Cadillac XT5 Insurance Rates

The average insurance rates for a Cadillac XT5 are $1,522 a year for full coverage. Comprehensive costs an estimated $304 each year, collision insurance costs $618, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs around $3,322. Teen drivers cost the most to insure at up to $5,716 a year.

Average premium for full coverage: $1,522

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and XT5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.

The examples above show why all drivers should compare prices for a targeted area, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows average Cadillac XT5 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $861
• Using higher $1,000 deductibles will save approximately $210 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,522
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,932
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,322
• Policy cost that insures a teenage driver can cost as much as $5,716 or more

View Chart as Image

Auto insurance rates for a Cadillac XT5 also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 44% to 132% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $5,700 a year. View Rates by Age

Your home state has a huge impact on Cadillac XT5 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or as much as $2,170 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $620 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Cadillac XT5 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around at least every other year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a quick review of the car insurance concepts touched on above.

• Drivers with a DUI or reckless driving violation may pay on average $1,800 more annually to insure a Cadillac XT5
• Drivers can save approximately $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Consumers who want increased liability limits will pay about $490 each year to increase from a 30/60 limit to the 250/500 level