Cadillac SRX Insurance Rates
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UPDATED: Dec 19, 2019
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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.
U.S. average insurance rates for a Cadillac SRX are $1,400 a year with full coverage. Comprehensive costs around $270 each year, collision costs $516, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing around $3,048. 16-year-old drivers pay the highest rates at $5,330 a year or more.
Average premium for full coverage: $1,400
Price estimates for individual coverage:
Includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and SRX models.
Price Range from Low to High
For an average driver, Cadillac SRX insurance prices go from as low as $508 for your basic liability-only policy to a high rate of $3,048 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The ranges above demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of using rate averages.
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 details estimated Cadillac SRX insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $803
- Drivers who choose higher $1,000 deductibles will pay about $176 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,400
- Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,750
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,048 or more
- The price for full coverage for a teen driver can be $5,330 a year
Insurance prices for a Cadillac SRX are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age
The state you live in makes a big difference in Cadillac SRX insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like New Hampshire, Ohio, and Utah, or at least $1,890 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Opting for high physical damage deductibles could save up to $530 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, so the prices may be quite different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Cadillac SRX 2WD||$1,334||$111|
|Cadillac SRX Luxury 2WD||$1,368||$114|
|Cadillac SRX Luxury AWD||$1,368||$114|
|Cadillac SRX Performance 2WD||$1,400||$117|
|Cadillac SRX Performance AWD||$1,400||$117|
|Cadillac SRX Premium 2WD||$1,400||$117|
|Cadillac SRX Premium AWD||$1,434||$120|
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||$270||$516||$456||$1,400|
|2015 Cadillac SRX||$258||$464||$460||$1,340|
|2013 Cadillac SRX||$234||$400||$464||$1,256|
|2012 Cadillac SRX||$228||$374||$474||$1,234|
|2011 Cadillac SRX||$210||$346||$474||$1,188|
|2010 Cadillac SRX||$206||$314||$478||$1,156|
|2006 Cadillac SRX||$172||$230||$460||$1,020|
|2005 Cadillac SRX||$168||$218||$452||$996|
|2004 Cadillac SRX||$154||$208||$446||$966|
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 Cheapest Cadillac SRX Insurance
Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a recap of the data covered in the above illustrations.
- Policyholders who may need higher liability limits will pay around $500 every year to go from a low limit to 250/500 limits
- You may be able to save up to $170 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $525 each year
- Teens pay higher prices, costing up to $444 a month for 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.
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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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$103|
|5-yr Claim Free||$91|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.