Cadillac Escalade ESV Insurance Rates
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UPDATED: May 31, 2024
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Estimated auto insurance rates for a Cadillac Escalade ESV are $1,202 annually including full coverage. Comprehensive insurance costs on average $256, collision insurance costs $314, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,568 or more. Teenage drivers pay the most at up to $4,602 a year.
Average premium for full coverage: $1,202
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Escalade ESV models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Cadillac Escalade ESV range from as cheap as $522 for just the minimum liability insurance to the much higher price of $2,568 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how location helps determine car insurance rates.
These rate differences highlight why everyone should compare rates based on a specific location and their own personal driving habits, rather than using average rates.
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 breaks down average Cadillac Escalade ESV insurance rates for different risk profiles and scenarios.
- The best discount rate is $719
- Drivers who choose higher $1,000 deductibles will pay around $132 every year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,202
- Using pricier low deductibles for comprehensive and collision insurance costs an additional $244 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,568
- An auto insurance policy with full coverage for a teenage driver for full coverage may cost $4,602 a year
Insurance prices for a Cadillac Escalade ESV also have a wide range based on the model of your Escalade ESV, your driving characteristics, and policy deductibles and limits.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Cadillac Escalade ESV insurance for high-risk drivers can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $380 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Cadillac Escalade ESV insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,720 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,088 | -$114 | -9.5% |
| Alaska | $920 | -$282 | -23.5% |
| Arizona | $996 | -$206 | -17.1% |
| Arkansas | $1,202 | -$0 | 0.0% |
| California | $1,370 | $168 | 14.0% |
| Colorado | $1,148 | -$54 | -4.5% |
| Connecticut | $1,236 | $34 | 2.8% |
| Delaware | $1,362 | $160 | 13.3% |
| Florida | $1,504 | $302 | 25.1% |
| Georgia | $1,108 | -$94 | -7.8% |
| Hawaii | $864 | -$338 | -28.1% |
| Idaho | $812 | -$390 | -32.4% |
| Illinois | $894 | -$308 | -25.6% |
| Indiana | $904 | -$298 | -24.8% |
| Iowa | $812 | -$390 | -32.4% |
| Kansas | $1,144 | -$58 | -4.8% |
| Kentucky | $1,640 | $438 | 36.4% |
| Louisiana | $1,778 | $576 | 47.9% |
| Maine | $742 | -$460 | -38.3% |
| Maryland | $990 | -$212 | -17.6% |
| Massachusetts | $960 | -$242 | -20.1% |
| Michigan | $2,088 | $886 | 73.7% |
| Minnesota | $1,004 | -$198 | -16.5% |
| Mississippi | $1,438 | $236 | 19.6% |
| Missouri | $1,066 | -$136 | -11.3% |
| Montana | $1,292 | $90 | 7.5% |
| Nebraska | $948 | -$254 | -21.1% |
| Nevada | $1,442 | $240 | 20.0% |
| New Hampshire | $864 | -$338 | -28.1% |
| New Jersey | $1,342 | $140 | 11.6% |
| New Mexico | $1,064 | -$138 | -11.5% |
| New York | $1,266 | $64 | 5.3% |
| North Carolina | $692 | -$510 | -42.4% |
| North Dakota | $984 | -$218 | -18.1% |
| Ohio | $828 | -$374 | -31.1% |
| Oklahoma | $1,234 | $32 | 2.7% |
| Oregon | $1,100 | -$102 | -8.5% |
| Pennsylvania | $1,148 | -$54 | -4.5% |
| Rhode Island | $1,602 | $400 | 33.3% |
| South Carolina | $1,088 | -$114 | -9.5% |
| South Dakota | $1,014 | -$188 | -15.6% |
| Tennessee | $1,052 | -$150 | -12.5% |
| Texas | $1,448 | $246 | 20.5% |
| Utah | $890 | -$312 | -26.0% |
| Vermont | $824 | -$378 | -31.4% |
| Virginia | $720 | -$482 | -40.1% |
| Washington | $930 | -$272 | -22.6% |
| West Virginia | $1,100 | -$102 | -8.5% |
| Wisconsin | $834 | -$368 | -30.6% |
| Wyoming | $1,072 | -$130 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade ESV 2WD | $1,162 | $97 |
| Cadillac Escalade ESV 4WD | $1,162 | $97 |
| Cadillac Escalade ESV Luxury Edition 2WD | $1,180 | $98 |
| Cadillac Escalade ESV Premium Edition 2WD | $1,180 | $98 |
| Cadillac Escalade ESV Luxury Edition 4WD | $1,180 | $98 |
| Cadillac Escalade ESV Premium Edition 4WD | $1,202 | $100 |
| Cadillac Escalade ESV Platinum Edition 2WD | $1,222 | $102 |
| Cadillac Escalade ESV Platinum Edition 4WD | $1,242 | $104 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac Escalade ESV | $444 | $714 | $398 | $1,714 |
| 2023 Cadillac Escalade ESV | $430 | $698 | $416 | $1,702 |
| 2022 Cadillac Escalade ESV | $414 | $668 | $430 | $1,670 |
| 2021 Cadillac Escalade ESV | $392 | $646 | $442 | $1,638 |
| 2019 Cadillac Escalade ESV | $362 | $564 | $456 | $1,540 |
| 2018 Cadillac Escalade ESV | $346 | $506 | $460 | $1,470 |
| 2016 Cadillac Escalade ESV | $312 | $436 | $464 | $1,370 |
| 2014 Cadillac Escalade ESV | $282 | $378 | $474 | $1,292 |
| 2013 Cadillac Escalade ESV | $274 | $342 | $478 | $1,252 |
| 2012 Cadillac Escalade ESV | $256 | $314 | $474 | $1,202 |
| 2010 Cadillac Escalade ESV | $234 | $256 | $468 | $1,116 |
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 Low Cost Cadillac Escalade ESV Insurance
Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit history, refrain from filing small claims, and determing if full coverage is necessary. Invest time comparing rates at least once a year by requesting rates from direct car insurance companies, and also from several local insurance agents.
The following items are a review of the primary concepts that were covered in the charts and tables above.
- You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
- Drivers who have several accidents or serious violations pay on average $1,370 more each year than a driver with a clean driving record
- Increasing policy deductibles could save up to $375 each year
- 16 to 18-year-old drivers pay the highest prices, with the cost nearing $384 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,602 |
| 20 | $2,710 |
| 30 | $1,238 |
| 40 | $1,202 |
| 50 | $1,098 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,446 |
| $250 | $1,338 |
| $500 | $1,202 |
| $1,000 | $1,070 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,202 |
| 50/100 | $1,337 |
| 100/300 | $1,455 |
| 250/500 | $1,763 |
| 100 CSL | $1,384 |
| 300 CSL | $1,645 |
| 500 CSL | $1,835 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,516 |
| 20 | $4,316 |
| 30 | $2,604 |
| 40 | $2,568 |
| 50 | $2,450 |
| 60 | $2,424 |
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 | $63 |
| Multi-vehicle | $62 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $47 |
| Advance Quote | $54 |
| Online Quote | $84 |
| Total Discounts | $483 |
Discounts are estimated and may not be available from every company or in every state.
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