Cadillac SRX Insurance Rates
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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 rates for a Cadillac SRX are $1,340 a year for full coverage. Comprehensive insurance costs approximately $258, collision insurance costs $464, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs $2,908 or more. Teens receive the highest rates at up to $5,128 a year.
Average premium for full coverage: $1,340
Rate estimates by individual coverage type:
Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all SRX models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $510 for your basic liability-only policy to the much higher price of $2,908 for a high-risk driver policy.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance prices.
These examples show why everyone should get quotes using their specific location, instead of using averaged prices.
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.
More Rate Information
The chart below shows average Cadillac SRX insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $774
- Choosing higher $1,000 deductibles can save $164 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,340
- Selecting pricier low deductibles for comp and collision coverage will cost an additional $318 every year
- Unlucky drivers with serious driving violations could pay around $2,908
- The cost that insures a teen driver for full coverage can cost $5,128 each year
Insurance rates for a Cadillac SRX can also vary considerably based on the model of your SRX, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,200 additional per year, depending on your age. Cadillac SRX insurance for high-risk drivers ranges as much as 43% to 133% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac SRX insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,910 on average in New York, Louisiana, and Michigan.
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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $490 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
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.
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 Find the Best Cheap Cadillac SRX Insurance
Saving money on car insurance takes being a safe and courteous driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a quick review of the information raised in the charts and tables above.
- Drivers can save around $160 per year just by quoting online well ahead of the renewal date
- Teenage drivers are the costliest to insure, costing as high as $427 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $475 each year
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,570 more per year for auto insurance
- Policyholders who purchase higher levels of liability will pay approximately $510 each year to raise limits from a minimum limit to the 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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,658 |
$250 | $1,510 |
$500 | $1,340 |
$1,000 | $1,176 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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