Cadillac SRX Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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What is a Cadillac SRX? It is a luxury midsize crossover SUV. The Cadillac SRX insurance rates cost $126 per month or $1,510 annually. But what factors determine assurance on a Cadillac SRX?
Perhaps you’re wondering will the number of miles I drive per year affect my rate? Or maybe you’re asking will where I live affect my insurance rate? Both will impact your Cadillac SRX insurance prices. Read our comprehensive guide to see how insurance companies use many variables when calculating cheap car insurance premiums.
How can you easily compare rates between different providers for your 2015 Cadillac SRX or your Cadillac SRX 2010? Just enter your five-digit ZIP code into our FREE quote comparison tool to get started.
The average auto insurance rates for a Cadillac SRX are $1,286 annually including full coverage. Comprehensive costs on average $242 a year, collision costs $426, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,790. Teens cost the most to insure at $4,956 a year or more.
Average premium for full coverage: $1,286
Policy rates by type of insurance:
Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and SRX trim levels.
Price Range Variability
For the normal driver, Cadillac SRX insurance rates go from as cheap as $510 for your basic liability-only policy to a high of $2,790 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects car insurance rates.
The examples above highlight why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down estimated Cadillac SRX insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $749
- Using higher $1,000 deductibles will save around $1,134 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,286
- Selecting low $100 deductibles for physical damage coverage will cost $1,582
- High-risk insureds with serious driving violations could pay upwards of $2,790 or more
- Policy cost with full coverage for a 16-year-old driver may cost $4,956 or more
Insurance rates for a Cadillac SRX also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be from 42% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $450 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac SRX insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,840 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,164 | -$122 | -9.5% |
Alaska | $986 | -$300 | -23.3% |
Arizona | $1,068 | -$218 | -17.0% |
Arkansas | $1,286 | -$0 | 0.0% |
California | $1,466 | $180 | 14.0% |
Colorado | $1,230 | -$56 | -4.4% |
Connecticut | $1,322 | $36 | 2.8% |
Delaware | $1,456 | $170 | 13.2% |
Florida | $1,608 | $322 | 25.0% |
Georgia | $1,188 | -$98 | -7.6% |
Hawaii | $924 | -$362 | -28.1% |
Idaho | $870 | -$416 | -32.3% |
Illinois | $958 | -$328 | -25.5% |
Indiana | $968 | -$318 | -24.7% |
Iowa | $868 | -$418 | -32.5% |
Kansas | $1,222 | -$64 | -5.0% |
Kentucky | $1,756 | $470 | 36.5% |
Louisiana | $1,904 | $618 | 48.1% |
Maine | $794 | -$492 | -38.3% |
Maryland | $1,062 | -$224 | -17.4% |
Massachusetts | $1,030 | -$256 | -19.9% |
Michigan | $2,234 | $948 | 73.7% |
Minnesota | $1,076 | -$210 | -16.3% |
Mississippi | $1,540 | $254 | 19.8% |
Missouri | $1,140 | -$146 | -11.4% |
Montana | $1,382 | $96 | 7.5% |
Nebraska | $1,014 | -$272 | -21.2% |
Nevada | $1,544 | $258 | 20.1% |
New Hampshire | $928 | -$358 | -27.8% |
New Jersey | $1,438 | $152 | 11.8% |
New Mexico | $1,140 | -$146 | -11.4% |
New York | $1,354 | $68 | 5.3% |
North Carolina | $742 | -$544 | -42.3% |
North Dakota | $1,052 | -$234 | -18.2% |
Ohio | $888 | -$398 | -30.9% |
Oklahoma | $1,322 | $36 | 2.8% |
Oregon | $1,178 | -$108 | -8.4% |
Pennsylvania | $1,226 | -$60 | -4.7% |
Rhode Island | $1,716 | $430 | 33.4% |
South Carolina | $1,164 | -$122 | -9.5% |
South Dakota | $1,086 | -$200 | -15.6% |
Tennessee | $1,128 | -$158 | -12.3% |
Texas | $1,552 | $266 | 20.7% |
Utah | $952 | -$334 | -26.0% |
Vermont | $882 | -$404 | -31.4% |
Virginia | $770 | -$516 | -40.1% |
Washington | $996 | -$290 | -22.6% |
West Virginia | $1,178 | -$108 | -8.4% |
Wisconsin | $892 | -$394 | -30.6% |
Wyoming | $1,148 | -$138 | -10.7% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates rates differently, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Cadillac SRX 2WD | $1,230 | $103 |
Cadillac SRX Luxury 2WD | $1,258 | $105 |
Cadillac SRX Luxury AWD | $1,258 | $105 |
Cadillac SRX Performance 2WD | $1,286 | $107 |
Cadillac SRX Performance AWD | $1,286 | $107 |
Cadillac SRX Premium 2WD | $1,286 | $107 |
Cadillac SRX Premium AWD | $1,314 | $110 |
Rates assume 2016 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2016 Cadillac SRX | $242 | $426 | $460 | $1,286 |
2015 Cadillac SRX | $234 | $400 | $464 | $1,256 |
2014 Cadillac SRX | $228 | $374 | $474 | $1,234 |
2013 Cadillac SRX | $210 | $346 | $474 | $1,188 |
2012 Cadillac SRX | $206 | $314 | $478 | $1,156 |
2011 Cadillac SRX | $192 | $288 | $474 | $1,112 |
2010 Cadillac SRX | $180 | $262 | $474 | $1,074 |
2006 Cadillac SRX | $154 | $208 | $446 | $966 |
2005 Cadillac SRX | $150 | $198 | $442 | $948 |
Rates are averaged for all Cadillac SRX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Cadillac SRX Insurance
Finding cheaper rates on insurance for a Cadillac SRX requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a recap of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk that have major violations or accidents pay on average $1,500 more each year to insure a Cadillac SRX
- You may be able to save as much as $150 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Insureds who require increased liability limits will pay approximately $510 per year to increase from a 30/60 limit to higher 250/500 limits
We’ve answered questions about how much does it cost to insure a Cadillac SRX on average. Now you can answer for yourself the question of is the Cadillac SRX a good car for you?
More goes into car insurance rates than simply car models. To those asking, will my age affect my insurance rate? The answer is yes. At what age will my rates go down? Usually, once you turn twenty-six your rates decrease substantially.
Regardless of your age, secure the cheapest insurance rates after you purchase your new or used Cadillac SRX by entering your ZIP code into our FREE quote comparison tool below.
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What are the safety ratings for the Cadillac SRX?
Understanding the Cadillac SRX safety ratings will help you see where you save money on car insurance and what might cost you more.
For example, have you ever wondered do they still make Cadillac SRX? The 2016 Cadillac SRX was the last model they produced of this vehicle.
Why was Cadillac SRX discontinued? Looking at the Cadillac SRX history, despite being a popular model, it was replaced in 2017 by the XT5.
While there is no Cadillac SRX 2019 model, maybe you’re wondering, will I get a lower rate if I buy a used Cadillac SRX? It depends on the year of the model you purchase. Looking at the Cadillac SRX reviews, there was a safety recall on some of the 2010 models.
See the 2016 Cadillac SRX safety ratings below.
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The rating of Good is the best score given by the Insurance Insitute for Highway Safety. These outcomes definitely help lower your car insurance rates.
Are there different insurance rates for the different trims? There are different Cadillac SRX trims available, fortunately, they do not impact the safety ratings, so your rates will be unaffected.
The astute car shopper might think, what safety features can I get on a Cadillac SRX to save money on my insurance? Anti-theft devices, factory airbags, and antilock brakes help you qualify for discounts.
Cadillac SRX Compared Against other Vehicles in the Same Class
Is it more expensive to insure a Cadillac SRX than other vehicles? One way to answer this is by looking at how does the Cadillac SRX differ from other vehicles in the same class. Officially, the Insurance Institute for Highway Safety labels the Cadillac SRX as a midsize luxury SUV.
Comparing your vehicle’s insurance loss ratios to other similar models can help you save on car insurance. See how similar luxury midsize SUVs compare below.
The Cadillac SRX has average levels of insurance loss ratios in all categories, from the -13 percent for bodily injury loss to the one percent for collision loss. That’s good news for your insurance rates.
However, when calculating rates, insurance companies will also ask is a Cadillac SRX viewed as a high-risk vehicle, and are Cadillac SRXs expensive to repair? Because this is a discontinued luxury vehicle, it is costly to fix and does increase your premiums.
Before you ask, will I pay more if I opt for the sport package, know that some of those parts are more expensive to replace. However, if you’re wondering will the color of my Cadillac SRX affect my rate, that is just a myth.
However, there are factors separate from your vehicle’s make and model that impact your rates. For example, to those wondering will my driving record affect my insurance rate, or will my credit rating affect my insurance rate, the answer is yes.
You’re now an expert on Cadillac SRX insurance rates. Stop asking, should I compare rates, and start shopping. Immediately secure the lowest assurance on a Cadillac SRX by entering your ZIP code into our FREE quote comparison tool.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,956 |
20 | $2,972 |
30 | $1,330 |
40 | $1,286 |
50 | $1,178 |
60 | $1,154 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,582 |
$250 | $1,444 |
$500 | $1,286 |
$1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,286 |
50/100 | $1,406 |
100/300 | $1,521 |
250/500 | $1,820 |
100 CSL | $1,452 |
300 CSL | $1,705 |
500 CSL | $1,889 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,044 |
20 | $4,740 |
30 | $2,838 |
40 | $2,790 |
50 | $2,666 |
60 | $2,642 |
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 | $68 |
Multi-vehicle | $69 |
Homeowner | $20 |
5-yr Accident Free | $90 |
5-yr Claim Free | $83 |
Paid in Full/EFT | $55 |
Advance Quote | $62 |
Online Quote | $90 |
Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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