Cadillac XT5 Insurance Rates

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UPDATED: Jun 6, 2024

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Estimated insurance rates for a Cadillac XT5 are $1,522 a year for full coverage. Comprehensive costs on average $304 a year, collision insurance costs $618, and liability coverage is $442. A policy with only liability insurance costs around $496 a year, and a high-risk policy costs around $3,322. Teenage drivers pay the most at up to $5,716 a year.

Average premium for full coverage: $1,522

Premium estimates by type of coverage:

Comprehensive $304
Collision $618
Liability $442

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and XT5 trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Cadillac XT5 range from the low end price of $496 for a discount liability-only rate to a high of $3,322 for a high-risk driver policy.

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

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the difference location can make on car insurance rates.

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

These rate differences show why it is important to compare rates quotes based on a specific location, rather than using average rates.

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.

Rates by State, City, and Model

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

  • The best discount rate is $861
  • Raising to $1,000 deductibles will save around $1,312 a year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,522
  • Using low $100 deductibles bumps up the cost to $1,932
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,322
  • An auto insurance policy that insures a teenage driver may cost $5,716

View Chart as Image

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

Car insurance prices for a Cadillac XT5 also have a wide range based on the trim level of your XT5, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,700 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac XT5 insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,170 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles can reduce prices by up to $620 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find the Best Cheap Cadillac XT5 Insurance

Finding better rates on auto insurance consists of having a decent driving record, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a quick review of the information touched on in this article.

  • Drivers can save as much as $190 per year just by quoting early and online
  • 16 to 18-year-old drivers are expensive to insure, as much as $476 per month if full coverage is purchased
  • Increasing policy deductibles can save approximately $625 each year
  • Drivers with a DUI or reckless driving violation may pay on average $1,800 more each year than a driver with a clean driving record
  • Consumers who require additional liability coverage will pay an extra $490 each year to raise from 30/60 bodily injury limits to the 250/500 level

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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