Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for a Cadillac XT5 are $1,522 a year with full coverage. Comprehensive costs around $304, collision insurance costs $618, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs around $3,322. Teen drivers pay the most at up to $5,716 a year.
Average premium for full coverage: $1,522
Premium estimates for type of coverage:
Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all XT5 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac XT5 range from as low as $496 for just liability coverage to the much higher price of $3,322 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.
These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of using price 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.
Detailed Rate Analysis
The chart below details average Cadillac XT5 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $861
- Raising to $1,000 deductibles will save about $210 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,522
- Choosing pricier low deductibles will increase the cost to $1,932
- At-risk drivers with multiple violations and an at-fault accident could pay at least $3,322
- An auto insurance policy for full coverage for a teen driver for full coverage can be $5,716
Auto insurance prices for a Cadillac XT5 also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high 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, where even good drivers will have to pay as much as $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 $1,100 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,060 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can reduce prices by up to $620 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,800 to $2,500 in extra premium annually, depending on your age. Cadillac XT5 insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 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 the Best Cheap Cadillac XT5 Insurance
Finding better rates on car insurance consists of being a safe and courteous driver, having good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a quick review of the information touched on in the above illustrations.
- You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
- Teenage drivers are expensive to insure, possibly costing $476 per month if they have full coverage
- Increasing policy deductibles can save around $625 each year
- Higher risk drivers with a DUI or reckless driving violation pay an average of $1,800 more every year for auto insurance
- Policyholders who may need higher levels of liability will pay about $490 every year to raise from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,932 |
| $250 | $1,740 |
| $500 | $1,522 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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