Cadillac Escalade ESV Insurance Rates
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UPDATED: May 31, 2024
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The average insurance rates for a Cadillac Escalade ESV are $1,202 a year for full coverage insurance. Comprehensive costs on average $256 a year, collision costs $314, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,568. 16-year-old drivers cost the most to insure at $4,602 a year or more.
Average premium for full coverage: $1,202
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Escalade ESV trim levels.
Price Range Variability
For a 40-year-old driver, Cadillac Escalade ESV insurance rates go from the low end price of $522 for just liability insurance to a high of $2,568 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities.
The diagram below illustrates how your location can change car insurance rates.
The examples above illustrate why it is important to get quotes based on a specific location, instead of using 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.
More Rate Details
The chart below illustrates estimated Cadillac Escalade ESV insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $719
- Choosing higher $1,000 deductibles can save around $1,070 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,202
- Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,446
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,568 or more
- Policy cost that insures a teen driver may cost $4,602 each year
Car insurance rates for a Cadillac Escalade ESV also range considerably based on the trim level of your Escalade ESV, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $4,600 a year. View Rates by Age
Your home state plays a big part in determining prices for Cadillac Escalade ESV insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,620 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $380 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied.
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 Find the Best Cheap Cadillac Escalade ESV Insurance
Finding cheaper rates on car insurance takes having a decent driving record, having a positive credit history, being claim-free, and maximizing policy discounts. Comparison shop once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a quick review of the data that was illustrated above.
- It is possible to save as much as $140 per year simply by quoting early and online
- Policyholders who require additional liability coverage will pay around $520 annually to raise limits from a 30/60 limit to the 250/500 level
- 16 to 18-year-old drivers are expensive to insure, possibly costing $384 each month if full coverage is purchased
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,370 more each year than a driver with a clean driving record
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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