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2010 Cadillac SRX Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2010 Cadillac SRX are $1,234 a year including full coverage. Comprehensive insurance costs on average $228 a year, collision costs $374, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,668 or more. Teen drivers receive the highest rates at $4,788 a year or more.

Annual premium for full coverage: $1,234

Rate estimates for 2010 Cadillac SRX Insurance

Comprehensive $228
Collision $374
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 Cadillac SRX models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $522 for just liability coverage to a high of $2,668 for a high risk driver.

Liability Only $522
Full Coverage $1,234
High Risk $2,668

View Chart as Image

2010 Cadillac SRX insurance rates compared
Column chart showing 2010 Cadillac SRX insurance prices range from $725 to $4,788 for full coverage

These differences highlight why it is important for drivers to compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2010 Cadillac SRX Insurance

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Want better auto insurance rates for your Cadillac SRX? Overpriced Cadillac SRX insurance can overdraw your bank account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. Because you have many options, it’s difficult to find the most affordable insurance company.

It’s smart to get comparison quotes periodically because prices are adjusted regularly by insurance companies. Even if you got the best price for SRX coverage on your last policy you will most likely find a better rate today. There is too much inaccurate information about auto insurance online but we’re going to give you some guaranteed methods to find cheap auto insurance.

Shopping for the best insurance coverage is quite easy. If you have insurance now or are just looking to switch companies, you can learn to reduce the price you pay while maximizing coverage. Consumers just need to learn the most effective way to shop for insurance coverage over the internet.

Discounts to lower 2010 Cadillac SRX insurance rates

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked for before you get the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Defensive Driver – Taking a driver safety course could save 5% or more if your company offers it.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Accident Forgiveness – Certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for SRX coverage than less cautious drivers.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.

Drivers should understand that some credits don’t apply the whole policy. A few only apply to specific coverage prices like medical payments or collision. Just because it seems like adding up those discounts means a free policy, you’re out of luck. Any amount of discount will cut your overall premium however.

Insurance companies that possibly offer some of the above discounts include:

Double check with each company which discounts you may be entitled to. Some discounts may not be available in every state.

Insurance Prices Online

Getting better 2010 Cadillac SRX insurance pricing can be surprisingly simple. Just take time to compare rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.

The most efficient way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for multiple quote forms for each company. A single, simple form will get you rate comparisons from multiple companies.

A different way to find lower rates consists of visiting each company’s website and complete a new quote form. For instance, let’s say you want rates from GEICO, Liberty Mutual and Travelers. You would have to visit each site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The least efficient method to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the personal advice of a local agent. Drivers can comparison shop online but buy from a local insurance agent and we’ll talk about that later.

It doesn’t matter which method you choose, just make darn sure you compare identical coverage limits and deductibles on every quote you get. If you have different deductibles it’s impossible to determine the lowest rate for your Cadillac SRX.

Cadillac SRX rate determination is complex

Smart consumers have a good feel for the factors that help determine insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get better insurance rates.

  • Do you qualify for a multi-policy discount? – The majority of insurance companies will give a discount to customers who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare rates to verify if the discount is saving money.
  • Your spouse saves you money – Being married can actually save you money on your policy. It means you’re more mature than a single person and it’s proven that drivers who are married are more cautious.
  • Do you need the policy add-ons? – There are quite a few extra coverages you can purchase if you aren’t careful. Coverages for roadside assistance, better glass coverage and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so eliminate them to save money.
  • How your age affects price – Young drivers are statistically proven to be less responsible when driving so they pay higher insurance rates. Adding a young driver onto your insurance can break the bank. More mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
  • An active claims history can cost you – If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance companies provide better rates to people who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Men pay higher rates – Statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. Women and men are in accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as DWI and reckless driving.

Tailor your coverage to you

When choosing coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help highlight if you could use an agent’s help.

  • Is my nanny covered when driving my vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Are rental cars covered under my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • When can my company non-renew my policy?
  • Is my cargo covered for damage or theft?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Information about specific coverages

Having a good grasp of your insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

UM/UIM Coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Cadillac SRX.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage will pay to fix damage to your SRX resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, funeral expenses, court costs, emergency aid and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like doctor visits, pain medications, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, fire damage, falling objects, rock chips in glass and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

In the end, you save

Cheap 2010 Cadillac SRX insurance is definitely available from both online companies and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone dropped full coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

For more information, link through to these articles:

Rates by U.S. City

2010 Cadillac SRX Insurance Rates by City
City Premium
New York City, NY $1,947
Los Angeles, CA $2,109
Philadelphia, PA $1,649
Jacksonville, FL $1,789
Phoenix, AZ $1,431
Chicago, IL $1,652
Houston, TX $1,932
Seattle, WA $1,202
Columbus, OH $1,031
Indianapolis, IN $1,049

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 Cadillac SRX Insurance Rates by Driver Age
Driver Age Premium
16 $4,788
20 $2,836
30 $1,270
40 $1,234
50 $1,128
60 $1,106

Full coverage, $500 deductibles

Rates by Deductible

2010 Cadillac SRX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,496
$250 $1,374
$500 $1,234
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Cadillac SRX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,234
50/100 $1,329
100/300 $1,447
250/500 $1,755
100 CSL $1,376
300 CSL $1,637
500 CSL $1,827

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Cadillac SRX Insurance Rates for High Risk Drivers
Age Premium
16 $6,794
20 $4,524
30 $2,706
40 $2,668
50 $2,548
60 $2,524

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.

SR-22 Surcharge $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $84
5-yr Claim Free $79
Paid in Full/EFT $51
Advance Quote $58
Online Quote $86
Total Discounts $509
Rate after discounts $725

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2010 Cadillac SRX Insurance Rates by State
State Premium
Alabama $1,116
Alaska $944
Arizona $1,022
Arkansas $1,234
California $1,406
Colorado $1,178
Connecticut $1,268
Delaware $1,396
Florida $1,542
Georgia $1,136
Hawaii $886
Idaho $832
Illinois $918
Indiana $928
Iowa $832
Kansas $1,172
Kentucky $1,680
Louisiana $1,824
Maine $760
Maryland $1,016
Massachusetts $986
Michigan $2,142
Minnesota $1,030
Mississippi $1,474
Missouri $1,094
Montana $1,322
Nebraska $972
Nevada $1,480
New Hampshire $886
New Jersey $1,376
New Mexico $1,092
New York $1,298
North Carolina $710
North Dakota $1,010
Ohio $852
Oklahoma $1,266
Oregon $1,128
Pennsylvania $1,178
Rhode Island $1,644
South Carolina $1,116
South Dakota $1,040
Tennessee $1,080
Texas $1,486
Utah $912
Vermont $844
Virginia $738
Washington $954
West Virginia $1,128
Wisconsin $854
Wyoming $1,098

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