Cadillac XT5 Insurance Rates
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UPDATED: Apr 30, 2020
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U.S. average insurance rates for a Cadillac XT5 are $1,548 a year for full coverage insurance. Comprehensive insurance costs an estimated $320 a year, collision costs $640, and liability costs $430. A policy with just liability insurance costs as little as $486 a year, with coverage for high-risk drivers costing $3,374 or more. 16-year-old drivers pay the highest rates at $5,768 a year or more.
Average premium for full coverage: $1,548
Price estimates broken down by individual coverage:
Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and XT5 trim levels.
Price Range from Low to High
For a driver in their 40's, Cadillac XT5 insurance prices go from the low end price of $486 for just the minimum liability insurance to a high of $3,374 for a driver that may need high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.
The diagram below illustrates how location helps determine insurance prices.
The ranges above illustrate why it is important to compare rates for a targeted area, 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.
Additional Rate Analysis
The chart below illustrates estimated Cadillac XT5 insurance rates for other coverage scenarios.
- The best full coverage rate is $875
- Drivers who choose higher $1,000 deductibles will pay approximately $1,332 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,548
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $428 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,374 or more
- The price that insures a teen driver can cost as much as $5,768 a year
Insurance prices for a Cadillac XT5 are also quite variable based on the trim level of your XT5, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,900 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,700 a year. View Rates by Age
The state you live in makes a big difference in Cadillac XT5 insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,090 on average in Florida, New York, and Michigan.
| 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 could save up to $650 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Every company utilizes a different rate formula, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2017 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
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 Cheapest Cadillac XT5 Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and taking advantage of discounts. Comparison shop once a year by quoting rates from direct insurance companies, and also from local insurance agencies.
The following list is a recap of the data that was covered in the charts and tables above.
- It is possible to save approximately $190 per year simply by quoting early and online
- Policyholders who want an increased level of liability coverage will pay around $470 annually to go from a low limit to the 250/500 level
- Drivers age 16 to 20 are charged the highest prices, as much as $481 a month if full coverage is included
- Higher risk drivers that have major violations or accidents may have to pay on average $1,830 more annually than a safer driver
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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