Cadillac XT5 Insurance Rates

Average auto insurance rates for a Cadillac XT5 are $1,476 annually with full coverage. Comprehensive costs on average $292 each year, collision insurance costs $574, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs around $3,212. Teenage drivers receive the highest rates at up to $5,564 a year.

Average premium for full coverage: $1,476

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and XT5 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $841
• Choosing higher $1,000 deductibles can save around $196 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,476
• Using low deductibles for comp and collision coverage will cost $1,860
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,212
• The cost with full coverage for a teen driver may cost $5,564 each year

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $580 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every 12 months. 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 $1,060 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,990 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Affordable Cadillac XT5 Insurance

Saving money on car insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a brief review of the concepts that were raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,740 more each year for car insurance
• Teenagers are expensive to insure, with premiums as much as $464 per month if comprehensive and collision insurance is included
• You may be able to save as much as $180 per year just by quoting online in advance
• Increasing deductibles could save up to $575 each year
• You may be able to save as much as $180 per year just by quoting online in advance