Cadillac SRX Insurance Rates

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.

Average insurance rates for a Cadillac SRX are $1,286 a year for full coverage. Comprehensive costs around $242, collision insurance costs $426, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs around $2,790. Teens receive the highest rates at up to $4,956 a year.

Average premium for full coverage: $1,286

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different SRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average Cadillac SRX insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save about $152 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,286
• Selecting more expensive low deductibles bumps up the cost to $1,582
• Drivers with serious driving violations could pay at least $2,790
• The cost that insures a 16-year-old driver with full coverage can be $4,956

View Chart as Image

Insurance rates for a Cadillac SRX can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,900 a year. View Rates by Age

Where you live also has a big influence on Cadillac SRX insurance prices. A middle-age driver might find rates as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $450 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Cadillac SRX Insurance

Saving money on insurance for a Cadillac SRX consists of avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Compare rates at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the data touched on in the above illustrations.

• Insureds who may need higher liability limits will pay approximately $510 each year to raise from a minimum limit to the 250/500 level
• Drivers can save up to $150 per year just by shopping early and online
• Increasing deductibles can save approximately $450 each year
• Teenagers pay higher rates, costing as high as $413 per month if full coverage is included

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.

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. 

• BMW X3
• Infiniti QX60
• Mercedes-Benz GLC 300

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.