Cadillac Escalade Insurance Rates
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UPDATED: Dec 8, 2021
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The average insurance rates for a Cadillac Escalade are $1,852 a year including full coverage. Comprehensive insurance costs on average $406, collision insurance costs $726, and liability coverage is $520. Liability-only insurance costs around $592 a year, and high-risk driver insurance costs $4,002 or more. 16-year-old drivers cost the most to insure at up to $6,844 a year.
Average premium for full coverage: $1,852
Policy rates by type of insurance:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Escalade trim levels.
Price Range Variability
For the average 40-year-old driver, Cadillac Escalade insurance rates range from the low end price of $592 for minimum levels of liability insurance to a much higher rate of $4,002 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates the difference location can make on car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using 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 breaks down average Cadillac Escalade insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,062
- Raising to $1,000 deductibles will save around $258 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,852
- Buying more expensive low deductibles will cost an additional $500 each year
- Unlucky drivers with multiple tickets or accidents could pay upwards of $4,002
- Policy cost that insures a teenage driver with full coverage may cost $6,844
Auto insurance rates for a Cadillac Escalade also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $2,200 to $3,000 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $6,800 a year. View Rates by Age
Your home state also has a big influence on Cadillac Escalade insurance rates. A middle-age driver might find rates as low as $1,420 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,640 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,672 | -$180 | -9.7% |
| Alaska | $1,416 | -$436 | -23.5% |
| Arizona | $1,534 | -$318 | -17.2% |
| Arkansas | $1,852 | -$0 | 0.0% |
| California | $2,108 | $256 | 13.8% |
| Colorado | $1,766 | -$86 | -4.6% |
| Connecticut | $1,900 | $48 | 2.6% |
| Delaware | $2,094 | $242 | 13.1% |
| Florida | $2,312 | $460 | 24.8% |
| Georgia | $1,706 | -$146 | -7.9% |
| Hawaii | $1,328 | -$524 | -28.3% |
| Idaho | $1,254 | -$598 | -32.3% |
| Illinois | $1,380 | -$472 | -25.5% |
| Indiana | $1,396 | -$456 | -24.6% |
| Iowa | $1,252 | -$600 | -32.4% |
| Kansas | $1,756 | -$96 | -5.2% |
| Kentucky | $2,522 | $670 | 36.2% |
| Louisiana | $2,740 | $888 | 47.9% |
| Maine | $1,142 | -$710 | -38.3% |
| Maryland | $1,528 | -$324 | -17.5% |
| Massachusetts | $1,478 | -$374 | -20.2% |
| Michigan | $3,214 | $1,362 | 73.5% |
| Minnesota | $1,550 | -$302 | -16.3% |
| Mississippi | $2,218 | $366 | 19.8% |
| Missouri | $1,642 | -$210 | -11.3% |
| Montana | $1,990 | $138 | 7.5% |
| Nebraska | $1,458 | -$394 | -21.3% |
| Nevada | $2,220 | $368 | 19.9% |
| New Hampshire | $1,332 | -$520 | -28.1% |
| New Jersey | $2,068 | $216 | 11.7% |
| New Mexico | $1,638 | -$214 | -11.6% |
| New York | $1,946 | $94 | 5.1% |
| North Carolina | $1,066 | -$786 | -42.4% |
| North Dakota | $1,516 | -$336 | -18.1% |
| Ohio | $1,278 | -$574 | -31.0% |
| Oklahoma | $1,900 | $48 | 2.6% |
| Oregon | $1,696 | -$156 | -8.4% |
| Pennsylvania | $1,764 | -$88 | -4.8% |
| Rhode Island | $2,468 | $616 | 33.3% |
| South Carolina | $1,676 | -$176 | -9.5% |
| South Dakota | $1,560 | -$292 | -15.8% |
| Tennessee | $1,620 | -$232 | -12.5% |
| Texas | $2,228 | $376 | 20.3% |
| Utah | $1,370 | -$482 | -26.0% |
| Vermont | $1,264 | -$588 | -31.7% |
| Virginia | $1,108 | -$744 | -40.2% |
| Washington | $1,428 | -$424 | -22.9% |
| West Virginia | $1,696 | -$156 | -8.4% |
| Wisconsin | $1,280 | -$572 | -30.9% |
| Wyoming | $1,648 | -$204 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $760 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $423 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 2WD | $1,728 | $144 |
| Cadillac Escalade Luxury Edition 2WD | $1,742 | $145 |
| Cadillac Escalade 4WD | $1,742 | $145 |
| Cadillac Escalade Premium Edition 2WD | $1,782 | $149 |
| Cadillac Escalade Luxury Edition 4WD | $1,782 | $149 |
| Cadillac Escalade Premium Edition 4WD | $1,782 | $149 |
| Cadillac Escalade Hybrid 2WD | $1,828 | $152 |
| Cadillac Escalade Hybrid 4WD | $1,870 | $156 |
| Cadillac Escalade Platinum Edition 2WD | $1,836 | $153 |
| Cadillac Escalade Platinum Edition 4WD | $1,836 | $153 |
| Cadillac Escalade Hybrid Platinum 2WD | $1,952 | $163 |
| Cadillac Escalade Hybrid Platinum 4WD | $1,952 | $163 |
Rates assume 2020 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 |
|---|---|---|---|---|
| 2020 Cadillac Escalade | $406 | $726 | $520 | $1,852 |
| 2018 Cadillac Escalade | $370 | $672 | $554 | $1,796 |
| 2017 Cadillac Escalade | $356 | $624 | $564 | $1,744 |
| 2016 Cadillac Escalade | $342 | $588 | $570 | $1,700 |
| 2015 Cadillac Escalade | $328 | $526 | $574 | $1,628 |
| 2012 Cadillac Escalade | $288 | $424 | $592 | $1,504 |
| 2011 Cadillac Escalade | $266 | $394 | $592 | $1,452 |
| 2010 Cadillac Escalade | $260 | $358 | $596 | $1,414 |
| 2009 Cadillac Escalade | $242 | $326 | $592 | $1,360 |
| 2008 Cadillac Escalade | $228 | $296 | $592 | $1,316 |
| 2007 Cadillac Escalade | $220 | $266 | $586 | $1,272 |
| 2006 Cadillac Escalade | $216 | $260 | $574 | $1,250 |
| 2005 Cadillac Escalade | $214 | $248 | $564 | $1,226 |
| 2004 Cadillac Escalade | $196 | $236 | $558 | $1,190 |
| 2003 Cadillac Escalade | $188 | $224 | $554 | $1,166 |
Rates are averaged for all Cadillac Escalade 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 Insurance
Finding cheaper rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Comparison shop at every other renewal by getting quotes from direct car insurance companies, and also from insurance agencies where you live.
The items below are a recap of the concepts that were touched on in this article.
- Drivers that have major violations or accidents could be forced to pay on average $2,150 more each year to insure their Escalade
- Teen drivers are charged the highest rates, with premiums being up to $570 each month if the policy includes full coverage
- You may be able to save as much as $220 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $750 each year
- You may be able to save as much as $220 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,844 |
| 20 | $4,264 |
| 30 | $1,934 |
| 40 | $1,852 |
| 50 | $1,688 |
| 60 | $1,656 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,352 |
| $250 | $2,118 |
| $500 | $1,852 |
| $1,000 | $1,594 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,852 |
| 50/100 | $2,046 |
| 100/300 | $2,164 |
| 250/500 | $2,469 |
| 100 CSL | $2,093 |
| 300 CSL | $2,352 |
| 500 CSL | $2,540 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,782 |
| 20 | $6,786 |
| 30 | $4,094 |
| 40 | $4,002 |
| 50 | $3,818 |
| 60 | $3,782 |
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 | $99 |
| Multi-vehicle | $96 |
| Homeowner | $27 |
| 5-yr Accident Free | $138 |
| 5-yr Claim Free | $120 |
| Paid in Full/EFT | $86 |
| Advance Quote | $92 |
| Online Quote | $132 |
| Total Discounts | $790 |
Discounts are estimated and may not be available from every company or in every state.
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