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Cadillac SRX Luxury 2WD Insurance Rates

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Average auto insurance rates for a Cadillac SRX Luxury 2WD are $1,542 annually including full coverage. Comprehensive insurance costs on average $354 each year, collision insurance costs $666, and liability costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $3,338 or more. Teen drivers receive the highest rates at up to $5,606 a year.

Annual premium for full coverage: $1,542

Rate estimates by individual coverage:

Comprehensive $354
Collision $666
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Cadillac SRX Trim Level

For the normal driver, prices range from as cheap as $430 for just liability insurance to a high rate of $3,338 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,542
High Risk $3,338

These differences highlight why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based 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.

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Auto insurance rates for a Cadillac SRX Luxury 2WD can also vary considerably based on the model year of your SRX, your driving characteristics, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $690 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Cadillac SRX Luxury 2WD insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

View Chart as Image

Cadillac SRX Luxury 2WD insurance cost comparison chart
Column chart showing Cadillac SRX Luxury 2WD insurance prices range from $875 to $5,606 for full coverage

The chart above shows average Cadillac SRX Luxury 2WD insurance prices for various situations. The cheapest discount price is $875. Drivers who choose higher $1,000 deductibles will pay about $1,312. The average price for a 40-year-old male driver using $500 deductibles is $1,542. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,994. High risk drivers could be charged as much as $3,338. The policy rate for full coverage for a teen driver can be as high as $5,606.

Cadillac SRX Luxury 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,394 -$148 -9.6%
Alaska $1,182 -$360 -23.3%
Arizona $1,282 -$260 -16.9%
Arkansas $1,542 -$0 0.0%
California $1,758 $216 14.0%
Colorado $1,474 -$68 -4.4%
Connecticut $1,586 $44 2.9%
Delaware $1,746 $204 13.2%
Florida $1,928 $386 25.0%
Georgia $1,426 -$116 -7.5%
Hawaii $1,108 -$434 -28.1%
Idaho $1,044 -$498 -32.3%
Illinois $1,148 -$394 -25.6%
Indiana $1,162 -$380 -24.6%
Iowa $1,042 -$500 -32.4%
Kansas $1,466 -$76 -4.9%
Kentucky $2,106 $564 36.6%
Louisiana $2,282 $740 48.0%
Maine $952 -$590 -38.3%
Maryland $1,272 -$270 -17.5%
Massachusetts $1,234 -$308 -20.0%
Michigan $2,682 $1,140 73.9%
Minnesota $1,290 -$252 -16.3%
Mississippi $1,848 $306 19.8%
Missouri $1,368 -$174 -11.3%
Montana $1,656 $114 7.4%
Nebraska $1,218 -$324 -21.0%
Nevada $1,850 $308 20.0%
New Hampshire $1,112 -$430 -27.9%
New Jersey $1,724 $182 11.8%
New Mexico $1,366 -$176 -11.4%
New York $1,626 $84 5.4%
North Carolina $890 -$652 -42.3%
North Dakota $1,264 -$278 -18.0%
Ohio $1,064 -$478 -31.0%
Oklahoma $1,586 $44 2.9%
Oregon $1,412 -$130 -8.4%
Pennsylvania $1,472 -$70 -4.5%
Rhode Island $2,056 $514 33.3%
South Carolina $1,398 -$144 -9.3%
South Dakota $1,302 -$240 -15.6%
Tennessee $1,352 -$190 -12.3%
Texas $1,858 $316 20.5%
Utah $1,144 -$398 -25.8%
Vermont $1,056 -$486 -31.5%
Virginia $924 -$618 -40.1%
Washington $1,192 -$350 -22.7%
West Virginia $1,414 -$128 -8.3%
Wisconsin $1,070 -$472 -30.6%
Wyoming $1,376 -$166 -10.8%

View Chart as Image

Cadillac SRX Luxury 2WD insurance rates by U.S. city

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Rates by Driver Age

Cadillac SRX Luxury 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,606
20 $3,564
30 $1,620
40 $1,542
50 $1,406
60 $1,380

Full coverage, $500 deductibles

Rates by Deductible

Cadillac SRX Luxury 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,994
$250 $1,784
$500 $1,542
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Cadillac SRX Luxury 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,542
50/100 $1,615
100/300 $1,706
250/500 $1,942
100 CSL $1,651
300 CSL $1,851
500 CSL $1,997

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac SRX Luxury 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,030
20 $5,666
30 $3,426
40 $3,338
50 $3,184
60 $3,154

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 $216

Potential Rate Discounts

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

Discount Savings
Multi-policy $83
Multi-vehicle $79
Homeowner $21
5-yr Accident Free $119
5-yr Claim Free $100
Paid in Full/EFT $75
Advance Quote $79
Online Quote $111
Total Discounts $667
Rate after discounts $875

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

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