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 including full coverage. Comprehensive costs on average $242 each year, collision costs $326, and liability coverage is $592. A policy with just liability insurance costs around $652 a year, with coverage for high-risk drivers costing around $2,922. Teen drivers receive the highest rates at $5,376 a year or more.

Average premium for full coverage: $1,360

Rate estimates by individual coverage type:

Comprehensive $242
Collision $326
Liability $592

Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Escalade models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the cheapest price of $652 for liability-only coverage 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

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how your location can change car insurance rates.

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

These examples highlight why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using 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 Charts and Tables

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

  • The lowest rate with discounts is $818
  • Raising to $1,000 deductibles will save around $130 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,360
  • Choosing low deductibles increases the price to $1,608
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,922 or more
  • The cost to insure a teenage 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 rates for a Cadillac Escalade can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Escalade.

Choosing high deductibles can reduce rates by up to $380 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $480 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 131% more than average. View High Risk Driver Rates

Where you live also has a big influence on Cadillac Escalade insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,940 on average in Michigan, New York, and Louisiana.

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

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and rates can be significantly 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 Shop for More Affordable Cadillac Escalade Insurance

Saving money on auto insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around at every policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a summary of the data illustrated above.

  • Consumers who require higher levels of liability will pay about $650 per year to raise from a minimum limit to a 250/500 level
  • You may be able to save as much as $150 per year simply by quoting online in advance
  • Increasing deductibles could save as much as $375 each year
  • Teenage drivers pay higher rates, as much as $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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