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 rates for a Cadillac SRX are $1,286 a year for full coverage insurance. Comprehensive costs around $242 each year, collision insurance costs $426, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs around $2,790. Teenage drivers pay the most at up to $4,956 a year.

Average premium for full coverage: $1,286

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and SRX models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why all drivers should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $749
• Drivers who choose higher $1,000 deductibles will pay about $152 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,286
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,582
• High risk drivers who are prone to accidents and violations could pay at least $2,790
• An auto insurance policy for full coverage for a teen driver can be $4,956 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac SRX insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $450 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

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 Right Cadillac SRX Insurance

Finding better rates on Cadillac SRX insurance not only requires avoiding accidents and claims, but also having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a quick rundown of the car insurance concepts covered above.

• High-risk drivers with reckless driving or DUI convictions may pay on average $1,500 more every year to insure a Cadillac SRX
• It is possible to save up to $150 per year just by quoting online in advance
• Increasing policy deductibles can save around $450 each year
• Drivers who may need increased liability limits will pay an extra $510 annually to go from 30/60 bodily injury limits to 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.

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.