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.

U.S. average insurance rates for a Cadillac SRX are $1,286 a year for full coverage insurance. Comprehensive costs on average $242 a year, collision costs $426, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,790. 16-year-old drivers pay the highest rates at $4,956 a year or more.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and SRX trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location, rather than using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Cadillac SRX insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $749
• Using higher $1,000 deductibles will save around $1,134 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,286
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,582
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,790 or more
• The price that insures a teenage driver may cost $4,956 or more

View Chart as Image

Insurance prices for a Cadillac SRX are also quite variable based on the trim level of your SRX, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can be around 42% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Cadillac SRX insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $450 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different.

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 Cheapest Cadillac SRX Insurance

Getting lower rates on auto insurance requires being a good driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop every other policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a recap of the ideas that were touched on in this article.

• Drivers age 16 to 20 pay higher prices, as much as $413 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may pay on average $1,500 more each year than a safer driver
• Increasing physical damage deductibles can save approximately $450 each year
• It is possible to save as much as $150 per year simply by quoting early and online

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.