Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance prices for a Cadillac XT6 are $1,380 every 12 months including full coverage. Comprehensive costs an estimated $356, collision costs $640, and liability is $274. Liability-only insurance costs around $322 a year, with high-risk driver insurance costing around $2,978. Teens cost the most to insure at $4,828 a year or more.
Average premium for full coverage: $1,380
Policy rates broken down by type of insurance:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all XT6 models.
Price Range Variability
For an average driver, Cadillac XT6 insurance rates go from the cheapest price of $322 for your basic liability-only policy to the much higher price of $2,978 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on insurance prices.
The examples above highlight why everyone should compare rates quotes for a targeted area and their own driving history, instead of using averaged prices.
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.
More Rate Information
The chart below breaks down estimated Cadillac XT6 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $771
- Raising to $1,000 deductibles will save approximately $226 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,380
- Selecting pricier low deductibles increases the price to $1,818
- At-risk drivers with serious driving violations could pay up to $2,978 or more
- Policy cost to insure a teen driver for full coverage can cost as much as $4,828
Auto insurance rates for a Cadillac XT6 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $670 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $246 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,600 to $2,200 in extra premium every year, depending on your age. Cadillac XT6 insurance for high-risk drivers is expensive and can cost as much as 46% to 130% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Cadillac XT6 insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,970 on average in Louisiana, 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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied.
| 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 Right Cadillac XT6 Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a quick rundown of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,600 more annually to insure a Cadillac XT6
- Increasing comprehensive and collision deductibles could save as much as $675 each year
- Drivers under the age of 20 are the costliest to insure, with premiums being up to $402 each month if comprehensive and collision insurance is included
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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