Cadillac XT6 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Cadillac XT6 are $1,320 annually for full coverage. Comprehensive costs around $326 a year, collision insurance costs $592, and liability is estimated at $292. Liability-only insurance costs approximately $336 a year, and high-risk driver insurance costs around $2,848. Teen drivers pay the highest rates at up to $4,678 a year.
Average premium for full coverage: $1,320
Price estimates for individual coverage:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and XT6 trim levels.
Price Range from Low to High
For the average 40-year-old driver, Cadillac XT6 insurance prices range from as cheap as $336 for your basic liability-only policy to a high of $2,848 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have fewer accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above show why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.
More Rate Information
The chart below shows average Cadillac XT6 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $739
- Choosing higher $1,000 deductibles can save about $1,112 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,320
- Choosing low $100 deductibles for comp and collision coverage will cost $1,724
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,848
- The price with full coverage for a 16-year-old driver can be $4,678 each year
Car insurance prices for a Cadillac XT6 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,600 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges from 45% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $620 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $263 extra every 12 months. View Rates by Deductible or Liability Limit
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 $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.
| 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 Low Cost Cadillac XT6 Insurance
Getting lower rates on insurance for a Cadillac XT6 takes avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a review of the data touched on in this article.
- Insureds who may need increased liability limits will pay about $320 each year to raise limits from a low limit to higher 250/500 limits
- Drivers can save up to $170 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $600 each year
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $390 a month if comprehensive and collision insurance is included
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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