Cadillac XT5 Insurance Rates

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UPDATED: Jun 6, 2024

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Average auto insurance rates for a Cadillac XT5 are $1,522 annually including full coverage. Comprehensive insurance costs on average $304 each year, collision insurance costs $618, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $3,322 or more. 16-year-old drivers receive the highest rates at up to $5,716 a year.

Average premium for full coverage: $1,522

Rate estimates by individual coverage type:

Comprehensive $304
Collision $618
Liability $442

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and XT5 models.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $496 for just the minimum liability insurance to a high rate of $3,322 for a driver who requires high-risk insurance.

Liability Only $496
Full Coverage $1,522
High Risk $3,322

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,142
Small Cities $1,598
Large Cities $2,055

These examples highlight why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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.

Additional Rate Analysis

The chart below breaks down average Cadillac XT5 insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $861
  • Choosing higher $1,000 deductibles can save around $210 every year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,522
  • Buying low deductibles for comp and collision coverage costs an additional $410 annually
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,322
  • The cost with full coverage for a 16-year-old driver may cost $5,716 each year

View Chart as Image

Cadillac XT5 insurance cost comparison chart
Column chart showing Cadillac XT5 insurance prices range from $861 to $5,716 for full coverage

Auto insurance rates for a Cadillac XT5 can also vary considerably based on the trim level of your XT5, your driving characteristics, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $620 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Cadillac XT5 insurance prices. A good driver about age 40 could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,170 on average in Michigan, New York, and Louisiana.

Cadillac XT5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,376 -$146 -9.6%
Alaska $1,168 -$354 -23.3%
Arizona $1,266 -$256 -16.8%
Arkansas $1,522 -$0 0.0%
California $1,734 $212 13.9%
Colorado $1,454 -$68 -4.5%
Connecticut $1,566 $44 2.9%
Delaware $1,724 $202 13.3%
Florida $1,904 $382 25.1%
Georgia $1,406 -$116 -7.6%
Hawaii $1,094 -$428 -28.1%
Idaho $1,030 -$492 -32.3%
Illinois $1,134 -$388 -25.5%
Indiana $1,146 -$376 -24.7%
Iowa $1,026 -$496 -32.6%
Kansas $1,448 -$74 -4.9%
Kentucky $2,078 $556 36.5%
Louisiana $2,256 $734 48.2%
Maine $940 -$582 -38.2%
Maryland $1,256 -$266 -17.5%
Massachusetts $1,218 -$304 -20.0%
Michigan $2,644 $1,122 73.7%
Minnesota $1,274 -$248 -16.3%
Mississippi $1,824 $302 19.8%
Missouri $1,350 -$172 -11.3%
Montana $1,636 $114 7.5%
Nebraska $1,202 -$320 -21.0%
Nevada $1,826 $304 20.0%
New Hampshire $1,096 -$426 -28.0%
New Jersey $1,702 $180 11.8%
New Mexico $1,348 -$174 -11.4%
New York $1,604 $82 5.4%
North Carolina $876 -$646 -42.4%
North Dakota $1,246 -$276 -18.1%
Ohio $1,052 -$470 -30.9%
Oklahoma $1,564 $42 2.8%
Oregon $1,394 -$128 -8.4%
Pennsylvania $1,454 -$68 -4.5%
Rhode Island $2,030 $508 33.4%
South Carolina $1,378 -$144 -9.5%
South Dakota $1,286 -$236 -15.5%
Tennessee $1,336 -$186 -12.2%
Texas $1,834 $312 20.5%
Utah $1,128 -$394 -25.9%
Vermont $1,042 -$480 -31.5%
Virginia $912 -$610 -40.1%
Washington $1,178 -$344 -22.6%
West Virginia $1,396 -$126 -8.3%
Wisconsin $1,054 -$468 -30.7%
Wyoming $1,356 -$166 -10.9%

View Chart as Image

Cadillac XT5 insurance rates by U.S. city
Cadillac XT5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac XT5 $358 $690 $390 $1,596
2023 Cadillac XT5 $344 $686 $398 $1,586
2022 Cadillac XT5 $332 $668 $416 $1,574
2021 Cadillac XT5 $320 $640 $430 $1,548
2020 Cadillac XT5 $304 $618 $442 $1,522
2019 Cadillac XT5 $292 $574 $452 $1,476
2018 Cadillac XT5 $280 $540 $456 $1,434
2017 Cadillac XT5 $268 $484 $460 $1,370

Rates are averaged for all Cadillac XT5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Cadillac XT5 Insurance

Saving money on insurance for a Cadillac XT5 takes avoiding accidents and violations, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every other renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a summary of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,800 more each year for car insurance
  • Teenagers are charged the highest rates, as much as $476 per month if full coverage is included
  • You may be able to save as much as $190 per year just by quoting online in advance
  • Increasing deductibles could save up to $625 each year
  • You may be able to save as much as $190 per year just by quoting online in advance

Rates by Driver Age

Cadillac XT5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,716
20 $3,548
30 $1,590
40 $1,522
50 $1,392
60 $1,366

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,932
$250 $1,740
$500 $1,522
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,522
50/100 $1,610
100/300 $1,721
250/500 $2,008
100 CSL $1,655
300 CSL $1,898
500 CSL $2,075

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XT5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,174
20 $5,658
30 $3,394
40 $3,322
50 $3,172
60 $3,146

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 $218

Potential Rate Discounts

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

Discount Savings
Multi-policy $82
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $116
5-yr Claim Free $100
Paid in Full/EFT $72
Advance Quote $78
Online Quote $109
Total Discounts $661
Rate after discounts $861

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

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