Cadillac XT5 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Cadillac XT5 are $1,476 a year with full coverage. Comprehensive insurance costs an estimated $292 each year, collision costs $574, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing $3,212 or more. Teenage drivers pay the most at $5,564 a year or more.
Average premium for full coverage: $1,476
Premium estimates broken down by type of coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and XT5 models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Cadillac XT5 go from the low end price of $504 for just liability insurance to a high rate of $3,212 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on insurance prices.
These rate differences demonstrate why all drivers should compare rates for a targeted area, 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 Details
The chart below details estimated Cadillac XT5 insurance rates for other coverage scenarios.
- The best discount rate is $841
- Drivers who choose higher $1,000 deductibles will pay approximately $196 annually
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,476
- Using low deductibles for comprehensive and collision insurance will cost an additional $384 a year
- High risk drivers who are prone to accidents and violations could pay up to $3,212 or more
- An auto insurance policy that insures a teen driver can cost as much as $5,564 a year
Auto insurance prices for a Cadillac XT5 also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have a few violations or you caused an accident, you may be forking out $1,800 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year 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 have to pay at least $5,500 a year. View Rates by Age
Where you choose to live makes a big difference in Cadillac XT5 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,990 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$142 | -9.6% |
| Alaska | $1,132 | -$344 | -23.3% |
| Arizona | $1,224 | -$252 | -17.1% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,680 | $204 | 13.8% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,518 | $42 | 2.8% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,846 | $370 | 25.1% |
| Georgia | $1,362 | -$114 | -7.7% |
| Hawaii | $1,060 | -$416 | -28.2% |
| Idaho | $998 | -$478 | -32.4% |
| Illinois | $1,100 | -$376 | -25.5% |
| Indiana | $1,110 | -$366 | -24.8% |
| Iowa | $996 | -$480 | -32.5% |
| Kansas | $1,402 | -$74 | -5.0% |
| Kentucky | $2,012 | $536 | 36.3% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $910 | -$566 | -38.3% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,180 | -$296 | -20.1% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,768 | $292 | 19.8% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,584 | $108 | 7.3% |
| Nebraska | $1,164 | -$312 | -21.1% |
| Nevada | $1,770 | $294 | 19.9% |
| New Hampshire | $1,064 | -$412 | -27.9% |
| New Jersey | $1,650 | $174 | 11.8% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,554 | $78 | 5.3% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,020 | -$456 | -30.9% |
| Oklahoma | $1,514 | $38 | 2.6% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,970 | $494 | 33.5% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,292 | -$184 | -12.5% |
| Texas | $1,780 | $304 | 20.6% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $882 | -$594 | -40.2% |
| Washington | $1,140 | -$336 | -22.8% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,314 | -$162 | -11.0% |
Using high physical damage deductibles could save up to $580 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2023 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2022 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2021 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2020 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac XT5 | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac XT5 | $250 | $446 | $460 | $1,314 |
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 Cheap Cadillac XT5 Insurance
Finding better rates on Cadillac XT5 insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at every policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The list below is a brief summary of the data covered in the above illustrations.
- Drivers who want higher liability limits will pay an extra $500 every year to go from 30/60 bodily injury limits to the 250/500 level
- You may be able to save approximately $180 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $575 each year
- Teenagers are the costliest to insure, possibly costing $464 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,564 |
| 20 | $3,430 |
| 30 | $1,536 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,680 |
| $500 | $1,476 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,950 |
| 20 | $5,468 |
| 30 | $3,280 |
| 40 | $3,212 |
| 50 | $3,070 |
| 60 | $3,042 |
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 | $79 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $68 |
| Advance Quote | $74 |
| Online Quote | $105 |
| Total Discounts | $635 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
