Cadillac Escalade ESV Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 31, 2024
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The average insurance rates for a Cadillac Escalade ESV are $1,252 a year with full coverage. Comprehensive insurance costs on average $274, collision insurance costs $342, and liability coverage costs $478. Liability-only insurance costs as little as $526 a year, and high-risk driver insurance costs $2,682 or more. Teenage drivers cost the most to insure at up to $4,762 a year.
Average premium for full coverage: $1,252
Policy rates by type of insurance:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Escalade ESV trim levels.
Price Range Variability
For the average driver, Cadillac Escalade ESV insurance rates range from the low end price of $526 for just liability insurance to a much higher rate of $2,682 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location, 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.
More Rate Details
The chart below details average Cadillac Escalade ESV insurance rates for different risk profiles and scenarios.
- The best discount rate is $745
- Drivers who choose higher $1,000 deductibles will pay around $140 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,252
- Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $268 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,682
- Policy cost that insures a teenage driver with full coverage may cost $4,762 a year
Auto insurance rates for a Cadillac Escalade ESV also range considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can cost around 42% to 134% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age
Your home state makes a big difference in Cadillac Escalade ESV insurance rates. A 40-year-old driver could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,690 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles could save up to $410 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheapest Cadillac Escalade ESV Insurance
Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at every other renewal by getting quotes from direct companies, and also from several local insurance agents.
The items below are a recap of the concepts that were touched on above.
- Drivers that have major violations or accidents pay on average $1,430 more each year to insure their Escalade ESV
- Teen drivers are charged the highest rates, as much as $397 each month if the policy includes full coverage
- You may be able to save as much as $150 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- You may be able to save as much as $150 per year just by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,400 |
| $500 | $1,252 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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