Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2024
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The average insurance prices for a Cadillac XT5 are $1,522 every 12 months for full coverage. Comprehensive costs around $304, collision insurance costs $618, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $3,322. Teens cost the most to insure at up to $5,716 a year.
Average premium for full coverage: $1,522
Policy rates for type of insurance:
Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all XT5 models.
Price Range Variability
For a 40-year-old driver, Cadillac XT5 insurance rates range from the cheapest price of $496 for basic liability insurance to the much higher price of $3,322 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how your location can change auto insurance rates.
The examples above show why everyone should compare rates for a specific zip code and their own driving history, rather than using averaged prices.
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.
Rate Comparisons
The chart below shows average Cadillac XT5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $861
- Drivers who choose higher $1,000 deductibles will pay about $210 a year
- The average price for a good driver age 40 using $500 deductibles is $1,522
- Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,932
- High-risk insureds with serious driving violations could pay at least $3,322
- Policy cost to insure a teenage driver for full coverage can be $5,716 a year
Insurance rates for a Cadillac XT5 also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $620 a year, whereas buying more liability protection will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,800 to $2,500 additional every year, depending on your age. Cadillac XT5 insurance for high-risk drivers can cost around 44% to 132% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Cadillac XT5 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,170 on average in Michigan, Louisiana, 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $358 | $690 | $390 | $1,596 |
| 2023 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2022 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2021 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2020 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2019 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 2018 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
| 2017 Cadillac XT5 | $268 | $484 | $460 | $1,370 |
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 Shop for Affordable Cadillac XT5 Insurance
Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a brief review of the information illustrated above.
- Drivers can save up to $190 per year just by quoting online well ahead of the renewal date
- Teenagers are charged the highest rates, costing up to $476 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $625 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,800 more every year for car insurance
- Consumers who may need higher liability limits will pay approximately $490 each year to go from a 30/60 limit to a 250/500 level
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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