Cadillac Escalade insurance costs vary by model year, with 2025 models averaging $322 monthly compared to $59 for older versions. Newer Escalades cost more because they're worth more on the market.
Cadillac Escalade Insurance Cost
Updated: February 2, 2026
Key Takeaways
GEICO offers the most affordable rates for Cadillac Escalade insurance for minimum coverage. Full coverage averages $206 monthly and varies based on your model year and chosen insurer. Read more
SUVs generally cost more to insure than other vehicle types due to higher repair costs and theft risk, placing the Escalade at 155th out of 256 SUVs for affordability in the middle-tier range. Read more
For the most accurate rates, check costs specific to your Escalade's model year, especially if you're insuring a teen driver who impacts premiums. Read MoneyGeek's analysis of rates by company for specific Escalade model years, depending on the age of the drivers
How Much Is Cadillac Escalade Insurance?
Insurance rates depend on model year and insurer. Cadillac Escalade minimum coverage costs span $75 monthly with GEICO to $160 with Farmers, while full coverage goes from $163 monthly with Travelers to $355 with AIG.
Rate variations exceeding $85 for minimum coverage and $192 for full coverage demonstrate why Escalade owners need to shop around. Each company calculates model-specific risk differently, which impacts your final rate.
| 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 |
Is Cadillac Escalade Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Cadillac Escalade ranking 155th for insurance affordability, meaning 154 models cost less to insure. When determining whether it's expensive, you should compare it to similar vehicles like the Cadillac Escalade ESV, which costs a few dollars less per month, and the Buick Envision, which runs a few dollars more monthly.
That's middle of the pack among SUVs, but this vehicle category is expensive to insure overall. The Escalade ranks 550th out of 827 total cars in our database, placing it among the pricier models to insure. The cheapest SUV is the Isuzu Amigo, while the Audi SQ8 e-tron commands the highest premiums.
| Fisker Ocean | $153 | 152 |
| BMW X6 | $155 | 153 |
| Cadillac Escalade ESV | $155 | 154 |
| Cadillac Escalade | $156 | 155 |
| Buick Envision | $156 | 156 |
| Genesis GV60 | $156 | 157 |
| Volvo XC90 | $157 | 158 |
Several factors affect what you'll pay for Cadillac Escalade insurance:
- Average Repair or Replacement Costs: The Escalade's $2,033 annual repair costs make it relatively affordable to maintain, ranking as Cadillac's 16th most affordable model out of 20 available options.
- Vehicle Trim, Features and Accessories: Horsepower varies from 420 to 682 across different trim levels, with high-performance variants commanding higher premiums. More powerful trims cost more to insure due to increased risk.
- Driver Profile: Most Escalade owners are middle-aged drivers (40 and 55 years) with higher incomes, which can lower rates through better credit profiles. However, the SUV's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Cadillac Escalades for young drivers.
Cadillac Escalade Insurance Cost by State
Car insurance for a Cadillac Escalade costs as little as $43 per month in Wyoming or as much as $199 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations drive these differences, not the model itself.
| 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 Costs by Model Year and Insurance Company
A 2016 Cadillac Escalade costs an average of $205 monthly for full coverage insurance, while a 2025 model costs $340 for drivers aged 35 to 55. Insurance costs for your Cadillac Escalade may change greatly depending on your model year and the age of drivers on your policy. Newer car models tend to be much more expensive than older models, and young drivers in their teens and early twenties will pay much more to insure.
GEICO is the cheapest insurer across all model years for minimum coverage.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Cadillac Escalade
| Geico | $114 | $251 |
| National General | $125 | $256 |
| Travelers | $135 | $249 |
| The Hartford | $139 | $236 |
| State Farm | $144 | $302 |
| Nationwide | $149 | $258 |
| Progressive | $149 | $279 |
| Kemper | $152 | $308 |
| AAA | $179 | $371 |
| Amica | $190 | $390 |
| AIG | $216 | $549 |
| Allstate | $220 | $425 |
| Chubb | $222 | $443 |
| UAIC | $235 | $301 |
| Farmers | $271 | $477 |
Cost of Car Insurance for 2024 Cadillac Escalade
| Geico | $106 | $234 |
| National General | $116 | $238 |
| Travelers | $126 | $232 |
| The Hartford | $129 | $220 |
| State Farm | $133 | $281 |
| Nationwide | $138 | $240 |
| Progressive | $139 | $260 |
| Kemper | $141 | $287 |
| AAA | $166 | $345 |
| Amica | $177 | $363 |
| AIG | $201 | $511 |
| Allstate | $204 | $395 |
| Chubb | $206 | $412 |
| UAIC | $218 | $280 |
| Farmers | $252 | $443 |
Cost of Car Insurance for 2023 Cadillac Escalade
| Geico | $85 | $187 |
| National General | $93 | $191 |
| Travelers | $101 | $186 |
| The Hartford | $103 | $176 |
| State Farm | $107 | $225 |
| Nationwide | $111 | $192 |
| Progressive | $111 | $208 |
| Kemper | $113 | $230 |
| AAA | $133 | $277 |
| Amica | $142 | $291 |
| AIG | $161 | $410 |
| Allstate | $164 | $317 |
| Chubb | $165 | $330 |
| UAIC | $175 | $224 |
| Farmers | $202 | $355 |
Cost of Car Insurance for 2022 Cadillac Escalade
| Geico | $71 | $155 |
| National General | $77 | $158 |
| Travelers | $83 | $154 |
| The Hartford | $85 | $146 |
| State Farm | $88 | $186 |
| Nationwide | $92 | $159 |
| Progressive | $92 | $172 |
| Kemper | $93 | $190 |
| AAA | $110 | $229 |
| Amica | $117 | $241 |
| AIG | $133 | $339 |
| Allstate | $135 | $262 |
| Chubb | $137 | $273 |
| UAIC | $145 | $185 |
| Farmers | $167 | $294 |
Cost of Car Insurance for 2021 Cadillac Escalade
| Geico | $65 | $142 |
| National General | $70 | $144 |
| Travelers | $76 | $141 |
| The Hartford | $78 | $133 |
| State Farm | $81 | $170 |
| Nationwide | $84 | $146 |
| Progressive | $84 | $158 |
| Kemper | $86 | $174 |
| AAA | $101 | $209 |
| Amica | $107 | $220 |
| AIG | $122 | $310 |
| Allstate | $124 | $239 |
| Chubb | $125 | $250 |
| UAIC | $132 | $170 |
| Farmers | $153 | $269 |
Cost of Car Insurance for 2020 Cadillac Escalade
| Geico | $41 | $91 |
| National General | $45 | $92 |
| Travelers | $49 | $90 |
| The Hartford | $50 | $85 |
| State Farm | $52 | $109 |
| Nationwide | $54 | $93 |
| Progressive | $54 | $101 |
| Kemper | $55 | $111 |
| AAA | $65 | $134 |
| Amica | $69 | $141 |
| AIG | $78 | $198 |
| Allstate | $79 | $153 |
| Chubb | $80 | $160 |
| UAIC | $85 | $108 |
| Farmers | $98 | $172 |
Cost of Car Insurance for 2019 Cadillac Escalade
| Geico | $72 | $157 |
| National General | $77 | $157 |
| Travelers | $83 | $154 |
| State Farm | $91 | $190 |
| Progressive | $101 | $189 |
| Nationwide | $103 | $177 |
| The Hartford | $103 | $175 |
| AAA | $111 | $231 |
| Kemper | $112 | $229 |
| Amica | $119 | $243 |
| Allstate | $121 | $233 |
| Chubb | $130 | $259 |
| AIG | $137 | $343 |
| UAIC | $151 | $190 |
| Farmers | $154 | $271 |
Cost of Car Insurance for 2018 Cadillac Escalade
| National General | $73 | $150 |
| Geico | $74 | $161 |
| Travelers | $83 | $153 |
| State Farm | $94 | $197 |
| The Hartford | $99 | $169 |
| Progressive | $104 | $194 |
| Kemper | $104 | $214 |
| AAA | $108 | $224 |
| Nationwide | $111 | $191 |
| Amica | $114 | $235 |
| Allstate | $120 | $231 |
| Chubb | $128 | $254 |
| AIG | $135 | $339 |
| UAIC | $145 | $182 |
| Farmers | $146 | $257 |
Cost of Car Insurance for 2017 Cadillac Escalade
| National General | $73 | $149 |
| Geico | $77 | $167 |
| Travelers | $85 | $156 |
| State Farm | $97 | $202 |
| The Hartford | $102 | $174 |
| Progressive | $106 | $199 |
| Nationwide | $106 | $183 |
| Kemper | $108 | $222 |
| AAA | $109 | $226 |
| Amica | $113 | $232 |
| Allstate | $119 | $229 |
| Chubb | $126 | $251 |
| AIG | $135 | $339 |
| Farmers | $144 | $255 |
| UAIC | $150 | $189 |
Cost of Car Insurance for 2016 Cadillac Escalade
| Geico | $67 | $146 |
| National General | $73 | $150 |
| Travelers | $80 | $148 |
| State Farm | $90 | $188 |
| The Hartford | $99 | $169 |
| Progressive | $101 | $190 |
| Nationwide | $104 | $181 |
| AAA | $107 | $221 |
| Kemper | $109 | $225 |
| Amica | $113 | $233 |
| Allstate | $114 | $220 |
| Chubb | $123 | $245 |
| AIG | $133 | $332 |
| Farmers | $135 | $239 |
| UAIC | $144 | $181 |
Cadillac Escalade Insurance Cost by Trim
Insurance costs for your Cadillac Escalade vary by trim—from $81 monthly for minimum coverage on basic Platinum Edition Sport Utility 4d models to $450 for full coverage on high-performance V-Series variants. Performance features and market value determine where each trim falls in this range.
| 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 |
How to Lower the Cost of Cadillac Escalade Insurance
We've compiled proven strategies to help you find affordable Cadillac Escalade insurance rates:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Cadillac Escalade. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for luxury SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Escalade.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Cadillac Escalade owners qualify for safety features discounts, bundling savings, good driver rewards and anti-theft device discounts based on their vehicle's advanced security systems.
- 5Consider alternative car insurance types
Cadillac Escalade owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Cadillac Escalade insurance premiums.
Cadillac Escalade Insurance Cost: Bottom Line
Cadillac Escalade insurance runs average in cost, but you can still secure decent rates. Shopping multiple companies and maximizing discounts helps you find better pricing for your coverage needs.
Cadillac Escalade Insurance Rates: FAQ
What is the average cost of car insurance for a Cadillac Escalade?
Cadillac Escalade insurance costs $1,267 annually for state minimum coverage and $2,467 yearly for full coverage. These rates represent the national average for this luxury SUV model.
What company has the cheapest car insurance for a Cadillac Escalade?
GEICO provides the most affordable minimum coverage for a Cadillac Escalade at $901 annually. Drivers seeking full coverage will find the best rates with Travelers at $1,956 per year.
Are Cadillac Escalades expensive to insure?
No, Cadillac Escalade insurance is not more expensive than most vehicles. Among SUVs, this model places 155th out of 256 for affordability, while ranking 550th out of 827 across all vehicle types we track.
What factors affect insurance costs for Cadillac Escalades?
Multiple factors affect your Cadillac Escalade insurance costs. The SUV's high market value increases repair costs, while its elevated theft rate compared to other vehicles raises premiums. Advanced safety features may help lower costs. Your driving record, credit score and chosen coverage levels also impact rates.
How can I lower Cadillac Escalade insurance costs?
Compare quotes from multiple insurers since Escalade pricing differs between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to secure better rates.
How We Determined Cadillac Escalade Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Cadillac Escalade insurance costs.
Who We Based These Rates On
These Cadillac Escalade rates reflect what an average 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.