Cadillac XT6 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Cadillac XT6 are $1,320 annually for full coverage. Comprehensive insurance costs approximately $326 each year, collision insurance costs $592, and liability is estimated at $292. Buying just liability costs approximately $336 a year, and insurance for high-risk drivers costs $2,848 or more. Teen drivers receive the highest rates at up to $4,678 a year.
Average premium for full coverage: $1,320
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and XT6 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $336 for liability-only coverage to a high rate of $2,848 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.
These examples show why all drivers should get quotes using their specific location and their own personal driving habits, 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.
Additional Charts and Tables
The chart below shows average Cadillac XT6 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $739
- Choosing higher $1,000 deductibles can save $208 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,320
- Choosing low deductibles for comp and collision coverage costs an additional $404 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,848
- The cost with full coverage for a teen driver can cost $4,678 each year
Auto insurance rates for a Cadillac XT6 can also vary considerably based on the trim level of your XT6, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,600 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 45% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $620 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $263 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Cadillac XT6 insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,880 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,192 | -$128 | -9.7% |
| Alaska | $1,012 | -$308 | -23.3% |
| Arizona | $1,094 | -$226 | -17.1% |
| Arkansas | $1,320 | -$0 | 0.0% |
| California | $1,502 | $182 | 13.8% |
| Colorado | $1,256 | -$64 | -4.8% |
| Connecticut | $1,354 | $34 | 2.6% |
| Delaware | $1,492 | $172 | 13.0% |
| Florida | $1,646 | $326 | 24.7% |
| Georgia | $1,218 | -$102 | -7.7% |
| Hawaii | $948 | -$372 | -28.2% |
| Idaho | $892 | -$428 | -32.4% |
| Illinois | $982 | -$338 | -25.6% |
| Indiana | $994 | -$326 | -24.7% |
| Iowa | $892 | -$428 | -32.4% |
| Kansas | $1,254 | -$66 | -5.0% |
| Kentucky | $1,796 | $476 | 36.1% |
| Louisiana | $1,952 | $632 | 47.9% |
| Maine | $810 | -$510 | -38.6% |
| Maryland | $1,086 | -$234 | -17.7% |
| Massachusetts | $1,052 | -$268 | -20.3% |
| Michigan | $2,292 | $972 | 73.6% |
| Minnesota | $1,104 | -$216 | -16.4% |
| Mississippi | $1,580 | $260 | 19.7% |
| Missouri | $1,170 | -$150 | -11.4% |
| Montana | $1,418 | $98 | 7.4% |
| Nebraska | $1,038 | -$282 | -21.4% |
| Nevada | $1,582 | $262 | 19.8% |
| New Hampshire | $950 | -$370 | -28.0% |
| New Jersey | $1,472 | $152 | 11.5% |
| New Mexico | $1,166 | -$154 | -11.7% |
| New York | $1,388 | $68 | 5.2% |
| North Carolina | $758 | -$562 | -42.6% |
| North Dakota | $1,078 | -$242 | -18.3% |
| Ohio | $910 | -$410 | -31.1% |
| Oklahoma | $1,352 | $32 | 2.4% |
| Oregon | $1,210 | -$110 | -8.3% |
| Pennsylvania | $1,256 | -$64 | -4.8% |
| Rhode Island | $1,758 | $438 | 33.2% |
| South Carolina | $1,194 | -$126 | -9.5% |
| South Dakota | $1,112 | -$208 | -15.8% |
| Tennessee | $1,154 | -$166 | -12.6% |
| Texas | $1,588 | $268 | 20.3% |
| Utah | $976 | -$344 | -26.1% |
| Vermont | $900 | -$420 | -31.8% |
| Virginia | $792 | -$528 | -40.0% |
| Washington | $1,018 | -$302 | -22.9% |
| West Virginia | $1,210 | -$110 | -8.3% |
| Wisconsin | $914 | -$406 | -30.8% |
| Wyoming | $1,172 | -$148 | -11.2% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT6 | $370 | $656 | $264 | $1,400 |
| 2023 Cadillac XT6 | $356 | $640 | $274 | $1,380 |
| 2022 Cadillac XT6 | $344 | $612 | $284 | $1,350 |
| 2021 Cadillac XT6 | $326 | $592 | $292 | $1,320 |
| 2020 Cadillac XT6 | $312 | $548 | $298 | $1,268 |
Rates are averaged for all Cadillac XT6 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap Cadillac XT6 Insurance
Saving money on car insurance takes being a good driver, having above-average credit, eliminating unneeded coverage, and possibly higher deductibles. Make time to compare rates once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The following list is a quick review of the data that was touched on in this article.
- Drivers can save around $170 per year just by quoting online in advance
- Policyholders who purchase an increased level of liability coverage will pay about $320 each year to raise limits from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 have the highest car insurance rates, costing as high as $390 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,530 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,678 |
| 20 | $3,022 |
| 30 | $1,394 |
| 40 | $1,320 |
| 50 | $1,202 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,724 |
| $250 | $1,536 |
| $500 | $1,320 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,320 |
| 50/100 | $1,378 |
| 100/300 | $1,451 |
| 250/500 | $1,641 |
| 100 CSL | $1,408 |
| 300 CSL | $1,568 |
| 500 CSL | $1,685 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,732 |
| 20 | $4,814 |
| 30 | $2,930 |
| 40 | $2,848 |
| 50 | $2,712 |
| 60 | $2,690 |
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 | $73 |
| Multi-vehicle | $68 |
| Homeowner | $18 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $66 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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