Cadillac XT5 Insurance Rates

Average insurance rates for a Cadillac XT5 are $1,548 a year for full coverage insurance. Comprehensive insurance costs approximately $320 a year, collision insurance costs $640, and liability insurance costs $430. A policy with just liability insurance costs as little as $486 a year, and coverage for high-risk drivers costs $3,374 or more. 16-year-old drivers receive the highest rates at up to $5,768 a year.

Average premium for full coverage: $1,548

Rate estimates by individual coverage type:

Estimates include $500 deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and XT5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Cadillac XT5 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $875
• Drivers who choose higher $1,000 deductibles will pay $1,332 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,548
• Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $428 a year
• High risk drivers with multiple tickets or accidents could pay around $3,374
• The cost for full coverage for a teen driver can cost $5,768 a year

View Chart as Image

Insurance rates for a Cadillac XT5 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

Where you live makes a big difference in Cadillac XT5 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,090 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $650 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 137% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Cadillac XT5 Insurance

Saving money on Cadillac XT5 insurance not only requires not taking risks behind the wheel, but also having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following is a review of the primary concepts that were covered above.

• It is possible to save around $190 per year just by quoting early and online
• High-risk drivers who have several accidents or serious violations may pay on average $1,830 more per year for XT5 insurance
• Increasing deductibles can save around $650 each year
• Teens are the costliest to insure, costing up to $481 per month including comprehensive and collision insurance