Cadillac Escalade ESV Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 31, 2024

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Average insurance rates for a Cadillac Escalade ESV are $1,292 a year for full coverage. Comprehensive costs approximately $282 a year, collision costs $378, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,768. 16-year-old drivers receive the highest rates at $4,890 a year or more.

Average premium for full coverage: $1,292

Rate estimates by individual coverage type:

Comprehensive $282
Collision $378
Liability $474

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Escalade ESV trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $522 for basic liability insurance to a high of $2,768 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,292
High Risk $2,768

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $969
Small Cities $1,357
Large Cities $1,744

These examples show why it is important to get quotes using their specific location and risk profile, instead of making a decision based 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.

Rate Comparisons

The chart below shows estimated Cadillac Escalade ESV insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $764
  • Choosing higher $1,000 deductibles can save $1,140 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,292
  • Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,580
  • Higher-risk drivers with multiple tickets or accidents could pay around $2,768 or more
  • The cost for full coverage for a 16-year-old driver can cost $4,890 each year

View Chart as Image

Cadillac Escalade ESV insurance cost comparison chart
Column chart showing full coverage Cadillac Escalade ESV insurance rates range from $764 to $4,890

Insurance rates for a Cadillac Escalade ESV can also vary considerably based on your driver profile, the trim level of your Escalade ESV, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac Escalade ESV insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

Cadillac Escalade ESV Insurance Rates by State
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%

View Chart as Image

Cadillac Escalade ESV insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $440 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly different from one company to the next.

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 $1,244 $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.

Cadillac Escalade ESV Insurance Rates by Model Year
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 Affordable Cadillac Escalade ESV Insurance

Saving money on insurance for a Cadillac Escalade ESV takes being a good driver, maintaining good credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a brief review of the primary concepts that were covered in the above illustrations.

  • Drivers can save around $150 per year simply by quoting early and online
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,480 more per year than a safer driver
  • Increasing deductibles can save around $450 each year
  • Drivers age 16 to 20 are expensive to insure, costing as high as $408 per month for full coverage

Rates by Driver Age

Cadillac Escalade ESV Insurance 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

Cadillac Escalade ESV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,580
$250 $1,448
$500 $1,292
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Cadillac Escalade ESV Insurance Rates with Different Liability Limits
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

Cadillac Escalade ESV Insurance 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.

SR-22 Surcharge $173

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
Rate after discounts $764

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

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