Cadillac XT6 Insurance Rates

The average insurance prices for a Cadillac XT6 are $1,320 every 12 months including full coverage. Comprehensive insurance costs on average $326 a year, collision insurance costs $592, and liability is estimated at $292. A liability-only policy costs approximately $336 a year, and high-risk insurance costs $2,848 or more. 16-year-old drivers cost the most to insure at up to $4,678 a year.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and XT6 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location and their own driving history, instead of using rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down average Cadillac XT6 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $739
• Choosing higher $1,000 deductibles can save around $1,112 every year
• The average price for a good driver age 40 with $500 deductibles is $1,320
• Buying low $100 deductibles for comp and collision coverage costs an extra $404 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,848
• Policy cost to insure a teen driver may cost $4,678 each year

View Chart as Image

Car insurance rates for a Cadillac XT6 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your XT6.

Opting for high physical damage deductibles can save as much as $620 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $263 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 136% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Cadillac XT6 insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Low Cost Cadillac XT6 Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $170 per year just by quoting early and online
• Higher risk drivers who have several accidents or serious violations may pay on average $1,530 more each year to insure their XT6
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Teen drivers are expensive to insure, with premiums being up to $390 each month if the policy includes full coverage