Cadillac Escalade ESV Insurance Rates

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UPDATED: May 31, 2024

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The average insurance prices for a Cadillac Escalade ESV are $1,202 every 12 months with full coverage. Comprehensive insurance costs approximately $256 a year, collision insurance costs $314, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,568 or more. Teenage drivers cost the most to insure at up to $4,602 a year.

Average premium for full coverage: $1,202

Policy rates by type of insurance:

Comprehensive $256
Collision $314
Liability $474

Full coverage includes $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Escalade ESV trim levels.

Price Range Variability

For a 40-year-old driver, Cadillac Escalade ESV insurance rates range from the cheapest price of $522 for the bare minimum liability coverage to a high of $2,568 for high-risk insurance.

Liability Only $522
Full Coverage $1,202
High Risk $2,568

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

Rural Areas $902
Small Cities $1,262
Large Cities $1,623

The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, 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 Information

The chart below details average Cadillac Escalade ESV insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $719
  • Using higher $1,000 deductibles will save $1,070 annually
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,202
  • Using low $100 deductibles for physical damage coverage costs an extra $244 each year
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,568
  • Policy cost to insure a teenage driver can cost $4,602 or more

View Chart as Image

Cadillac Escalade ESV insurance cost comparison chart
Column chart showing Cadillac Escalade ESV insurance prices range from $719 to $4,602 for full coverage

Insurance rates for a Cadillac Escalade ESV also range considerably based on liability limits and deductibles, your driving record, and the model of your Escalade ESV.

Using high physical damage deductibles could cut rates by as much as $380 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Cadillac Escalade ESV insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,620 on average in New York, Michigan, and Florida.

Cadillac Escalade ESV Insurance Rates by State
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%

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 $1,162 $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.

Cadillac Escalade ESV Insurance Rates by Model Year
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 Shop for More Affordable Cadillac Escalade ESV Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from insurance agencies where you live.

The following is a summary of the material that was illustrated above.

  • Consumers who purchase higher liability limits will pay an extra $520 every year to increase from a 30/60 limit to a 250/500 level
  • Teens are the costliest to insure, as much as $384 each month if full coverage is included
  • Drivers who have multiple accidents or major violations could be forced to pay on average $1,370 more per year for Escalade ESV insurance
  • Increasing comprehensive and collision deductibles could save as much as $375 each year

Rates by Driver Age

Cadillac Escalade ESV Insurance 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

Cadillac Escalade ESV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,446
$250 $1,338
$500 $1,202
$1,000 $1,070

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade ESV Insurance Rates with Different Liability Limits
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

Cadillac Escalade ESV Insurance 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.

SR-22 Surcharge $159

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
Rate after discounts $719

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

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