How much is insurance on a Cadillac Escalade?
A 2024 Cadillac Escalade runs about $2,420 a year for a typical 45-year-old, $480 more than an average car of the same age, because of higher non-crash losses and higher crash-repair losses. Putting a new 16-year-old on a family policy with the Escalade adds about $1,600 a year (#16 of 18 standard SUVs we compare).
2024 Cadillac Escalade (Escalade 2WD), national average
about $2,420 a year (about $200 a month)
Estimated range: $1,550–$3,700. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Escalade drops to about $1,810 (see the table below).
Priced for the 2024 Escalade 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Escalade's rank is the same in every state.
Why the Cadillac Escalade costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Cadillac Escalade 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 109 for crash repairs, 206 for non-crash damage, and 102 for damage to others' property.
- Crash repairs (collision)fixing this car after a crashAverage9% worse than average15th best of the 18 standard SUVs we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesSubstantially worse than average106% worse than averageworst of the 17 standard SUVs we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage2% worse than average13th best of the 18 standard SUVs we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model
HLDI rates results within about 20% of average as “Average.”
HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Escalade comes out about 37% worse than average. Published prices for luxury makes like this one run higher than their loss results alone suggest, so we also add a smaller version of an adjustment we fitted to those prices (how much smaller is our estimate). With it, the part of the bill that fixes the car is about 49% more than average: about $1,420 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Escalade, so we go by that one result: about 2% worse than average. We count about half, so that part is about 1% more: $1,000 a year vs $990.
In EPA size classes, the Escalade is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Cadillac Escalade is benchmarked against large luxury SUVs.
- Expensive and electric cars can cost more or less to insure than their repair records suggest.
Matched to HLDI series “Cadillac Escalade 4dr” (HLDI, 2022–24 models).
A used Cadillac Escalade, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Escalade 2WD (0–3 years old) | about $2,420 | about $1,000 | +$1,600 | about $6,950 |
 2022 Escalade 2WD (4–7 years old) | about $2,250 | about $1,000 | +$1,490 | about $6,460 |
 2018 Escalade 2WD (8–12 years old) | about $2,150 | about $1,100 | +$1,420 | about $6,160 |
 2013 Escalade 2WD (13 or more years old) | about $1,810 | about $910 | +$1,190 | about $5,180 |
Our catalog covers the Cadillac Escalade across model years 2006–2027. Full coverage on a used 2013 Escalade (13 or more years old) runs about $1,810 a year, $620 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $910 a year. Each photo shows that year's generation of the car. Photo credits.
Across 2024 Cadillac Escalade trims, full coverage goes from about $2,250 a year on the Escalade 4WD to about $2,420 on the Escalade 2WD, because HLDI's loss results differ by body, drive, or powertrain.
- Escalade 4WD; Escalade V AWD: about $2,250
- Escalade 2WD: about $2,420
On a policy of their own with a 2024 Cadillac Escalade, a 22–25-year-old pays about $3,150 a year ($730 more than a 45-year-old), a 26–39-year-old about $2,690, and a driver 65 and older about $2,540.
Adding a 16-year-old with a Cadillac Escalade
A new driver costs more with any car, and more than usual with the Cadillac Escalade: adding a 16-year-old raises the family bill by about $1,600 a year ($135 a month), $320 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,950 a year ($5,350 more than adding them to the family policy).
For adding a teen driver, the Cadillac Escalade ranks 11th most expensive out of all 121 models we track. Stepping down to a used 2013 Escalade (13 or more years old) brings the teen add-on to about $1,190 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar standard SUVs
Among these 18 standard SUVs, the Cadillac Escalade is the 3rd most expensive to insure. Right next to it are the Chevrolet Suburban (about $2,090 a year) and the BMW X5 (about $2,700).
2024 Mazda CX-90about $1,840 ($580 less)
2024 Jeep Grand Cherokeeabout $1,940 ($480 less)
2024 Dodge Durangoabout $2,060 ($370 less)
2024 Chevrolet Suburbanabout $2,090 ($330 less)- 2024 Cadillac Escaladeabout $2,420 (this car)
2024 BMW X5about $2,700 ($280 more)
2024 Tesla Model Xabout $3,110 ($690 more)
Photos from Wikimedia Commons contributors. Photo credits.
What a Cadillac Escalade costs in your state
In six sample states, a 2024 Cadillac Escalade runs from about $1,560 a year in Maine through Iowa, Nebraska, Utah and Connecticut to about $2,910 in Texas:
- Maineabout $1,560/yr · +$1,030 teen
- Iowaabout $1,700/yr · +$1,120 teen
- Nebraskaabout $1,990/yr · +$1,320 teen
- Utahabout $2,160/yr · +$1,430 teen
- Connecticutabout $2,540/yr · +$1,670 teen
- Texasabout $2,910/yr · +$1,920 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.