Cadillac XT6 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance prices for a Cadillac XT6 are $1,320 every 12 months including full coverage. Comprehensive insurance costs an estimated $326 a year, collision insurance costs $592, and liability coverage costs $292. A liability-only policy costs as little as $336 a year, and high-risk insurance costs $2,848 or more. 16-year-old drivers receive the highest rates at up to $4,678 a year.
Average premium for full coverage: $1,320
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and XT6 trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from the cheapest price of $336 for just the minimum liability insurance to a high of $2,848 for a high-risk driver policy.
Price Range by Location
Your location has a large influence on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts insurance prices.
These examples highlight why it is important to compare rates for a targeted area and their own driving history, rather than using rate 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 Analysis
The chart below breaks down average Cadillac XT6 insurance rates for other coverage scenarios.
- The best full coverage rate is $739
- Drivers who choose higher $1,000 deductibles will pay approximately $1,112 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,320
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $404 each year
- High-risk insureds with multiple tickets or accidents could pay up to $2,848
- The cost to insure a teenage driver can cost as much as $4,678 a year
Insurance rates for a Cadillac XT6 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles could save up to $620 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $263 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,600 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost around 45% to 136% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Cadillac XT6 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,880 on average in Louisiana, New York, 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 Shop for Cheap Cadillac XT6 Insurance
Saving money on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a brief summary of the information touched on above.
- You may be able to save approximately $170 per year just by quoting early and online
- Drivers under the age of 20 are charged the highest rates, as much as $390 per month if they have full coverage
- Increasing deductibles could save as much as $600 each year
- Drivers that tend to have accidents or serious violations may have to pay on average $1,530 more annually to insure a Cadillac XT6
- Consumers who want increased liability limits will pay around $320 per year to go from a minimum limit to a 250/500 level
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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