Cadillac XT5 Insurance Rates

Average insurance prices for a Cadillac XT5 are $1,522 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $304, collision costs $618, and liability insurance is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers 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:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different XT5 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Cadillac XT5 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $861
• Choosing higher $1,000 deductibles can save $210 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,522
• Using more expensive low deductibles for comp and collision coverage costs an extra $410 a year
• High-risk insureds who are prone to accidents and violations could pay around $3,322 or more
• The cost to insure a teen driver with full coverage can cost $5,716 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $620 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,060 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

How to Shop for Cheap Cadillac XT5 Insurance

Saving money on Cadillac XT5 insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a brief summary of the information covered in the above illustrations.

• It is possible to save around $190 per year simply by shopping early and online
• Drivers age 20 and younger are the costliest to insure, costing up to $476 per month if full coverage is included
• Increasing deductibles could save as much as $625 each year
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,800 more per year to buy Cadillac XT5 insurance
• Drivers who purchase increased levels of liability coverage will pay an extra $490 annually to raise limits from a minimum limit to a 250/500 level