If you’re looking for insurance for your Cadillac Escalade in 2025, you’re in the right place. Car insurance rates for the Cadillac Escalade depend on factors like your driving record, location and car model year.
A 2023 Cadillac Escalade typically costs around $3,299 per year to insure, although prices vary widely for older models. For example, a 2021 Escalade costs $3,012 annually, whereas you’ll pay $2,784 annually for a 2018 model (on average).
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Cadillac Escalade.
What is the cost to insure your Cadillac Escalade in 2025?
On average, insuring a Cadillac Escalade costs $279 per month – or $3,348 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Cadillac Escalade
Nationwide offers the cheapest car insurance rates for Cadillac Escalade at an average annual cost of $2,414 a year or $201 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Cadillac Escalade
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,414 | $1,207 | $201 |
| State Farm | $2,600 | $1,300 | $217 |
| Geico | $2,950 | $1,475 | $246 |
| Progressive | $3,117 | $1,558 | $260 |
| Farmers | $4,260 | $2,130 | $355 |
| Allstate | $4,834 | $2,417 | $403 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Cadillac Escalade car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Cadillac Escalade will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
The table below shows the average annual insurance costs for various model years of the Cadillac Escalade, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $2,248 | $1,124 | $187 |
| 2015 | $2,455 | $1,228 | $205 |
| 2016 | $2,561 | $1,280 | $213 |
| 2017 | $2,621 | $1,311 | $218 |
| 2018 | $2,784 | $1,392 | $232 |
| 2019 | $2,892 | $1,446 | $241 |
| 2020 | $2,980 | $1,490 | $248 |
| 2021 | $3,012 | $1,506 | $251 |
| 2022 | $3,127 | $1,563 | $261 |
| 2023 | $3,299 | $1,650 | $275 |
Cadillac Escalade car insurance rates for different trims
When it comes to insuring a Cadillac Escalade, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims like the Escalade V, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Cadillac Escalade.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Escalade Luxury | $3,103 | $1,552 | $259 |
| Escalade Premium Luxury | $3,147 | $1,573 | $262 |
| Escalade Premium Luxury Platinum | $3,271 | $1,635 | $273 |
| Escalade ESV Luxury | $3,271 | $1,636 | $273 |
| Escalade ESV Premium Luxury | $3,293 | $1,646 | $274 |
| Escalade Sport | $3,311 | $1,656 | $276 |
| Escalade ESV Sport | $3,433 | $1,717 | $286 |
| Escalade ESV Premium Luxury Platinum | $3,454 | $1,727 | $288 |
| Escalade Sport Platinum | $3,504 | $1,752 | $292 |
| Escalade ESV Sport Platinum | $3,597 | $1,799 | $300 |
| Escalade ESV V | $3,889 | $1,945 | $324 |
| Escalade V | $4,035 | $2,018 | $336 |
Cadillac Escalade insurance rates: State-by-state breakdown
The cost of insuring a Cadillac Escalade vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Cadillac Escalade by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,879 | $1,439 | $240 |
| Alabama | $2,973 | $1,486 | $248 |
| Arkansas | $3,637 | $1,818 | $303 |
| Arizona | $3,004 | $1,502 | $250 |
| California | $3,889 | $1,944 | $324 |
| Colorado | $4,419 | $2,210 | $368 |
| Connecticut | $3,421 | $1,711 | $285 |
| Washington, D.C. | $3,874 | $1,937 | $323 |
| Delaware | $3,184 | $1,592 | $265 |
| Florida | $3,552 | $1,776 | $296 |
| Georgia | $3,858 | $1,929 | $322 |
| Hawaii | $2,049 | $1,025 | $171 |
| Iowa | $3,056 | $1,528 | $255 |
| Idaho | $2,125 | $1,062 | $177 |
| Illinois | $3,110 | $1,555 | $259 |
| Indiana | $2,949 | $1,475 | $246 |
| Kansas | $3,697 | $1,848 | $308 |
| Kentucky | $4,394 | $2,197 | $366 |
| Louisiana | $5,439 | $2,720 | $453 |
| Massachusetts | $3,133 | $1,566 | $261 |
| Maryland | $3,122 | $1,561 | $260 |
| Maine | $2,508 | $1,254 | $209 |
| Michigan | $3,854 | $1,927 | $321 |
| Minnesota | $3,880 | $1,940 | $323 |
| Missouri | $4,283 | $2,142 | $357 |
| Mississippi | $3,901 | $1,951 | $325 |
| Montana | $3,814 | $1,907 | $318 |
| North Carolina | $2,706 | $1,353 | $225 |
| North Dakota | $3,208 | $1,604 | $267 |
| Nebraska | $3,714 | $1,857 | $310 |
| New Hampshire | $2,586 | $1,293 | $216 |
| New Jersey | $3,173 | $1,587 | $264 |
| New Mexico | $3,419 | $1,709 | $285 |
| Nevada | $2,915 | $1,457 | $243 |
| New York | $2,473 | $1,236 | $206 |
| Ohio | $2,472 | $1,236 | $206 |
| Oklahoma | $3,768 | $1,884 | $314 |
| Oregon | $2,958 | $1,479 | $246 |
| Pennsylvania | $3,330 | $1,665 | $277 |
| Rhode Island | $3,785 | $1,892 | $315 |
| South Carolina | $3,143 | $1,572 | $262 |
| South Dakota | $4,586 | $2,293 | $382 |
| Tennessee | $3,597 | $1,798 | $300 |
| Texas | $4,685 | $2,342 | $390 |
| Utah | $2,472 | $1,236 | $206 |
| Virginia | $2,397 | $1,198 | $200 |
| Vermont | $2,787 | $1,394 | $232 |
| Washington | $2,701 | $1,351 | $225 |
| Wisconsin | $2,671 | $1,335 | $223 |
| West Virginia | $3,145 | $1,572 | $262 |
| Wyoming | $3,958 | $1,979 | $330 |
How your age impacts Cadillac Escalade insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $12,204 | $6,102 | $1,017 |
| Adults | $3,348 | $1,674 | $279 |
The bottom line
Knowing how much it costs to insure a Cadillac Escalade is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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