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).
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Cadillac Escalade.
What is the cost to insure your Cadillac Escalade in 2025?
The average cost to insure a Cadillac Escalade is $279 per month or $3,348 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
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 provides the most affordable car insurance for your Cadillac Escalade, with an average annual rate of $2,414, or $201 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer 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.
Below is a breakdown of the average annual insurance premiums for different model years of the Cadillac Escalade, offering insight into how a vehicle’s age impacts its insurance rates.
| 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
A Cadillac Escalade’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
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 to insure a Cadillac Escalade can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Cadillac Escalade car insurance rates for different states in the table below.
| 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
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
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.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 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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