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.

Estimated insurance prices for a Cadillac SRX are $1,286 every 12 months with full coverage. Comprehensive insurance costs an estimated $242, collision costs $426, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,790 or more. 16-year-old drivers pay the most at $4,956 a year or more.

Average premium for full coverage: $1,286

Premium estimates broken down by type of coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all SRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.

The example below illustrates how location helps determine insurance prices.

These rate differences demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than using rate averages.

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

More Rate Details

The chart below details estimated Cadillac SRX insurance rates for other coverage scenarios.

• The best full coverage rate is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $152 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,286
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $296 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,790 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $4,956 a year

View Chart as Image

Insurance prices for a Cadillac SRX also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could save up to $450 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,500 to $2,100 extra annually, depending on your age. Cadillac SRX insurance for high-risk drivers can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Cadillac SRX insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, so the prices will be substantially 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 Shop for the Best Cheap Cadillac SRX Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having good credit, being claim-free, and taking advantage of discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick review of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Drivers with a DUI or reckless driving violation may pay on average $1,500 more annually than a low-risk driver
• Increasing policy deductibles could save as much as $450 each year
• Youthful drivers are charged the highest prices, possibly costing $413 per month if they have full coverage

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.