Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Cadillac XT6 are $1,350 a year including full coverage. Comprehensive costs on average $344 a year, collision costs $612, and liability is estimated at $284. Liability-only coverage costs approximately $328 a year, with high-risk coverage costing around $2,910. Teenage drivers pay the highest rates at $4,748 a year or more.
Average premium for full coverage: $1,350
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and XT6 trim levels.
Price Range from Low to High
For the average driver, Cadillac XT6 insurance prices go from as low as $328 for liability-only coverage to a high of $2,910 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how location impacts car insurance rates.
The ranges above highlight why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on average rates.
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 breaks down estimated Cadillac XT6 insurance rates for different risk profiles and scenarios.
- The best discount rate is $756
- Choosing higher $1,000 deductibles can save around $1,134 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,350
- Using low $100 deductibles for comp and collision coverage will increase the cost to $1,774
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,910 or more
- The price for full coverage for a 16-year-old driver may cost $4,748 each year
Auto insurance prices for a Cadillac XT6 are also quite variable based on your driving record, the model of your XT6, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Cadillac XT6 insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,930 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles can save as much as $640 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $255 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.
| 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 Find Affordable Cadillac XT6 Insurance
Getting lower rates on insurance for a Cadillac XT6 takes being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Spend time shopping around at every other renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a brief review of the concepts that were touched on above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,560 more each year to insure their XT6
- Teen drivers are charged the highest prices, possibly costing $396 a month if they have full coverage
- You may be able to save as much as $170 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $650 each year
- You may be able to save as much as $170 per year simply by quoting early and online
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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