Cadillac Escalade ESV Insurance Rates
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UPDATED: May 31, 2024
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U.S. average insurance rates for a Cadillac Escalade ESV are $1,292 a year for full coverage insurance. Comprehensive costs around $282, collision costs $378, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,768. Teen drivers pay the highest rates at $4,890 a year or more.
Average premium for full coverage: $1,292
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Escalade ESV models.
Price Range from Low to High
Using a middle-aged driver as an example, Cadillac Escalade ESV insurance prices go from the low end price of $522 for just liability insurance to the much higher price of $2,768 for high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas.
The example below illustrates how where you live affects auto insurance rates.
The ranges above illustrate why everyone should get quotes for a specific zip code, rather than using price 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 additional coverage choices and driver risks.
- The lowest rate with discounts is $764
- Choosing higher $1,000 deductibles can save about $152 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,292
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,580
- Drivers with multiple violations and an at-fault accident could pay at least $2,768 or more
- The price that insures a teenage driver for full coverage can be $4,890 each year
Car insurance prices for a Cadillac Escalade ESV are also quite variable based on the model of your Escalade ESV, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,100 extra each year, depending on your age. Cadillac Escalade ESV insurance for high-risk drivers ranges around 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Cadillac Escalade ESV insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,750 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,170 | -$122 | -9.4% |
| Alaska | $990 | -$302 | -23.4% |
| Arizona | $1,072 | -$220 | -17.0% |
| Arkansas | $1,292 | -$0 | 0.0% |
| California | $1,472 | $180 | 13.9% |
| Colorado | $1,234 | -$58 | -4.5% |
| Connecticut | $1,328 | $36 | 2.8% |
| Delaware | $1,464 | $172 | 13.3% |
| Florida | $1,618 | $326 | 25.2% |
| Georgia | $1,190 | -$102 | -7.9% |
| Hawaii | $928 | -$364 | -28.2% |
| Idaho | $874 | -$418 | -32.4% |
| Illinois | $962 | -$330 | -25.5% |
| Indiana | $970 | -$322 | -24.9% |
| Iowa | $872 | -$420 | -32.5% |
| Kansas | $1,228 | -$64 | -5.0% |
| Kentucky | $1,764 | $472 | 36.5% |
| Louisiana | $1,912 | $620 | 48.0% |
| Maine | $798 | -$494 | -38.2% |
| Maryland | $1,066 | -$226 | -17.5% |
| Massachusetts | $1,034 | -$258 | -20.0% |
| Michigan | $2,244 | $952 | 73.7% |
| Minnesota | $1,080 | -$212 | -16.4% |
| Mississippi | $1,546 | $254 | 19.7% |
| Missouri | $1,146 | -$146 | -11.3% |
| Montana | $1,388 | $96 | 7.4% |
| Nebraska | $1,018 | -$274 | -21.2% |
| Nevada | $1,550 | $258 | 20.0% |
| New Hampshire | $930 | -$362 | -28.0% |
| New Jersey | $1,444 | $152 | 11.8% |
| New Mexico | $1,144 | -$148 | -11.5% |
| New York | $1,362 | $70 | 5.4% |
| North Carolina | $744 | -$548 | -42.4% |
| North Dakota | $1,060 | -$232 | -18.0% |
| Ohio | $890 | -$402 | -31.1% |
| Oklahoma | $1,328 | $36 | 2.8% |
| Oregon | $1,182 | -$110 | -8.5% |
| Pennsylvania | $1,234 | -$58 | -4.5% |
| Rhode Island | $1,722 | $430 | 33.3% |
| South Carolina | $1,170 | -$122 | -9.4% |
| South Dakota | $1,090 | -$202 | -15.6% |
| Tennessee | $1,132 | -$160 | -12.4% |
| Texas | $1,558 | $266 | 20.6% |
| Utah | $958 | -$334 | -25.9% |
| Vermont | $886 | -$406 | -31.4% |
| Virginia | $774 | -$518 | -40.1% |
| Washington | $1,000 | -$292 | -22.6% |
| West Virginia | $1,184 | -$108 | -8.4% |
| Wisconsin | $896 | -$396 | -30.7% |
| Wyoming | $1,152 | -$140 | -10.8% |
Choosing high deductibles can save as much as $440 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac Escalade ESV 2WD | $1,244 | $104 |
| Cadillac Escalade ESV 4WD | $1,244 | $104 |
| Cadillac Escalade ESV Luxury Edition 2WD | $1,268 | $106 |
| Cadillac Escalade ESV Premium Edition 2WD | $1,268 | $106 |
| Cadillac Escalade ESV Luxury Edition 4WD | $1,268 | $106 |
| Cadillac Escalade ESV Premium Edition 4WD | $1,292 | $108 |
| Cadillac Escalade ESV Platinum Edition 2WD | $1,316 | $110 |
| Cadillac Escalade ESV Platinum Edition 4WD | $1,340 | $112 |
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 | $486 | $750 | $372 | $1,766 |
| 2023 Cadillac Escalade ESV | $464 | $720 | $390 | $1,732 |
| 2022 Cadillac Escalade ESV | $444 | $714 | $398 | $1,714 |
| 2021 Cadillac Escalade ESV | $430 | $698 | $416 | $1,702 |
| 2019 Cadillac Escalade ESV | $392 | $646 | $442 | $1,638 |
| 2018 Cadillac Escalade ESV | $376 | $598 | $452 | $1,584 |
| 2016 Cadillac Escalade ESV | $346 | $506 | $460 | $1,470 |
| 2014 Cadillac Escalade ESV | $312 | $436 | $464 | $1,370 |
| 2013 Cadillac Escalade ESV | $306 | $406 | $474 | $1,344 |
| 2012 Cadillac Escalade ESV | $282 | $378 | $474 | $1,292 |
| 2010 Cadillac Escalade ESV | $256 | $314 | $474 | $1,202 |
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 Cheaper Cadillac Escalade ESV Insurance
Getting lower rates on auto insurance takes being safe and accident-free, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Shop around every couple of years by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a condensed summary of the material that was touched on in the above illustrations.
- Consumers who may need more liability protection will pay about $520 annually to raise limits from a low limit to the 250/500 level
- Youthful drivers are the costliest to insure, as much as $408 a month if full coverage is purchased
- Drivers with multiple at-fault accidents could be forced to pay on average $1,480 more every year than a low-risk driver
- Increasing physical damage deductibles can save approximately $450 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,890 |
| 20 | $2,924 |
| 30 | $1,334 |
| 40 | $1,292 |
| 50 | $1,180 |
| 60 | $1,156 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,580 |
| $250 | $1,448 |
| $500 | $1,292 |
| $1,000 | $1,140 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,292 |
| 50/100 | $1,435 |
| 100/300 | $1,553 |
| 250/500 | $1,861 |
| 100 CSL | $1,482 |
| 300 CSL | $1,743 |
| 500 CSL | $1,933 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,944 |
| 20 | $4,658 |
| 30 | $2,814 |
| 40 | $2,768 |
| 50 | $2,642 |
| 60 | $2,614 |
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 | $68 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $91 |
| Total Discounts | $528 |
Discounts are estimated and may not be available from every company or in every state.
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