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 $1,350 annually for full coverage insurance. Comprehensive costs on average $344, collision insurance costs $612, and liability insurance costs around $284. A policy with just liability insurance costs as low as $328 a year, and coverage for high-risk drivers costs around $2,910. Teen drivers receive the highest rates at up to $4,748 a year.
Average premium for full coverage: $1,350
Rate estimates by individual coverage type:
Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different XT6 trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $328 for the bare minimum liability coverage to a much higher rate of $2,910 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than relying on 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 Rate Information
The chart below illustrates average Cadillac XT6 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $756
- Using higher $1,000 deductibles will save around $216 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,350
- Choosing more expensive low deductibles for physical damage coverage will cost $1,774
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,910
- The cost with full coverage for a teen driver with full coverage may cost $4,748 or more
Insurance rates for a Cadillac XT6 can also vary considerably based on the trim level of your XT6, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,100 additional per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $640 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $255 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Cadillac XT6 insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,820 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,222 | -$128 | -9.5% |
| Alaska | $1,036 | -$314 | -23.3% |
| Arizona | $1,122 | -$228 | -16.9% |
| Arkansas | $1,350 | -$0 | 0.0% |
| California | $1,536 | $186 | 13.8% |
| Colorado | $1,288 | -$62 | -4.6% |
| Connecticut | $1,388 | $38 | 2.8% |
| Delaware | $1,528 | $178 | 13.2% |
| Florida | $1,686 | $336 | 24.9% |
| Georgia | $1,248 | -$102 | -7.6% |
| Hawaii | $972 | -$378 | -28.0% |
| Idaho | $916 | -$434 | -32.1% |
| Illinois | $1,006 | -$344 | -25.5% |
| Indiana | $1,018 | -$332 | -24.6% |
| Iowa | $912 | -$438 | -32.4% |
| Kansas | $1,282 | -$68 | -5.0% |
| Kentucky | $1,840 | $490 | 36.3% |
| Louisiana | $2,000 | $650 | 48.1% |
| Maine | $830 | -$520 | -38.5% |
| Maryland | $1,114 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$272 | -20.1% |
| Michigan | $2,344 | $994 | 73.6% |
| Minnesota | $1,132 | -$218 | -16.1% |
| Mississippi | $1,618 | $268 | 19.9% |
| Missouri | $1,198 | -$152 | -11.3% |
| Montana | $1,450 | $100 | 7.4% |
| Nebraska | $1,064 | -$286 | -21.2% |
| Nevada | $1,618 | $268 | 19.9% |
| New Hampshire | $974 | -$376 | -27.9% |
| New Jersey | $1,506 | $156 | 11.6% |
| New Mexico | $1,192 | -$158 | -11.7% |
| New York | $1,422 | $72 | 5.3% |
| North Carolina | $776 | -$574 | -42.5% |
| North Dakota | $1,106 | -$244 | -18.1% |
| Ohio | $932 | -$418 | -31.0% |
| Oklahoma | $1,384 | $34 | 2.5% |
| Oregon | $1,240 | -$110 | -8.1% |
| Pennsylvania | $1,286 | -$64 | -4.7% |
| Rhode Island | $1,802 | $452 | 33.5% |
| South Carolina | $1,224 | -$126 | -9.3% |
| South Dakota | $1,140 | -$210 | -15.6% |
| Tennessee | $1,182 | -$168 | -12.4% |
| Texas | $1,626 | $276 | 20.4% |
| Utah | $1,000 | -$350 | -25.9% |
| Vermont | $922 | -$428 | -31.7% |
| Virginia | $810 | -$540 | -40.0% |
| Washington | $1,042 | -$308 | -22.8% |
| West Virginia | $1,240 | -$110 | -8.1% |
| Wisconsin | $934 | -$416 | -30.8% |
| Wyoming | $1,200 | -$150 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT6 | $384 | $660 | $258 | $1,412 |
| 2023 Cadillac XT6 | $370 | $656 | $264 | $1,400 |
| 2022 Cadillac XT6 | $356 | $640 | $274 | $1,380 |
| 2021 Cadillac XT6 | $344 | $612 | $284 | $1,350 |
| 2020 Cadillac XT6 | $326 | $592 | $292 | $1,320 |
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 Cheaper Cadillac XT6 Insurance
Saving money on Cadillac XT6 insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a condensed summary of the coverage data touched on in the above illustrations.
- It is possible to save as much as $170 per year just by shopping early and online
- Increasing deductibles could save up to $650 each year
- Teen drivers pay higher rates, costing up to $396 per month if they have full coverage
- High-risk drivers with multiple at-fault accidents may pay on average $1,560 more each year to insure their XT6
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,748 |
| 20 | $3,086 |
| 30 | $1,428 |
| 40 | $1,350 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,774 |
| $250 | $1,578 |
| $500 | $1,350 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,350 |
| 50/100 | $1,407 |
| 100/300 | $1,478 |
| 250/500 | $1,662 |
| 100 CSL | $1,435 |
| 300 CSL | $1,591 |
| 500 CSL | $1,705 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,838 |
| 20 | $4,914 |
| 30 | $2,996 |
| 40 | $2,910 |
| 50 | $2,774 |
| 60 | $2,748 |
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 | $74 |
| Multi-vehicle | $69 |
| Homeowner | $18 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $68 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $594 |
Discounts are estimated and may not be available from every company or in every state.
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