Cadillac Escalade Insurance Rates

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UPDATED: Apr 24, 2024

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Estimated insurance rates for a Cadillac Escalade are $1,360 a year for full coverage insurance. Comprehensive costs on average $242 each year, collision costs $326, and liability is $592. Liability-only coverage costs around $652 a year, with high-risk coverage costing around $2,922. Teens pay the most at $5,376 a year or more.

Average premium for full coverage: $1,360

Premium estimates by type of coverage:

Comprehensive $242
Collision $326
Liability $592

Estimates include $500 deductibles, 30/60 liability limits, and includes additional medical/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 go from the low end price of $652 for just the minimum liability insurance to a high rate of $2,922 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city 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 $1,020
Small Cities $1,428
Large Cities $1,836

These rate differences illustrate why all drivers should compare rates quotes 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.

Additional Rate Analysis

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

  • The cheapest rate after discounts is $818
  • Raising to $1,000 deductibles will save around $130 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,360
  • Selecting low deductibles bumps up the cost to $1,608
  • Drivers with serious driving violations could pay upwards of $2,922 or more
  • An auto insurance policy that insures a 16-year-old driver may cost $5,376

View Chart as Image

Cadillac Escalade insurance cost comparison chart
Column chart showing full coverage Cadillac Escalade insurance rates range from $818 to $5,376

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 $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac Escalade insurance prices. A middle-age driver might find prices as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,830 on average in Michigan, New York, and Florida.

Cadillac Escalade Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $380 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 $480 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, so the prices will be substantially different.

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 Find Low Cost Cadillac Escalade Insurance

Finding better rates on insurance for a Cadillac Escalade consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Compare rates at every policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the data presented in the illustrations above.

  • Insureds who require higher liability limits will pay approximately $650 annually to raise from 30/60 bodily injury limits to the 250/500 level
  • It is possible to save as much as $150 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $375 each year
  • Teens pay the highest prices, with premiums being up to $448 per month if full coverage is included

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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