Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2024
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The average insurance rates for a Cadillac XT5 are $1,548 a year for full coverage. Comprehensive insurance costs on average $320 each year, collision insurance costs $640, and liability costs $430. Liability-only insurance costs as little as $486 a year, and high-risk driver insurance costs $3,374 or more. Teens cost the most to insure at up to $5,768 a year.
Average premium for full coverage: $1,548
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and XT5 models.
Price Range Variability
For a driver in their 40's, Cadillac XT5 insurance rates range from the low end price of $486 for your basic liability-only policy to a high rate of $3,374 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.
The examples above show why all drivers should compare rates based on a specific location, instead of making a decision based on 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 XT5 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $875
- Drivers who choose higher $1,000 deductibles will pay around $216 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,548
- Selecting low deductibles for comprehensive and collision insurance will cost an additional $428 annually
- Drivers with serious driving violations could pay upwards of $3,374
- Policy cost that insures a 16-year-old driver may cost $5,768 a year
Auto insurance rates for a Cadillac XT5 also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,900 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 137% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $5,700 a year. View Rates by Age
Your home state makes a big difference in Cadillac XT5 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,210 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,400 | -$148 | -9.6% |
| Alaska | $1,190 | -$358 | -23.1% |
| Arizona | $1,286 | -$262 | -16.9% |
| Arkansas | $1,548 | -$0 | 0.0% |
| California | $1,766 | $218 | 14.1% |
| Colorado | $1,480 | -$68 | -4.4% |
| Connecticut | $1,594 | $46 | 3.0% |
| Delaware | $1,754 | $206 | 13.3% |
| Florida | $1,938 | $390 | 25.2% |
| Georgia | $1,430 | -$118 | -7.6% |
| Hawaii | $1,112 | -$436 | -28.2% |
| Idaho | $1,048 | -$500 | -32.3% |
| Illinois | $1,156 | -$392 | -25.3% |
| Indiana | $1,168 | -$380 | -24.5% |
| Iowa | $1,044 | -$504 | -32.6% |
| Kansas | $1,472 | -$76 | -4.9% |
| Kentucky | $2,114 | $566 | 36.6% |
| Louisiana | $2,294 | $746 | 48.2% |
| Maine | $956 | -$592 | -38.2% |
| Maryland | $1,276 | -$272 | -17.6% |
| Massachusetts | $1,240 | -$308 | -19.9% |
| Michigan | $2,692 | $1,144 | 73.9% |
| Minnesota | $1,296 | -$252 | -16.3% |
| Mississippi | $1,856 | $308 | 19.9% |
| Missouri | $1,374 | -$174 | -11.2% |
| Montana | $1,664 | $116 | 7.5% |
| Nebraska | $1,220 | -$328 | -21.2% |
| Nevada | $1,856 | $308 | 19.9% |
| New Hampshire | $1,118 | -$430 | -27.8% |
| New Jersey | $1,732 | $184 | 11.9% |
| New Mexico | $1,372 | -$176 | -11.4% |
| New York | $1,632 | $84 | 5.4% |
| North Carolina | $892 | -$656 | -42.4% |
| North Dakota | $1,268 | -$280 | -18.1% |
| Ohio | $1,070 | -$478 | -30.9% |
| Oklahoma | $1,592 | $44 | 2.8% |
| Oregon | $1,420 | -$128 | -8.3% |
| Pennsylvania | $1,478 | -$70 | -4.5% |
| Rhode Island | $2,066 | $518 | 33.5% |
| South Carolina | $1,402 | -$146 | -9.4% |
| South Dakota | $1,306 | -$242 | -15.6% |
| Tennessee | $1,356 | -$192 | -12.4% |
| Texas | $1,868 | $320 | 20.7% |
| Utah | $1,148 | -$400 | -25.8% |
| Vermont | $1,062 | -$486 | -31.4% |
| Virginia | $928 | -$620 | -40.1% |
| Washington | $1,198 | -$350 | -22.6% |
| West Virginia | $1,420 | -$128 | -8.3% |
| Wisconsin | $1,074 | -$474 | -30.6% |
| Wyoming | $1,380 | -$168 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $650 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $376 | $718 | $372 | $1,624 |
| 2023 Cadillac XT5 | $358 | $690 | $390 | $1,596 |
| 2022 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2021 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2020 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
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 Find the Right Cadillac XT5 Insurance
Finding cheaper rates on insurance for a Cadillac XT5 not only requires avoiding accidents and violations, but also maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.
The list below is a quick rundown of the material that was covered in the charts and tables above.
- Insureds who require higher liability limits will pay approximately $470 each year to go from a 30/60 limit to the 250/500 level
- Teenagers are charged the highest rates, costing up to $481 each month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,830 more each year for car insurance
- Increasing comprehensive and collision deductibles can save approximately $650 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,768 |
| 20 | $3,604 |
| 30 | $1,618 |
| 40 | $1,548 |
| 50 | $1,416 |
| 60 | $1,388 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,976 |
| $250 | $1,776 |
| $500 | $1,548 |
| $1,000 | $1,332 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,548 |
| 50/100 | $1,634 |
| 100/300 | $1,742 |
| 250/500 | $2,021 |
| 100 CSL | $1,677 |
| 300 CSL | $1,914 |
| 500 CSL | $2,086 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,252 |
| 20 | $5,742 |
| 30 | $3,454 |
| 40 | $3,374 |
| 50 | $3,222 |
| 60 | $3,194 |
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 | $83 |
| Multi-vehicle | $82 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $111 |
| Total Discounts | $673 |
Discounts are estimated and may not be available from every company or in every state.
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