Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Cadillac XT6 are $1,380 every 12 months for full coverage insurance. Comprehensive costs an estimated $356, collision insurance costs $640, and liability costs $274. Liability-only coverage costs as little as $322 a year, and high-risk coverage costs around $2,978. Teenage drivers pay the most at up to $4,828 a year.
Average premium for full coverage: $1,380
Premium estimates broken down by type of coverage:
Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different XT6 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Cadillac XT6 range from the cheapest price of $322 for the bare minimum liability coverage to a much higher rate of $2,978 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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 Rate Information
The chart below illustrates average Cadillac XT6 insurance rates for other coverage scenarios.
- The best discount rate is $771
- Drivers who choose higher $1,000 deductibles will pay approximately $226 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,380
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,818
- Drivers who are prone to accidents and violations could pay up to $2,978
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost as much as $4,828 a year
Insurance prices for a Cadillac XT6 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Using high physical damage deductibles could save up to $670 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $246 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost from 46% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Cadillac XT6 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,860 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,248 | -$132 | -9.6% |
| Alaska | $1,058 | -$322 | -23.3% |
| Arizona | $1,146 | -$234 | -17.0% |
| Arkansas | $1,380 | -$0 | 0.0% |
| California | $1,572 | $192 | 13.9% |
| Colorado | $1,316 | -$64 | -4.6% |
| Connecticut | $1,418 | $38 | 2.8% |
| Delaware | $1,562 | $182 | 13.2% |
| Florida | $1,726 | $346 | 25.1% |
| Georgia | $1,276 | -$104 | -7.5% |
| Hawaii | $994 | -$386 | -28.0% |
| Idaho | $936 | -$444 | -32.2% |
| Illinois | $1,028 | -$352 | -25.5% |
| Indiana | $1,042 | -$338 | -24.5% |
| Iowa | $932 | -$448 | -32.5% |
| Kansas | $1,310 | -$70 | -5.1% |
| Kentucky | $1,880 | $500 | 36.2% |
| Louisiana | $2,042 | $662 | 48.0% |
| Maine | $850 | -$530 | -38.4% |
| Maryland | $1,138 | -$242 | -17.5% |
| Massachusetts | $1,104 | -$276 | -20.0% |
| Michigan | $2,398 | $1,018 | 73.8% |
| Minnesota | $1,156 | -$224 | -16.2% |
| Mississippi | $1,654 | $274 | 19.9% |
| Missouri | $1,224 | -$156 | -11.3% |
| Montana | $1,486 | $106 | 7.7% |
| Nebraska | $1,088 | -$292 | -21.2% |
| Nevada | $1,656 | $276 | 20.0% |
| New Hampshire | $996 | -$384 | -27.8% |
| New Jersey | $1,540 | $160 | 11.6% |
| New Mexico | $1,222 | -$158 | -11.4% |
| New York | $1,456 | $76 | 5.5% |
| North Carolina | $794 | -$586 | -42.5% |
| North Dakota | $1,130 | -$250 | -18.1% |
| Ohio | $954 | -$426 | -30.9% |
| Oklahoma | $1,416 | $36 | 2.6% |
| Oregon | $1,266 | -$114 | -8.3% |
| Pennsylvania | $1,316 | -$64 | -4.6% |
| Rhode Island | $1,840 | $460 | 33.3% |
| South Carolina | $1,252 | -$128 | -9.3% |
| South Dakota | $1,166 | -$214 | -15.5% |
| Tennessee | $1,208 | -$172 | -12.5% |
| Texas | $1,662 | $282 | 20.4% |
| Utah | $1,024 | -$356 | -25.8% |
| Vermont | $944 | -$436 | -31.6% |
| Virginia | $828 | -$552 | -40.0% |
| Washington | $1,066 | -$314 | -22.8% |
| West Virginia | $1,268 | -$112 | -8.1% |
| Wisconsin | $954 | -$426 | -30.9% |
| Wyoming | $1,228 | -$152 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT6 | $404 | $688 | $246 | $1,448 |
| 2023 Cadillac XT6 | $384 | $660 | $258 | $1,412 |
| 2022 Cadillac XT6 | $370 | $656 | $264 | $1,400 |
| 2021 Cadillac XT6 | $356 | $640 | $274 | $1,380 |
| 2020 Cadillac XT6 | $344 | $612 | $284 | $1,350 |
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 the Best Cadillac XT6 Insurance
Finding better rates on insurance for a Cadillac XT6 not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief recap of the data that was touched on in this article.
- It is possible to save approximately $170 per year just by shopping early and online
- Insureds who want more liability coverage will pay an extra $300 annually to go from 30/60 bodily injury limits to a 250/500 level
- Teen drivers are charged the highest prices, with premiums being up to $402 per month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,600 more annually to insure their XT6
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,828 |
| 20 | $3,158 |
| 30 | $1,462 |
| 40 | $1,380 |
| 50 | $1,256 |
| 60 | $1,232 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,818 |
| $250 | $1,616 |
| $500 | $1,380 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,380 |
| 50/100 | $1,435 |
| 100/300 | $1,503 |
| 250/500 | $1,681 |
| 100 CSL | $1,462 |
| 300 CSL | $1,613 |
| 500 CSL | $1,723 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,962 |
| 20 | $5,026 |
| 30 | $3,066 |
| 40 | $2,978 |
| 50 | $2,836 |
| 60 | $2,810 |
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 | $76 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $70 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $609 |
Discounts are estimated and may not be available from every company or in every state.
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