Cadillac Escalade insurance costs average $106 monthly for minimum coverage and $206 for full coverage. Depending on your specific trim and model year, costs can range from $56 to $468 monthly for Cadillac Escalade coverage.
Cadillac Escalade Insurance Cost
Updated: September 24, 2025
Key Takeaways
Monthly Cadillac Escalade insurance costs range from $89 to $468 depending on your chosen trim level and model year selection.
The Escalade ranks 550th out of 827 vehicle models for insurance affordability in the U.S. automotive market through 2025.
Travelers offers the most affordable Cadillac Escalade coverage at $163 monthly for full protection, while minimum coverage policies start at $75 per month.
How Much Is Cadillac Escalade Insurance?
| Cadillac Escalade | $106 | $206 |
Cadillac Escalade Insurance Cost by Model Year
Your Cadillac Escalade's model year and available trim options directly impact your insurance rates. Newer models generally cost more to insure because of their higher fair value. Monthly premiums for Escalade coverage span from $59 to $322, depending on your vehicle's year.
| 2025 | $165 | $322 |
| 2024 | $153 | $299 |
| 2023 | $123 | $240 |
| 2022 | $102 | $199 |
| 2021 | $93 | $182 |
| 2020 | $59 | $116 |
| 2019 | $100 | $194 |
| 2018 | $100 | $194 |
| 2017 | $100 | $195 |
| 2016 | $95 | $184 |
| 2015 | $95 | $185 |
| 2014 | $84 | $163 |
| 2013 | $77 | $150 |
| 2012 | $95 | $185 |
| 2011 | $114 | $220 |
| 2010 | $113 | $219 |
| 2009 | $108 | $210 |
| 2008 | $91 | $177 |
| 2007 | $82 | $158 |
| 2006 | $84 | $163 |
| 2005 | $75 | $145 |
| 2004 | $122 | $235 |
| 2003 | $124 | $238 |
| 2002 | $112 | $215 |
| 2000 | $75 | $144 |
Cadillac Escalade Insurance Cost by Trim
Your Cadillac Escalade's trim level directly impacts insurance costs based on features, performance capabilities and replacement value. Monthly premiums range from $81 for basic trims to $450 for high-performance V-Series models, showing how luxury features affect your coverage costs.
| Platinum Edition Sport Utility 4d | $81 | $157 |
| Platinum Hybrid Sport Utility 4d | $87 | $169 |
| Luxury Sport Utility 4d | $89 | $173 |
| Premium Sport Utility 4d | $89 | $173 |
| Platinum Sport Utility 4d | $90 | $176 |
| Standard Sport Utility 4d | $92 | $178 |
| Prem Luxury Platinum Suv 4d | $92 | $180 |
| Premium Luxury Sport Utility 4d | $92 | $180 |
| Sport Utility 4d | $97 | $187 |
| Hybrid Sport Utility 4d | $99 | $191 |
| Prem Luxury Platinum Sport Utility 4d | $102 | $198 |
| Sport Suv 4d | $105 | $205 |
| Sport Platinum Sport Utility 4d | $113 | $221 |
| Luxury | $123 | $240 |
| Prem Lux Platinum Sport Utility 4d | $124 | $241 |
| Premium Luxury | $136 | $265 |
| Sport | $139 | $272 |
| Sport Platinum | $163 | $319 |
| Premium Luxury Platinum | $164 | $320 |
| V-Series Sport Utility 4d | $169 | $330 |
| V-Series | $230 | $450 |
Compare Personalized Cadillac Escalade Insurance Costs
We've broken down Cadillac Escalade insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
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Model Year:2000
Select
Trim:Sport Utility 4d
| Sport Utility 4d | $75 | $144 |
Cadillac Escalade Insurance Cost by Company
Cadillac Escalade insurance costs vary by provider from $120 to $248 monthly. Minimum coverage ranges from $75 to $160, while full coverage costs $163 to $355. Rates vary due to different risk assessment models.
| AAA | $115 | $237 |
| AIG | $142 | $355 |
| Allstate | $135 | $260 |
| Amica | $122 | $250 |
| Chubb | $137 | $272 |
| Farmers | $160 | $282 |
| GEICO | $75 | $164 |
| Kemper | $105 | $215 |
| Nationwide | $108 | $187 |
| Progressive | $106 | $198 |
| State Farm | $96 | $200 |
| The Hartford | $100 | $170 |
| Travelers | $88 | $163 |
| UAIC | $159 | $201 |
Cadillac Escalade Insurance Cost by State
Car insurance for a Cadillac Escalade varies dramatically by location, from $43 monthly in Wyoming to $428 in Louisiana.
| Alabama | $87 | $165 |
| Alaska | $75 | $158 |
| Arizona | $120 | $225 |
| Arkansas | $88 | $198 |
| California | $99 | $200 |
| Colorado | $104 | $247 |
| Connecticut | $140 | $241 |
| Delaware | $137 | $230 |
| Florida | $126 | $294 |
| Georgia | $148 | $247 |
| Hawaii | $54 | $123 |
| Idaho | $56 | $114 |
| Illinois | $97 | $183 |
| Indiana | $67 | $130 |
| Iowa | $61 | $147 |
| Kansas | $78 | $183 |
| Kentucky | $127 | $216 |
| Louisiana | $199 | $428 |
| Maine | $56 | $116 |
| Maryland | $159 | $268 |
| Massachusetts | $105 | $224 |
| Michigan | $158 | $305 |
| Minnesota | $87 | $180 |
| Mississippi | $96 | $190 |
| Missouri | $132 | $261 |
| Montana | $82 | $195 |
| Nebraska | $76 | $174 |
| Nevada | $177 | $320 |
| New Hampshire | $73 | $130 |
| New Jersey | $161 | $266 |
| New Mexico | $86 | $192 |
| New York | $127 | $228 |
| North Carolina | $81 | $158 |
| North Dakota | $67 | $147 |
| Ohio | $78 | $152 |
| Oklahoma | $99 | $221 |
| Oregon | $117 | $204 |
| Pennsylvania | $95 | $223 |
| Rhode Island | $128 | $229 |
| South Carolina | $102 | $191 |
| South Dakota | $59 | $182 |
| Tennessee | $81 | $164 |
| Texas | $132 | $269 |
| Utah | $109 | $186 |
| Vermont | $51 | $120 |
| Virginia | $102 | $164 |
| Washington | $93 | $173 |
| West Virginia | $95 | $193 |
| Wisconsin | $69 | $151 |
| Wyoming | $43 | $135 |
Cadillac Escalade Insurance Cost by Driver Profile
Your driving profile dramatically impacts Cadillac Escalade insurance costs. Young drivers under 25 face the steepest rates at $395 monthly, while adult drivers between 26-64 enjoy the most affordable coverage at just $156 per month for the same luxury SUV protection.
| Adult Drivers | $106 | $206 |
| Young Drivers | $270 | $520 |
| Senior Drivers | $141 | $260 |
| Drivers With a Speeding Ticket | $132 | $258 |
| Drivers With an Accident | $156 | $301 |
| Drivers With a DUI | $195 | $375 |
| Drivers With Bad Credit | $253 | $510 |
Is a Cadillac Escalade Expensive to Insure?
You might be concerned about Cadillac insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a Cadillac Escalade ranks 550th out of 827, making it one of the more expensive cars to insure. Among full-size luxury SUVs, the model ranks 3rd out of 15.
| Lincoln Navigator | $92 | $179 |
| Cadillac Escalade ESV | $105 | $205 |
| Cadillac Escalade | $106 | $206 |
| Jeep Wagoneer | $115 | $225 |
| Lexus LX | $120 | $234 |
| Infiniti QX80 | $131 | $256 |
| Land Rover Defender | $136 | $266 |
| Land Rover Range Rover | $144 | $281 |
| Bentley Bentayga | $145 | $286 |
| Audi RS Q8 | $152 | $300 |
| Bmw X7 | $164 | $321 |
| Mercedes G-Class | $181 | $356 |
| Mercedes EQS | $184 | $362 |
| Cadillac Escalade IQ | $187 | $365 |
| Volvo EX90 | $213 | $413 |
Factors That Affect Cadillac Car Insurance Costs
Several factors affect your Cadillac Escalade insurance costs:
Average Repair or Replacement Costs
Cadillac ranks 26th in repair affordability among 59 U.S. automakers with median annual costs of $1,234. Cadillac Escalade repair costs average $2,033 annually, making it one of Cadillac's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Escalade's premium features across six trim levels (Luxury, Premium Luxury, Sport, Premium Luxury Platinum, Sport Platinum, V-Series) increase insurance costs. Notable features include the revolutionary 55-inch curved OLED display,
Super Cruise hands-free driving, 36-speaker AKG audio system, air ride suspension, and semi-aniline leather, all contribute to higher replacement values and specialized repair requirements.
Fuel Type
Escalade offers multiple powertrains affecting insurance costs: standard 6.2L V8 (420 hp) achieving 14-19 mpg, optional 3.0L Duramax diesel (277 hp, 21 to 27 mpg) being phased out for 2025 and high-performance 6.2L supercharged V8 (682 hp) in V-Series models.
The upcoming Escalade IQ electric variant will feature 750 hp and 460-mile range, requiring specialized EV repair capabilities.
Location
Escalade owners are concentrated in affluent areas and urban centers, with 60% of sales in the Northeast region. Owners are often found in Manhattan, Beverly Hills, Atlanta and Florida.
Location affects rates through state regulations, urban theft risks and regional repair cost variations. Higher concentration in expensive areas correlates with premium parts availability and specialized service requirements.
Driver Profile
Cadillac buyers have an average age of 59 (oldest among luxury brands) with median household income of $124,800. Escalade-specific demographics show buyers in their mid-to-high 40s, with ESV models attracting slightly younger families.
• Age (mid-to-high 40s): Mature drivers receive better rates than younger demographics.
• Income ($124,800 median): High income correlates with better credit scores and lower risk profiles.
• Family Status: ESV buyers tend to be younger families needing three-row seating capacity.
Cheapest Cadillac Escalade Insurance Companies
If you drive a Cadillac Escalade, Travelers offers the most affordable full coverage car insurance at $163 monthly. For drivers who only need minimum coverage on their Escalade, GEICO provides the cheapest option with premiums averaging $75 per month.
| GEICO | $75 | $164 |
| Travelers | $88 | $163 |
| The Hartford | $100 | $170 |
| State Farm | $96 | $200 |
| Nationwide | $108 | $187 |
Cheapest Cadillac Escalade Insurance by State
Overall, we found that the following are the top three cheapest car insurance providers in the state for a Cadillac Escalade:
- GEICO: Most affordable coverage in nine states
- Travelers: Best rates in nine states
- Auto-Owners: Cheapest option in six states
You can filter to see who offers the most affordable auto insurance rates for your Cadillac Escalade.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Cincinnati Insurance | $48 |
How to Get the Best Cheap Cadillac Escalade Insurance
Below we explore comprehensive car insurance discounts available for your Cadillac Escalade:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Cadillac's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Cadillac Escalade, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Cadillac Escalade owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (8% to 25% savings): Escalade owners' high incomes ($178,222 median for regular Escalade, $259,060 for ESV) often mean multiple vehicles, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (10% to 25% savings): With 97% homeownership rates among luxury SUV owners, Escalade drivers can bundle auto and home insurance for substantial savings from major carriers.
- Safety Features/Advanced Safety Discount (8% to 25% savings): The Escalade comes with forward collision alert, lane keep assist, safety alert seat, and side-blind zone alert, helping you avoid crashes. State Farm offers the highest safety discounts at up to 25% for these features.
- Good Driver/Safe Driver Discount (5% to 30% savings): Escalade buyers' mature age profile (current generation attracts slightly younger and wealthier clients) results in clean driving records that qualify them for good driver discounts.
- Professional/Occupation Discount (5% to 15% savings): With median household incomes well above national averages, many Escalade owners work in qualifying professions like healthcare, education, or government that earn occupation-based discounts.
- 5
Consider alternative car insurance types
Cadillac Escalade owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Cadillac Escalade insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Cadillac Escalade Insurance Cost: Bottom Line
Insuring a Cadillac Escalade costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Cadillac Escalade Insurance Rates: FAQ
Here are answers to common questions about insuring a Cadillac Escalade, covering costs, coverage options and discounts.
What is the average cost of car insurance for a Cadillac Escalade?
The Cadillac Escalade's average annual insurance cost is $1,267 for minimum coverage and $2,467 for full coverage.
What company has the cheapest car insurance for a Cadillac Escalade?
Travelers offers the most affordable full coverage car insurance at $163 monthly for Cadillac Escalades. For drivers who only need minimum coverage on their Escalade, GEICO provides the cheapest option with premiums averaging $75 per month.
Are Cadillac Escalades expensive to insure?
Yes, Cadillac Escalade insurance costs more than most cars. Out of 827 vehicles we track, the Escalade ranks 550th for affordability. Among similar full-size luxury SUVs however, it's more affordable, placing third out of 15.
What factors affect insurance costs for Cadillac Escalades?
Several things drive up your Cadillac Escalade rates. Repairs cost more because of specialized parts and the steel body construction. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Cadillac-certified repair shops cost more.
How can I lower Cadillac Escalade insurance costs?
Shop around with multiple insurers as rates vary for Cadillacs, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Cadillac Escalade Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Cadillac Escalade insurance costs.
Who We Based These Rates On
These Cadillac Escalade prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Hedges & Company. "Tesla Owner Demographics: Income, Age, Gender and More." Accessed September 27, 2025.