Cadillac XT6 Insurance Rates

Average insurance prices for a Cadillac XT6 are $1,350 every 12 months for full coverage. Comprehensive insurance costs on average $344 each year, collision insurance costs $612, and liability coverage is $284. A policy with just liability insurance costs around $328 a year, and coverage for high-risk drivers costs $2,910 or more. Teenage drivers receive the highest rates at up to $4,748 a year.

Average premium for full coverage: $1,350

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and XT6 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Cadillac XT6 insurance rates for different risk profiles and scenarios.

• The best discount rate is $756
• Raising to $1,000 deductibles will save around $216 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,350
• Using low deductibles costs an extra $424 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,910
• The cost to insure a teenage driver may cost $4,748

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Insurance rates for a Cadillac XT6 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your XT6.

Using high physical damage deductibles can reduce rates by up to $640 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $255 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Cadillac XT6 insurance rates. A middle-age driver might find rates as low as $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,930 on average in Michigan, Louisiana, and New York.

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How to Shop for Affordable Cadillac XT6 Insurance

Saving money on auto insurance consists of having a decent driving record, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief review of the material that was covered above.

• Consumers who require additional liability coverage will pay an extra $310 each year to raise from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers pay higher rates, costing as high as $396 per month if full coverage is included
• Drivers with DUI or reckless driving convictions pay an average of $1,560 more each year than a driver with a clean driving record
• Increasing deductibles could save as much as $650 each year