Cadillac Escalade ESV Insurance Rates

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UPDATED: May 31, 2024

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Estimated insurance rates for a Cadillac Escalade ESV are $1,252 a year for full coverage insurance. Comprehensive insurance costs on average $274 a year, collision costs $342, and liability insurance costs $478. A liability-only policy costs as little as $526 a year, with high-risk insurance costing $2,682 or more. 16-year-old drivers pay the most at $4,762 a year or more.

Average premium for full coverage: $1,252

Premium estimates by type of coverage:

Comprehensive $274
Collision $342
Liability $478

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Escalade ESV trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Cadillac Escalade ESV go from the low end price of $526 for minimum levels of liability insurance to a high of $2,682 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities.

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

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

These rate differences illustrate why it is important to compare rates based on a specific location, 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 estimated Cadillac Escalade ESV insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $745
  • Drivers who choose higher $1,000 deductibles will pay around $1,112 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,252
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $268 a year
  • High risk drivers with multiple tickets or accidents could pay upwards of $2,682 or more
  • An auto insurance policy that insures a teen driver may cost $4,762 a year

View Chart as Image

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

Auto insurance prices for a Cadillac Escalade ESV also have a wide range based on the trim level of your Escalade ESV, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

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 $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,690 on average in Michigan, New York, and Florida.

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

Opting for high physical damage deductibles could save up to $410 each 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 cost up to $430 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted prices will be substantially different.

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 Find the Best Cheap Cadillac Escalade ESV Insurance

Finding better rates on Cadillac Escalade ESV insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at every other renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a quick review of the concepts that were illustrated above.

  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,430 more each year to insure a Cadillac Escalade ESV
  • Drivers under the age of 20 are charged the highest prices, with premiums being up to $397 per month if the policy includes full coverage
  • It is possible to save as much as $150 per year simply by quoting early and online
  • Increasing policy deductibles can save approximately $400 each year
  • It is possible to save as much as $150 per year simply by quoting early and online

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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