Cadillac XT6 Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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The average insurance prices for a Cadillac XT6 are $1,350 every 12 months for full coverage. Comprehensive costs an estimated $344, collision insurance costs $612, and liability insurance is estimated at $284. A liability-only policy costs approximately $328 a year, and high-risk insurance costs around $2,910. 16-year-old drivers cost the most to insure at up to $4,748 a year.
Average premium for full coverage: $1,350
Policy rates broken down by type of insurance:
Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all XT6 models.
Price Range Variability
For the average driver, Cadillac XT6 insurance rates range from the cheapest price of $328 for liability-only coverage to the much higher price of $2,910 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities. The example below illustrates how location impacts insurance prices.
The examples above show why everyone should get quotes for a targeted area and their own driving history, rather than relying on 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 Charts and Tables
The chart below shows average Cadillac XT6 insurance rates for other coverage scenarios.
- The best full coverage rate is $756
- Choosing higher $1,000 deductibles can save approximately $216 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,350
- Buying pricier low deductibles for comp and collision coverage increases the price to $1,774
- High-risk insureds with multiple tickets or accidents could pay up to $2,910
- Policy cost to insure a teen driver for full coverage can cost as much as $4,748 each year
Car insurance rates for a Cadillac XT6 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $640 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $255 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,100 extra every year, depending on your age. Cadillac XT6 insurance for high-risk drivers ranges anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Cadillac XT6 insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,930 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Shop for Affordable Cadillac XT6 Insurance
Finding cheaper rates on Cadillac XT6 insurance takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.
The points below are a brief review of the data touched on above.
- Drivers who want increased liability limits will pay around $310 each year to raise limits from a 30/60 limit to a 250/500 level
- Drivers can save approximately $170 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $650 each year
- Drivers under the age of 20 have the highest car insurance rates, costing up to $396 each month if the policy includes full coverage
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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