Cadillac XT5 Insurance Rates

The average insurance rates for a Cadillac XT5 are $1,522 a year for full coverage insurance. Comprehensive costs on average $304 a year, collision insurance costs $618, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $3,322. Teens cost the most to insure at up to $5,716 a year.

Average premium for full coverage: $1,522

Policy rates by type of insurance:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and XT5 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $861
• Choosing higher $1,000 deductibles can save around $1,312 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,522
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,932
• Drivers with serious driving violations could pay upwards of $3,322
• Policy cost that insures a teenage driver may cost $5,716 each year

View Chart as Image

Insurance rates for a Cadillac XT5 also range considerably based on the trim level of your XT5, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac XT5 insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,060 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $620 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Cadillac XT5 Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and determing if full coverage is necessary. Compare rates at every policy renewal by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a summary of the data touched on in the above illustrations.

• Consumers who require higher liability limits will pay approximately $490 annually to raise limits from a 30/60 limit to the 250/500 level
• It is possible to save as much as $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Teens pay the highest rates, possibly costing $476 each month if full coverage is included