Insurance for Cadillac Vehicles
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UPDATED: Apr 19, 2024
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The following table shows average insurance prices for popular Cadillac vehicles. Some additional models are displayed at the end of the article
| Vehicle Model | Annual Premium | Monthly Premium |
|---|---|---|
| Cadillac ATS | $1,446 | $121 |
| Cadillac ATS-V | $1,848 | $154 |
| Cadillac CT4 | $1,462 | $122 |
| Cadillac CT5 | $1,506 | $126 |
| Cadillac CTS | $1,534 | $128 |
| Cadillac CTS-V | $1,740 | $145 |
| Cadillac DTS | $1,670 | $139 |
| Cadillac Escalade | $1,904 | $159 |
| Cadillac Lyriq | $1,848 | $154 |
| Cadillac SRX | $1,580 | $132 |
| Cadillac STS | $1,696 | $141 |
| Cadillac XT4 | $1,470 | $123 |
| Cadillac XT5 | $1,624 | $135 |
| Cadillac XT6 | $1,448 | $121 |
| Cadillac XTS | $1,624 | $135 |
| Get Rates for Your Model Go | ||
Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
The prior chart uses the data from all Cadillac vehicles in the above table to show how different situations can affect car insurance prices.
Auto insurance rates for a Cadillac range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $6,000 a year.
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $2,000 to $2,700 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 45% to 133% more than average.
Choosing high deductibles can reduce rates by up to $780 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year
Your home state also has a big influence on Cadillac insurance rates. A middle-age driver might find rates as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,220 on average in Michigan, Montana, and California.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,522 | -$162 | -9.6% |
| Alaska | $1,292 | -$392 | -23.3% |
| Arizona | $1,398 | -$286 | -17.0% |
| Arkansas | $1,684 | -$0 | 0.0% |
| California | $1,918 | $234 | 13.9% |
| Colorado | $1,610 | -$74 | -4.4% |
| Connecticut | $1,730 | $46 | 2.7% |
| Delaware | $1,906 | $222 | 13.2% |
| Florida | $2,108 | $424 | 25.2% |
| Georgia | $1,554 | -$130 | -7.7% |
| Hawaii | $1,210 | -$474 | -28.1% |
| Idaho | $1,140 | -$544 | -32.3% |
| Illinois | $1,254 | -$430 | -25.5% |
| Indiana | $1,268 | -$416 | -24.7% |
| Iowa | $1,136 | -$548 | -32.5% |
| Kansas | $1,602 | -$82 | -4.9% |
| Kentucky | $2,296 | $612 | 36.3% |
| Louisiana | $2,494 | $810 | 48.1% |
| Maine | $1,040 | -$644 | -38.2% |
| Maryland | $1,390 | -$294 | -17.5% |
| Massachusetts | $1,348 | -$336 | -20.0% |
| Michigan | $2,926 | $1,242 | 73.8% |
| Minnesota | $1,410 | -$274 | -16.3% |
| Mississippi | $2,018 | $334 | 19.8% |
| Missouri | $1,494 | -$190 | -11.3% |
| Montana | $1,810 | $126 | 7.5% |
| Nebraska | $1,328 | -$356 | -21.1% |
| Nevada | $2,020 | $336 | 20.0% |
| New Hampshire | $1,212 | -$472 | -28.0% |
| New Jersey | $1,884 | $200 | 11.9% |
| New Mexico | $1,492 | -$192 | -11.4% |
| New York | $1,776 | $92 | 5.5% |
| North Carolina | $970 | -$714 | -42.4% |
| North Dakota | $1,378 | -$306 | -18.2% |
| Ohio | $1,162 | -$522 | -31.0% |
| Oklahoma | $1,730 | $46 | 2.7% |
| Oregon | $1,544 | -$140 | -8.3% |
| Pennsylvania | $1,608 | -$76 | -4.5% |
| Rhode Island | $2,246 | $562 | 33.4% |
| South Carolina | $1,528 | -$156 | -9.3% |
| South Dakota | $1,420 | -$264 | -15.7% |
| Tennessee | $1,476 | -$208 | -12.4% |
| Texas | $2,030 | $346 | 20.5% |
| Utah | $1,246 | -$438 | -26.0% |
| Vermont | $1,152 | -$532 | -31.6% |
| Virginia | $1,010 | -$674 | -40.0% |
| Washington | $1,302 | -$382 | -22.7% |
| West Virginia | $1,544 | -$140 | -8.3% |
| Wisconsin | $1,166 | -$518 | -30.8% |
| Wyoming | $1,502 | -$182 | -10.8% |
Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted rates will be varied between companies.
Additional Cadillac Vehicles
- Cadillac Allante Insurance
- Cadillac Brougham Insurance
- Cadillac Coupe Insurance
- Cadillac CTS-V Coupe Insurance
- Cadillac Deville Insurance
- Cadillac Eldorado Insurance
- Cadillac ELR Insurance
- Cadillac Fleetwood Insurance
- Cadillac Seville Insurance
- Cadillac XLR Insurance
U.S. averages for full coverage Cadillac vehicle insurance
National average data is compiled from all 50 U.S. states for the Cadillac models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,048 |
| 20 | $3,886 |
| 30 | $1,776 |
| 40 | $1,684 |
| 50 | $1,534 |
| 60 | $1,504 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,194 |
| $250 | $1,956 |
| $500 | $1,684 |
| $1,000 | $1,420 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,680 |
| 20 | $6,176 |
| 30 | $3,744 |
| 40 | $3,646 |
| 50 | $3,474 |
| 60 | $3,444 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $92 |
| Multi-vehicle | $86 |
| Homeowner | $23 |
| 5-yr Accident Free | $132 |
| 5-yr Claim Free | $110 |
| Paid in Full/EFT | $83 |
| Advance Quote | $87 |
| Online Quote | $122 |
| Total Discounts | $735 |
Discounts are estimated and may not be available from every company or in every state.
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