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 rates for a Cadillac XT6 are $1,320 a year including full coverage. Comprehensive insurance costs approximately $326, collision costs $592, and liability costs $292. A liability-only policy costs as little as $336 a year, with high-risk insurance costing $2,848 or more. Teen drivers receive the highest rates at $4,678 a year or more.
Average premium for full coverage: $1,320
Rate estimates by individual coverage type:
Prices include $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all XT6 models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as low as $336 for a discount liability-only rate to the much higher price of $2,848 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance prices.
These examples highlight why everyone should compare rates using their specific location and risk profile, instead of using 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.
Rates by State, City, and Model
The chart below breaks down estimated Cadillac XT6 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $739
- Drivers who choose higher $1,000 deductibles will pay $208 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,320
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $404 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,848 or more
- The cost for full coverage for a teen driver for full coverage can cost $4,678 a year
Insurance rates for a Cadillac XT6 can also vary considerably based on your driver profile, the model of your XT6, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age
Where you live makes a big difference in Cadillac XT6 insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
Choosing high deductibles could save up to $620 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $263 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,100 extra per year, depending on your age. Cadillac XT6 insurance for high-risk drivers can cost as much as 45% to 136% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.
| 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 Find the Right Cadillac XT6 Insurance
Saving money on car insurance not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
Below is a quick rundown of the data that was presented in the illustrations above.
- You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
- Policyholders who purchase higher levels of liability will pay about $320 per year to go from a minimum limit to 250/500 limits
- Teenage drivers are expensive to insure, as much as $390 per month for full coverage
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,530 more per year for auto insurance
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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