Cadillac Escalade Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Cadillac Escalade is more expensive to insure compared to the average SUV.
• Liability auto insurance for an Escalade runs about $82 a month, while full coverage usually averages around $172 per month.
• The lowest car insurance company for an Escalade is Commonwealth Casualty.

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Escalade Overview

Coming in with a base MSRP of $76,295 for new 2022 models, the Cadillac Escalade is a high-end car for drivers with extra room in their budgets. There are ten different trim levels currently offered, so there's something there for every driver.

Based on thousands of insurance quotes from Compare.com, we've determined that average Cadillac Escalade auto insurance rates run about $158 a month. But how does that compare to other similar SUVs on the market?

How Much is Car Insurance for a Cadillac Escalade?

In the table above, you'll find that compared to other vehicles, Cadillac Escalade insurance prices are right around average. On average, Escalade drivers can expect to pay about $82 per month for liability insurance, and around $172 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other Cadillac models, the Escalade's insurance premium is in line with the rest of the manufacturer's vehicle offerings. However, compared to other vehicles of a similar body style, Escalade coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other SUVs.

Compared to all vehicles of any body type, the Escalade has more expensive rates than average for both full coverage and liability only insurance.

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Who has the Cheapest Car Insurance for a Cadillac Escalade?

If you're browsing for a new car insurance policy for your Cadillac Escalade, you might be wondering which carrier offers the lowest rates. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $25 per month from Clearcover. With car insurance as little as just $31 a month, Shelter Mutual is the next most affordable car insurance company.

Finishing off the rest of the top 5 are SafeAuto, MetLife, and Amica. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies use a wide array of different things and complex formulas to calculate rates. The only way to guarantee you find the cheapest rates is to compare quotes from a range of insurance carriers.

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What Factors Affect Car Insurance Rates for a Cadillac Escalade?

As we mentioned above, there are a whole range of factors that auto insurance companies examine to decide how much they charge for a policy -- and each carrier weighs different variables more heavily than others, so there's not just one company that's the lowest for everyone.

The following sections show quite a few variables car insurance carriers use to calculate rates:

Vehicle Age

The Cadillac Escalade has been around for a while, so vehicle age may make a big difference in what you end up paying for auto insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go down.

From the table above, you can see the Cadillac Escalade is not quite in line with this trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Escalades are 11 to 14 years old.

Your Age

Your age is another factor that plays a significant role in how much you pay for insurance. As you can see above, drivers under 18 pay more compared to those who have more experience on the road. In this case, drivers under 18 pay $59 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Escalade.

Your Gender

Men tend to pay more for car insurance than women. This is because women are less likely to get into collisions and get speeding tickets, which decreases the chances of an insurance claim. The Cadillac Escalade follows this convention, and men pay about $86 monthly for auto insurance, while women pay around $79.

Where You Live

It may be obvious that things such as how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live matters just as much. Because car insurance is regulated on the state level rather than nationally, premiums can fluctuate quite a bit from state to state.

For example, the average Cadillac Escalade driver in New York pays about $196 per month for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The chart above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

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Cadillac Escalade Car Insurance Discounts

Whatever how old you are, what state you live in, or which vehicle you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

While no two car insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for using the same insurance carrier for both your home and auto insurance
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Pay-in-full discounts for drivers who choose to pay their entire policy price at once, rather than in monthly installments
• Multi-vehicle discounts for having several cars on your auto policy

But these aren't the only discounts insurance carriers offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you may not have control of every variable auto insurance companies look at to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your favor when it comes to saving some cash:

Your Driving Record

It's no secret that car insurance carriers offer the most affordable rates to drivers with clean records. And you're probably not surprised to hear that if you get into a collision or get a ticket for speeding, insurance premiums will go up. But exactly how much can it cost you for these infractions?

As you can see from the table above, accidents will usually cost Escalade drivers less than tickets, but both will result in a raise in rates. Cadillac Escalade drivers with a single ticket will pay about $102 monthly, while drivers with one accident on their record pay an average of $97 a month (up $15 from the $82/mo. overall average). Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

The amount of miles you drive annually plays a role when it comes to your auto insurance prices. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll generally get lower rates. Above, you can see that Cadillac Escalade owners who drive less than 2,500 miles pay $92 for car insurance, while those who drive between 2,500 and 5,000 miles every year pay an average of $72 a month.

But if you don't drive much because have a second vehicle or you work from home, it may be worth considering pay-per-mile or usage-based insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Cadillac Escalades Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Cadillac Escalade is on your shortlist, it might be helpful to do your homework. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering.

Review the table below to see how the Cadillac Escalade stacks up:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Cadillac Escalade is on the more expensive side when it comes to price. The Escalade has a base price of $76,295, a bit more expensive than the national average vehicle MSRP of $46,192.

Although the purchase price is on the more expensive end of the spectrum, car insurance premiums are lower when compared to other vehicles on the market. Liability insurance for a Cadillac Escalade is around $47 per month less than average, while full coverage is more than $50 less per month.

When it comes to usage, Cadillac Escalade drivers are near the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Escalade's 11,316 each year.

Cadillac Escalade Car Insurance Costs by Model Year

You've seen how different variables can affect a driver's auto insurance prices. If you're considering purchasing a new Escalade, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2022 Cadillac Escalade Car Insurance 2021 Cadillac Escalade Car Insurance 2020 Cadillac Escalade Car Insurance 2019 Cadillac Escalade Car Insurance 2018 Cadillac Escalade Car Insurance 2017 Cadillac Escalade Car Insurance 2016 Cadillac Escalade Car Insurance 2015 Cadillac Escalade Car Insurance 2014 Cadillac Escalade Car Insurance 2013 Cadillac Escalade Car Insurance 2012 Cadillac Escalade Car Insurance 2011 Cadillac Escalade Car Insurance 2010 Cadillac Escalade Car Insurance

2022 Cadillac Escalade Car Insurance

If you're looking for a brand new Cadillac Escalade, you've got options. With ten different trim levels available on this year's Escalade, you're sure to find one that suits your style.

When it comes to car insurance, it costs about $34 a month, on average, to insure a 2022 Cadillac Escalade for liability only and $100 monthly for full coverage. And if you want the cheapest insurance possible, Shelter Mutual offers liability only policies for sometimes as low as $32 per month.

Even though this gave you a good idea of what the average 2022 Escalade will cost to insure, a personalized quote is the only way to find out exactly how much you'll pay. With Compare.com, you can get multiple quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

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2021 Cadillac Escalade Car Insurance

If you're in the market for a 2021 Escalade or already own one, you're most likely looking at an average auto insurance rate of around $243 for full coverage or $98 for a liability only policy.

And if you're just looking for the lowest insurance for your Escalade, Mercury offers liability only policies for as cheap as $39 a month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2020 Cadillac Escalade Car Insurance

The average cost to insure a 2020 Cadillac Escalade with liability only coverage is $56 monthly, while full coverage runs about $153 per month.

With rates as low as just $25 a month, Clearcover offered the cheapest policy we found for the 2020 Cadillac Escalade.

If you want to find the best prices for car insurance for a 2020 Cadillac Escalade, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

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2019 Cadillac Escalade Car Insurance

On average, drivers who own a 2019 Escalade can expect to pay $64 to $166 per month for liability only and full coverage insurance, respectively.

We found SafeAuto offered the most affordable policy, with rates as little as $39 monthly.

Interested in just how much you'll pay? Enter your ZIP code below to get several customized quotes for free.

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2018 Cadillac Escalade Car Insurance

You can expect full coverage for a 2018 Cadillac Escalade to run around $193 a month, while liability only coverage will average about $70 per month.

With premiums as cheap as just $23 monthly, Shelter Mutual offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2017 Cadillac Escalade Car Insurance

It costs around $60 a month for liability or $186 for a full coverage policy for the 2017 Escalade.

If you're looking for the lowest possible 2017 Cadillac Escalade insurance policy, Mercury offered the cheapest policy we found, with rates sometimes as little as $40 per month.

Want something more accurate than national averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing many personalized quotes from the nation's top insurance companies.

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2016 Cadillac Escalade Car Insurance

2016 Cadillac Escalade drivers can expect to pay an average of $77 monthly for liability or $192 for full coverage.

Sun Coast has rates sometimes as cheap as $29 per month for the 2016 Cadillac Escalade.

If you want to find the best prices for auto insurance for a 2016 Cadillac Escalade, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2015 Cadillac Escalade Car Insurance

The average cost to insure a 2015 Escalade with liability only coverage is $78 a month, while full coverage runs about $191 monthly.

Looking for the most affordable policy? Safeco offered liability only coverage for as low as $27 per month.

If you're looking for a more exact figure on what you should pay for insurance for a 2015 Cadillac Escalade, you can get free quotes in minutes by just entering your ZIP code below.

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2014 Cadillac Escalade Car Insurance

On average, drivers who own a 2014 Cadillac Escalade can expect to pay $124 to $169 a month for liability only and full coverage auto insurance, respectively.

Mercury offered the lowest policy we found, with rates as cheap as $24 monthly.

Want to find the best rates? Get a variety of free personalized quotes by just entering your ZIP code below.

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2013 Cadillac Escalade Car Insurance

You can expect full coverage for a 2013 Escalade to run around $180 per month, while liability only coverage will average about $100 monthly.

If you're looking for the most affordable 2013 Cadillac Escalade insurance policy, Arrowhead offered the cheapest policy we found, with rates as little as just $41 a month.

These average premiums are a great starting point if you're in the market for a 2013 Cadillac Escalade, but there are many different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2012 Cadillac Escalade Car Insurance

It costs around $90 monthly for liability or $172 for a full coverage policy for the 2012 Cadillac Escalade.

With prices sometimes as cheap as $26 a month, Shelter Mutual offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2011 Cadillac Escalade Car Insurance

2011 Escalade drivers can expect to pay an average of $65 per month for liability or $189 for full coverage.

We found Liberty Mutual offered the cheapest policy, with rates sometimes as little as $27 a month.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2010 Cadillac Escalade Car Insurance

The average cost to insure a 2010 Cadillac Escalade with liability only coverage is $80 per month, while full coverage runs about $195 monthly.

ACG offered the lowest policy we found, with rates sometimes as low as $16 a month.

While these are good estimates of what the average driver might pay to insure a 2010 Cadillac Escalade, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Cadillac Escalade Insurance FAQs

Is a Cadillac Escalade expensive to insure?

The Cadillac Escalade is more expensive to insure compared to the average vehicle. Liability insurance runs an average of $82 monthly, while full coverage will cost you around $172.

How can I get the best price on car insurance for my Cadillac Escalade?

The only way to confirm you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from lots of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a lot of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Cadillac Escalade affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car before? Well, that's simply not true. While there are many variables auto insurance carriers consider when they offer you a premium, your Cadillac Escalade's color isn't one of them.

Do I need to have insurance before I buy a Cadillac Escalade?

You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a a new SUV is to talk with your insurance carrier beforehand.

What car insurance discounts can I get for my Cadillac Escalade?

There are tons of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the Escalade you drive, but if your Escalade has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about which discounts they offer, since they change quite a bit from carrier to carrier.