -21.4% |
| Nevada | $1,694 | $280 | 19.8% |
| New Hampshire | $1,016 | -$398 | -28.1% |
| New Jersey | $1,578 | $164 | 11.6% |
| New Mexico | $1,250 | -$164 | -11.6% |
| New York | $1,486 | $72 | 5.1% |
| North Carolina | $814 | -$600 | -42.4% |
| North Dakota | $1,156 | -$258 | -18.2% |
| Ohio | $976 | -$438 | -31.0% |
| Oklahoma | $1,448 | $34 | 2.4% |
| Oregon | $1,294 | -$120 | -8.5% |
| Pennsylvania | $1,348 | -$66 | -4.7% |
| Rhode Island | $1,884 | $470 | 33.2% |
| South Carolina | $1,278 | -$136 | -9.6% |
| South Dakota | $1,192 | -$222 | -15.7% |
| Tennessee | $1,236 | -$178 | -12.6% |
| Texas | $1,700 | $286 | 20.2% |
| Utah | $1,046 | -$368 | -26.0% |
| Vermont | $966 | -$448 | -31.7% |
| Virginia | $846 | -$568 | -40.2% |
| Washington | $1,090 | -$324 | -22.9% |
| West Virginia | $1,296 | -$118 | -8.3% |
| Wisconsin | $980 | -$434 | -30.7% |
| Wyoming | $1,260 | -$154 | -10.9% |
Opting for high physical damage deductibles can save as much as $410 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $486 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade 2WD | $1,346 | $112 |
| Cadillac Escalade Luxury Edition 2WD | $1,354 | $113 |
| Cadillac Escalade 4WD | $1,354 | $113 |
| Cadillac Escalade Premium Edition 2WD | $1,376 | $115 |
| Cadillac Escalade Luxury Edition 4WD | $1,376 | $115 |
| Cadillac Escalade Premium Edition 4WD | $1,376 | $115 |
| Cadillac Escalade Hybrid 2WD | $1,358 | $113 |
| Cadillac Escalade Hybrid 4WD | $1,380 | $115 |
| Cadillac Escalade Platinum Edition 2WD | $1,406 | $117 |
| Cadillac Escalade Platinum Edition 4WD | $1,406 | $117 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,422 | $119 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,422 | $119 |
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 | $458 | $780 | $466 | $1,904 |
| 2023 Cadillac Escalade | $438 | $750 | $488 | $1,876 |
| 2022 Cadillac Escalade | $420 | $744 | $498 | $1,862 |
| 2021 Cadillac Escalade | $406 | $726 | $520 | $1,852 |
| 2020 Cadillac Escalade | $392 | $696 | $536 | $1,824 |
| 2019 Cadillac Escalade | $370 | $672 | $554 | $1,796 |
| 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 |
| 2014 Cadillac Escalade | $296 | $454 | $580 | $1,530 |
| 2013 Cadillac Escalade | $288 | $424 | $592 | $1,504 |
| 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 |
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 Low Cost Cadillac Escalade Insurance
Saving money on car insurance takes avoiding accidents and claims, having a positive credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a review of the data touched on in the above illustrations.
- Policyholders who may need increased liability limits will pay around $660 each year to raise limits from a minimum limit to the 250/500 level
- Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $400 each year
- Drivers under the age of 20 are the costliest to insure, costing as high as $462 per month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,546 |
| 20 | $3,222 |
| 30 | $1,446 |
| 40 | $1,414 |
| 50 | $1,292 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,680 |
| $250 | $1,558 |
| $500 | $1,414 |
| $1,000 | $1,272 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,414 |
| 50/100 | $1,530 |
| 100/300 | $1,665 |
| 250/500 | $2,016 |
| 100 CSL | $1,584 |
| 300 CSL | $1,881 |
| 500 CSL | $2,097 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,844 |
| 20 | $5,132 |
| 30 | $3,074 |
| 40 | $3,036 |
| 50 | $2,902 |
| 60 | $2,868 |
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 | $73 |
| Multi-vehicle | $75 |
| Homeowner | $24 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $54 |
| Advance Quote | $64 |
| Online Quote | $97 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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