Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Cadillac XT6 are $1,350 every 12 months for full coverage. Comprehensive insurance costs on average $344 a year, collision costs $612, and liability insurance is $284. A policy with only liability insurance costs around $328 a year, with a high-risk policy costing $2,910 or more. Teens pay the most at $4,748 a year or more.
Average premium for full coverage: $1,350
Premium estimates by type of coverage:
Prices are based on $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and XT6 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Cadillac XT6 go from the cheapest price of $328 for minimum levels of liability insurance to a high of $2,910 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences show why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on 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.
Additional Rate Details
The chart below shows estimated Cadillac XT6 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $756
- Raising to $1,000 deductibles will save around $1,134 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,350
- Selecting low $100 deductibles costs an extra $424 a year
- Higher-risk drivers with serious driving violations could pay upwards of $2,910 or more
- An auto insurance policy to insure a teen driver may cost $4,748
Car insurance prices for a Cadillac XT6 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your XT6.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $640 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $255 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Cadillac XT6 insurance rates. A middle-age driver might find prices as low as $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,930 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes will be substantially different.
| 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 Affordable Cadillac XT6 Insurance
Finding better rates on Cadillac XT6 insurance consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least every other year by requesting rates from direct carriers, and also from local independent and exclusive agents.
The following is a brief review of the car insurance concepts covered above.
- High-risk drivers with DUI or reckless driving convictions pay an average of $1,560 more each year for XT6 insurance
- Drivers can save as much as $170 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $650 each year
- Drivers who require higher liability limits will pay approximately $310 each year to raise from 30/60 bodily injury limits to a 250/500 level
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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