Cadillac Escalade Insurance Rates

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Cheap 2024 Cadillac Escalade Insurance Rates

Searching for lower insurance coverage rates for your Cadillac Escalade? Are you regretting buying an overpriced insurance coverage policy? It's quite common and there are many people just like you. Many insurance companies vie for your insurance dollar, so it's not easy to compare every company to find the lowest cost out there. It's a good idea to price shop coverage occasionally because prices ...

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UPDATED: Apr 24, 2024

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The average insurance prices for a Cadillac Escalade are $1,360 every 12 months for full coverage. Comprehensive insurance costs around $242 a year, collision insurance costs $326, and liability is $592. A liability-only policy costs around $652 a year, and high-risk insurance costs $2,922 or more. Teens cost the most to insure at up to $5,376 a year.

Average premium for full coverage: $1,360

Policy rates for type of insurance:

Comprehensive $242
Collision $326
Liability $592

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Escalade trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Cadillac Escalade insurance rates range from the cheapest price of $652 for just the minimum liability insurance to a high of $2,922 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

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

The examples above show why it is important to compare rates quotes for a specific zip code and their own driving history, 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 shows average Cadillac Escalade insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $818
  • Raising to $1,000 deductibles will save about $1,230 a year
  • The average price for a good driver age 40 using $500 deductibles is $1,360
  • Selecting low $100 deductibles costs an extra $248 annually
  • Drivers with serious driving violations could pay at least $2,922
  • Policy cost to insure a 16-year-old driver can be $5,376

View Chart as Image

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

Car insurance rates for a Cadillac Escalade also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $380 annually, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Cadillac Escalade insurance prices. A middle-age driver might find rates as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,940 on average in Michigan, Louisiana, and New York.

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

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 the Cheapest Cadillac Escalade Insurance

Finding cheaper rates on insurance for a Cadillac Escalade consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around every other policy renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a recap of the ideas that were raised in the charts and tables above.

  • Drivers under the age of 20 are the costliest to insure, costing up to $448 each month if the policy includes full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,560 more every year to insure a Cadillac Escalade
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • Drivers can save up to $150 per year just by quoting early and online

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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