Cadillac XT5 Insurance Rates

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2018 Cadillac XT5 Insurance Quotes in 2025

Locating the cheapest insurance for a new or used Cadillac XT5 can turn out to be difficult, but you can learn the following methods to find lower rates. There are both good and bad ways to compare insurance coverage rates so you're going to learn the absolute fastest way to price shop coverage on a Cadillac and locate the lowest price either online or from local insurance agents. Compare auto in...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 6, 2024

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Average insurance rates for a Cadillac XT5 are $1,522 a year for full coverage. Comprehensive insurance costs on average $304 a year, collision costs $618, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $3,322 or more. Teenage drivers receive the highest rates at $5,716 a year or more.

Average premium for full coverage: $1,522

Rate estimates by individual coverage type:

Comprehensive $304
Collision $618
Liability $442

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and XT5 trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $496 for your basic liability-only policy to a high of $3,322 for a policy for a high-risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

More Rate Information

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

  • The best discount rate is $861
  • Drivers who choose higher $1,000 deductibles will pay around $1,312 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,522
  • Using low $100 deductibles for comprehensive and collision insurance will cost an extra $410 a year
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,322 or more
  • The cost for full coverage for a teen driver may cost $5,716 a year

View Chart as Image

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

Insurance rates for a Cadillac XT5 can also vary considerably based on your driver profile, the trim level of your XT5, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards 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 $1,000 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 could save up to $620 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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

Saving money on Cadillac XT5 insurance not only requires avoiding accidents and violations, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to compare rates every year by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The list below is a quick review of the coverage data covered in the above illustrations.

  • Drivers can save as much as $190 per year simply by quoting early and online
  • Increasing deductibles can save around $625 each year
  • Teenagers pay the highest rates, costing as high as $476 per month for full coverage
  • High-risk drivers with a DUI or reckless driving violation will pay on average $1,800 more each year for car insurance

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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