Cadillac Escalade vs Land Rover Discovery Insurance Cost
The Cadillac Escalade is cheaper to insure by about $10 a year for full coverage by our estimate ($1,655 vs. $1,665), and cheaper in 43 of 51 states.
Side-by-side insurance estimate
| Coverage | Cadillac Escalade | Land Rover Discovery | Difference |
|---|---|---|---|
| State minimum | $535 | $545 | −$10 |
| Standard (100/300/100) | $770 | $790 | −$20 |
| Full coverage | $1,655 | $1,665 | −$10 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Escalade minus Discovery.
Why one costs more to insure
| Factor | Cadillac Escalade | Land Rover Discovery |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid, Diesel, Flex-fuel | Gasoline, Hybrid, Diesel |
| HLDI collision (100 = avg) | 110 | 116 |
| HLDI comprehensive | 152 | 157 |
| HLDI property damage liability | 89 | 84 |
| HLDI bodily injury liability | 76 | — |
| NHTSA overall rating | 5★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 4 | 5 |
Collision losses are the biggest swing factor: the Land Rover Discovery has 6 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Escalade vs Discovery insurance by state
By driver profile (full coverage)
| Driver | Escalade | Discovery |
|---|---|---|
| Teen driver (18, own policy) | $4,555 | $4,585 |
| Young adult (22) | $2,650 | $2,665 |
| Adult in their 30s | $1,655 | $1,665 |
| Adult in their 50s | $1,525 | $1,535 |
| Senior (72) | $1,855 | $1,865 |
| 30s, one at-fault accident | $2,400 | $2,415 |
| 30s, DUI on record | $3,065 | $3,085 |
More comparisons
Frequently asked questions
Is the Cadillac Escalade or the Land Rover Discovery cheaper to insure?
By our estimate the Cadillac Escalade is cheaper, by about $10 a year for full coverage ($1,655 vs. $1,665) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Cadillac Escalade and Land Rover Discovery?
Mostly because of insurance-loss history: HLDI collision indices of 110 vs. 116 and comprehensive indices of 152 vs. 157 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.