Cadillac SRX Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Average insurance prices for a Cadillac SRX are $1,340 every 12 months for full coverage. Comprehensive insurance costs around $258 each year, collision insurance costs $464, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,908 or more. Teenage drivers receive the highest rates at up to $5,128 a year.

Average premium for full coverage: $1,340

Rate estimates for individual coverage type:

Comprehensive $258
Collision $464
Liability $460

Includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and SRX models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the cheapest price of $510 for the bare minimum liability coverage to a high rate of $2,908 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,340
High Risk $2,908

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,005
Small Cities $1,407
Large Cities $1,809

These examples show why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using average rates.

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.

Additional Rate Information

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

  • The best discount rate is $774
  • Raising to $1,000 deductibles will save about $164 a year
  • The average price for a 40-year-old driver using $500 deductibles is $1,340
  • Using low deductibles costs an extra $318 every year
  • At-risk drivers who are prone to accidents and violations could pay at least $2,908
  • The cost to insure a teen driver can be $5,128

View Chart as Image

Cadillac SRX insurance cost comparison chart
Column chart showing Cadillac SRX insurance prices range from $774 to $5,128 for full coverage

Insurance rates for a Cadillac SRX can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $490 every year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Cadillac SRX insurance prices. A middle-age driver might find rates as low as $880 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,910 on average in Michigan, Louisiana, and New York.

Cadillac SRX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,212 -$128 -9.6%
Alaska $1,028 -$312 -23.3%
Arizona $1,112 -$228 -17.0%
Arkansas $1,340 -$0 0.0%
California $1,526 $186 13.9%
Colorado $1,280 -$60 -4.5%
Connecticut $1,378 $38 2.8%
Delaware $1,516 $176 13.1%
Florida $1,678 $338 25.2%
Georgia $1,236 -$104 -7.8%
Hawaii $962 -$378 -28.2%
Idaho $908 -$432 -32.2%
Illinois $998 -$342 -25.5%
Indiana $1,010 -$330 -24.6%
Iowa $904 -$436 -32.5%
Kansas $1,274 -$66 -4.9%
Kentucky $1,828 $488 36.4%
Louisiana $1,982 $642 47.9%
Maine $828 -$512 -38.2%
Maryland $1,106 -$234 -17.5%
Massachusetts $1,072 -$268 -20.0%
Michigan $2,330 $990 73.9%
Minnesota $1,122 -$218 -16.3%
Mississippi $1,606 $266 19.9%
Missouri $1,190 -$150 -11.2%
Montana $1,440 $100 7.5%
Nebraska $1,058 -$282 -21.0%
Nevada $1,608 $268 20.0%
New Hampshire $966 -$374 -27.9%
New Jersey $1,498 $158 11.8%
New Mexico $1,188 -$152 -11.3%
New York $1,412 $72 5.4%
North Carolina $770 -$570 -42.5%
North Dakota $1,098 -$242 -18.1%
Ohio $926 -$414 -30.9%
Oklahoma $1,378 $38 2.8%
Oregon $1,226 -$114 -8.5%
Pennsylvania $1,278 -$62 -4.6%
Rhode Island $1,788 $448 33.4%
South Carolina $1,214 -$126 -9.4%
South Dakota $1,132 -$208 -15.5%
Tennessee $1,174 -$166 -12.4%
Texas $1,616 $276 20.6%
Utah $994 -$346 -25.8%
Vermont $916 -$424 -31.6%
Virginia $804 -$536 -40.0%
Washington $1,038 -$302 -22.5%
West Virginia $1,230 -$110 -8.2%
Wisconsin $926 -$414 -30.9%
Wyoming $1,194 -$146 -10.9%

View Chart as Image

Cadillac SRX insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Cadillac SRX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac SRX 2WD $1,280 $107
Cadillac SRX Luxury 2WD $1,308 $109
Cadillac SRX Luxury AWD $1,308 $109
Cadillac SRX Performance 2WD $1,340 $112
Cadillac SRX Performance AWD $1,340 $112
Cadillac SRX Premium 2WD $1,340 $112
Cadillac SRX Premium AWD $1,370 $114

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.

Cadillac SRX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Cadillac SRX $258 $464 $460 $1,340
2015 Cadillac SRX $242 $426 $460 $1,286
2014 Cadillac SRX $234 $400 $464 $1,256
2013 Cadillac SRX $228 $374 $474 $1,234
2012 Cadillac SRX $210 $346 $474 $1,188
2011 Cadillac SRX $206 $314 $478 $1,156
2010 Cadillac SRX $192 $288 $474 $1,112
2006 Cadillac SRX $168 $218 $452 $996
2005 Cadillac SRX $154 $208 $446 $966
2004 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 Shop for the Cheapest Cadillac SRX Insurance

Saving money on car insurance consists of avoiding accidents and claims, having good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the car insurance concepts presented in the illustrations above.

  • Higher risk drivers that have major violations or accidents may pay on average $1,570 more every year to insure a Cadillac SRX
  • Drivers can save up to $160 per year just by quoting online in advance
  • Increasing deductibles could save as much as $475 each year
  • Policyholders who may need increased liability limits will pay an extra $510 each year to raise from a minimum limit to a 250/500 level

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.

Rates by Driver Age

Cadillac SRX Insurance Rates by Driver Age
Driver Age Premium
16 $5,128
20 $3,100
30 $1,388
40 $1,340
50 $1,226
60 $1,202

Full coverage, $500 deductibles

Rates by Deductible

Cadillac SRX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,658
$250 $1,510
$500 $1,340
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Cadillac SRX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,340
50/100 $1,462
100/300 $1,577
250/500 $1,876
100 CSL $1,508
300 CSL $1,761
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac SRX Insurance Rates for High Risk Drivers
Age Premium
16 $7,296
20 $4,940
30 $2,962
40 $2,908
50 $2,780
60 $2,756

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.

SR-22 Surcharge $188

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $96
5-yr Claim Free $87
Paid in Full/EFT $59
Advance Quote $65
Online Quote $95
Total Discounts $566
Rate after discounts $774

Discounts are estimated and may not be available from every company or in every state.

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