Cadillac Escalade ESV Insurance Rates

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UPDATED: May 31, 2024

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Average auto insurance rates for a Cadillac Escalade ESV are $1,252 annually for full coverage insurance. Comprehensive insurance costs an estimated $274, collision insurance costs $342, and liability insurance is $478. A liability-only policy costs around $526 a year, and high-risk insurance costs $2,682 or more. 16-year-old drivers receive the highest rates at up to $4,762 a year.

Average premium for full coverage: $1,252

Rate estimates broken down by individual coverage type:

Comprehensive $274
Collision $342
Liability $478

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different Escalade ESV trim levels.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as cheap as $526 for minimum levels of liability insurance to a much higher rate of $2,682 for a high-risk driver policy.

Liability Only $526
Full Coverage $1,252
High Risk $2,682

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than congested cities. The price range example below illustrates how your location can change insurance prices.

Rural Areas $939
Small Cities $1,315
Large Cities $1,690

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on 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.

Additional Rate Details

The chart below illustrates average Cadillac Escalade ESV insurance rates for other coverage scenarios.

  • The best full coverage rate is $745
  • Raising to $1,000 deductibles will save approximately $140 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,252
  • Buying more expensive low deductibles costs an additional $268 a year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,682
  • The cost with full coverage for a teen driver with full coverage can cost as much as $4,762

View Chart as Image

Cadillac Escalade ESV insurance cost comparison chart
Column chart showing Cadillac Escalade ESV insurance prices range from $745 to $4,762 for full coverage

Insurance rates for a Cadillac Escalade ESV can also vary considerably based on the trim level of your Escalade ESV, your risk profile, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $410 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $430 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Cadillac Escalade ESV insurance rates. A middle-age driver might find rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,690 on average in Florida, New York, and Michigan.

Cadillac Escalade ESV Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,134 -$118 -9.4%
Alaska $960 -$292 -23.3%
Arizona $1,040 -$212 -16.9%
Arkansas $1,252 -$0 0.0%
California $1,428 $176 14.1%
Colorado $1,198 -$54 -4.3%
Connecticut $1,288 $36 2.9%
Delaware $1,420 $168 13.4%
Florida $1,568 $316 25.2%
Georgia $1,156 -$96 -7.7%
Hawaii $900 -$352 -28.1%
Idaho $848 -$404 -32.3%
Illinois $934 -$318 -25.4%
Indiana $944 -$308 -24.6%
Iowa $846 -$406 -32.4%
Kansas $1,194 -$58 -4.6%
Kentucky $1,712 $460 36.7%
Louisiana $1,856 $604 48.2%
Maine $774 -$478 -38.2%
Maryland $1,032 -$220 -17.6%
Massachusetts $1,004 -$248 -19.8%
Michigan $2,180 $928 74.1%
Minnesota $1,050 -$202 -16.1%
Mississippi $1,502 $250 20.0%
Missouri $1,112 -$140 -11.2%
Montana $1,348 $96 7.7%
Nebraska $988 -$264 -21.1%
Nevada $1,504 $252 20.1%
New Hampshire $904 -$348 -27.8%
New Jersey $1,404 $152 12.1%
New Mexico $1,110 -$142 -11.3%
New York $1,322 $70 5.6%
North Carolina $722 -$530 -42.3%
North Dakota $1,026 -$226 -18.1%
Ohio $866 -$386 -30.8%
Oklahoma $1,288 $36 2.9%
Oregon $1,148 -$104 -8.3%
Pennsylvania $1,198 -$54 -4.3%
Rhode Island $1,672 $420 33.5%
South Carolina $1,136 -$116 -9.3%
South Dakota $1,058 -$194 -15.5%
Tennessee $1,098 -$154 -12.3%
Texas $1,514 $262 20.9%
Utah $930 -$322 -25.7%
Vermont $858 -$394 -31.5%
Virginia $750 -$502 -40.1%
Washington $968 -$284 -22.7%
West Virginia $1,148 -$104 -8.3%
Wisconsin $868 -$384 -30.7%
Wyoming $1,118 -$134 -10.7%

View Chart as Image

Cadillac Escalade ESV insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Cadillac Escalade ESV Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac Escalade ESV 2WD $1,210 $101
Cadillac Escalade ESV 4WD $1,210 $101
Cadillac Escalade ESV Luxury Edition 2WD $1,232 $103
Cadillac Escalade ESV Premium Edition 2WD $1,232 $103
Cadillac Escalade ESV Luxury Edition 4WD $1,232 $103
Cadillac Escalade ESV Premium Edition 4WD $1,252 $104
Cadillac Escalade ESV Platinum Edition 2WD $1,276 $106
Cadillac Escalade ESV Platinum Edition 4WD $1,298 $108

Rates assume 2012 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 ESV Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac Escalade ESV $464 $720 $390 $1,732
2023 Cadillac Escalade ESV $444 $714 $398 $1,714
2022 Cadillac Escalade ESV $430 $698 $416 $1,702
2021 Cadillac Escalade ESV $414 $668 $430 $1,670
2019 Cadillac Escalade ESV $376 $598 $452 $1,584
2018 Cadillac Escalade ESV $362 $564 $456 $1,540
2016 Cadillac Escalade ESV $324 $466 $460 $1,408
2014 Cadillac Escalade ESV $306 $406 $474 $1,344
2013 Cadillac Escalade ESV $282 $378 $474 $1,292
2012 Cadillac Escalade ESV $274 $342 $478 $1,252
2010 Cadillac Escalade ESV $242 $284 $474 $1,158

Rates are averaged for all Cadillac Escalade ESV models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Cadillac Escalade ESV Insurance

Saving money on Cadillac Escalade ESV insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The items below are a quick review of the information illustrated above.

  • It is possible to save approximately $150 per year just by shopping early and online
  • Teen drivers are charged the highest rates, costing up to $397 per month including comprehensive and collision insurance
  • Increasing deductibles could save up to $400 each year
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,430 more annually to insure their Escalade ESV
  • Drivers who want more liability coverage will pay around $530 annually to raise from a minimum limit to higher 250/500 limits

Rates by Driver Age

Cadillac Escalade ESV Insurance Rates by Driver Age
Driver Age Premium
16 $4,762
20 $2,828
30 $1,292
40 $1,252
50 $1,146
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Cadillac Escalade ESV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,520
$250 $1,400
$500 $1,252
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade ESV Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,252
50/100 $1,394
100/300 $1,513
250/500 $1,824
100 CSL $1,441
300 CSL $1,704
500 CSL $1,896

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac Escalade ESV Insurance Rates for High Risk Drivers
Age Premium
16 $6,754
20 $4,502
30 $2,724
40 $2,682
50 $2,558
60 $2,530

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 $166

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $65
Homeowner $21
5-yr Accident Free $81
5-yr Claim Free $79
Paid in Full/EFT $50
Advance Quote $57
Online Quote $88
Total Discounts $507
Rate after discounts $745

Discounts are estimated and may not be available from every company or in every state.

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