Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2024
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Estimated insurance rates for a Cadillac XT5 are $1,548 a year with full coverage. Comprehensive costs approximately $320, collision insurance costs $640, and liability is $430. A policy with only liability insurance costs around $486 a year, and a high-risk policy costs around $3,374. 16-year-old drivers pay the most at up to $5,768 a year.
Average premium for full coverage: $1,548
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different XT5 trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Cadillac XT5 range from the low end price of $486 for a discount liability-only rate to a much higher rate of $3,374 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of using rate averages.
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 details average Cadillac XT5 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $875
- Raising to $1,000 deductibles will save $216 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,548
- Buying more expensive low deductibles bumps up the cost to $1,976
- At-risk drivers with multiple tickets or accidents could pay around $3,374
- An auto insurance policy that insures a teen driver with full coverage can cost $5,768
Car insurance prices for a Cadillac XT5 also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,900 to $2,500 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,700 a year. View Rates by Age
Where you choose to live also has a big influence on Cadillac XT5 insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like Utah, Ohio, and New Hampshire, or at least $2,090 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,400 | -$148 | -9.6% |
| Alaska | $1,190 | -$358 | -23.1% |
| Arizona | $1,286 | -$262 | -16.9% |
| Arkansas | $1,548 | -$0 | 0.0% |
| California | $1,766 | $218 | 14.1% |
| Colorado | $1,480 | -$68 | -4.4% |
| Connecticut | $1,594 | $46 | 3.0% |
| Delaware | $1,754 | $206 | 13.3% |
| Florida | $1,938 | $390 | 25.2% |
| Georgia | $1,430 | -$118 | -7.6% |
| Hawaii | $1,112 | -$436 | -28.2% |
| Idaho | $1,048 | -$500 | -32.3% |
| Illinois | $1,156 | -$392 | -25.3% |
| Indiana | $1,168 | -$380 | -24.5% |
| Iowa | $1,044 | -$504 | -32.6% |
| Kansas | $1,472 | -$76 | -4.9% |
| Kentucky | $2,114 | $566 | 36.6% |
| Louisiana | $2,294 | $746 | 48.2% |
| Maine | $956 | -$592 | -38.2% |
| Maryland | $1,276 | -$272 | -17.6% |
| Massachusetts | $1,240 | -$308 | -19.9% |
| Michigan | $2,692 | $1,144 | 73.9% |
| Minnesota | $1,296 | -$252 | -16.3% |
| Mississippi | $1,856 | $308 | 19.9% |
| Missouri | $1,374 | -$174 | -11.2% |
| Montana | $1,664 | $116 | 7.5% |
| Nebraska | $1,220 | -$328 | -21.2% |
| Nevada | $1,856 | $308 | 19.9% |
| New Hampshire | $1,118 | -$430 | -27.8% |
| New Jersey | $1,732 | $184 | 11.9% |
| New Mexico | $1,372 | -$176 | -11.4% |
| New York | $1,632 | $84 | 5.4% |
| North Carolina | $892 | -$656 | -42.4% |
| North Dakota | $1,268 | -$280 | -18.1% |
| Ohio | $1,070 | -$478 | -30.9% |
| Oklahoma | $1,592 | $44 | 2.8% |
| Oregon | $1,420 | -$128 | -8.3% |
| Pennsylvania | $1,478 | -$70 | -4.5% |
| Rhode Island | $2,066 | $518 | 33.5% |
| South Carolina | $1,402 | -$146 | -9.4% |
| South Dakota | $1,306 | -$242 | -15.6% |
| Tennessee | $1,356 | -$192 | -12.4% |
| Texas | $1,868 | $320 | 20.7% |
| Utah | $1,148 | -$400 | -25.8% |
| Vermont | $1,062 | -$486 | -31.4% |
| Virginia | $928 | -$620 | -40.1% |
| Washington | $1,198 | -$350 | -22.6% |
| West Virginia | $1,420 | -$128 | -8.3% |
| Wisconsin | $1,074 | -$474 | -30.6% |
| Wyoming | $1,380 | -$168 | -10.9% |
Opting for high physical damage deductibles can reduce prices by up to $650 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $376 | $718 | $372 | $1,624 |
| 2023 Cadillac XT5 | $358 | $690 | $390 | $1,596 |
| 2022 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2021 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2020 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 2017 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
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 More Affordable Cadillac XT5 Insurance
Finding better rates on car insurance consists of having a decent driving record, having a positive credit history, being claim-free, and attention to physical damage deductibles. Comparison shop at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The following items are a summary of the primary concepts that were illustrated above.
- You may be able to save around $190 per year just by shopping early and online
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,830 more per year than a driver with a clean driving record
- Increasing policy deductibles can save approximately $650 each year
- 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $481 per month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,768 |
| 20 | $3,604 |
| 30 | $1,618 |
| 40 | $1,548 |
| 50 | $1,416 |
| 60 | $1,388 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,976 |
| $250 | $1,776 |
| $500 | $1,548 |
| $1,000 | $1,332 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,548 |
| 50/100 | $1,634 |
| 100/300 | $1,742 |
| 250/500 | $2,021 |
| 100 CSL | $1,677 |
| 300 CSL | $1,914 |
| 500 CSL | $2,086 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,252 |
| 20 | $5,742 |
| 30 | $3,454 |
| 40 | $3,374 |
| 50 | $3,222 |
| 60 | $3,194 |
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 | $83 |
| Multi-vehicle | $82 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $111 |
| Total Discounts | $673 |
Discounts are estimated and may not be available from every company or in every state.
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