Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Cadillac XT6 are $1,380 annually for full coverage insurance. Comprehensive costs on average $356, collision costs $640, and liability is estimated at $274. Liability-only coverage costs approximately $322 a year, with high-risk coverage costing around $2,978. Teenage drivers pay the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,380
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different XT6 trim levels.
Price Range from Low to High
For a 40-year-old driver, Cadillac XT6 insurance prices go from as cheap as $322 for a discount liability-only rate to a much higher rate of $2,978 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.
The price range example below illustrates how your location can change car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below illustrates estimated Cadillac XT6 insurance rates for different risk profiles and scenarios.
- The best discount rate is $771
- Choosing higher $1,000 deductibles can save around $226 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,380
- Using more expensive low deductibles for comp and collision coverage will cost $1,818
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,978 or more
- The price with full coverage for a 16-year-old driver with full coverage may cost $4,828 each year
Auto insurance prices for a Cadillac XT6 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance ranges from 46% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $670 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $246 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Cadillac XT6 insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.
| 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 Buy Cheap Cadillac XT6 Insurance
Getting lower rates on insurance for a Cadillac XT6 takes avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a brief summary of the concepts that were illustrated above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,600 more each year to insure a Cadillac XT6
- Drivers under the age of 20 are charged the highest prices, as much as $402 a month if full coverage is included
- It is possible to save as much as $170 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $675 each year
- It is possible to save as much as $170 per year simply by shopping early and online
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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