Cadillac XT5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $304
Collision $618
Liability $442

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.

Liability Only $496
Full Coverage $1,522
High Risk $3,322

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.

Rural Areas $1,142
Small Cities $1,598
Large Cities $2,055

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

View Chart as Image

Cadillac XT5 insurance cost comparison chart
Column chart showing Cadillac XT5 insurance rates range from $861 to $5,716 for full coverage

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.

Cadillac XT5 Insurance Rates by State
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%

View Chart as Image

Cadillac XT5 insurance rates by U.S. city

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

Cadillac XT5 Insurance Rates by Model Year
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

Rates by Driver Age

Cadillac XT5 Insurance 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

Cadillac XT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,932
$250 $1,740
$500 $1,522
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT5 Insurance Rates with Different Liability Limits
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

Cadillac XT5 Insurance 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.

SR-22 Surcharge $218

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
Rate after discounts $861

Discounts are estimated and may not be available from every company or in every state.

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