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Cadillac SRX Premium 2WD Insurance Rates

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Estimated insurance rates for a Cadillac SRX Premium 2WD are $1,588 a year for full coverage insurance. Comprehensive costs approximately $368 a year, collision costs $698, and liability insurance costs $364. Liability-only insurance costs as little as $430 a year, with high-risk driver insurance costing around $3,438. Teen drivers pay the most at $5,752 a year or more.

Annual premium for full coverage: $1,588

Premium estimates by individual coverage type:

Comprehensive $368
Collision $698
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 an average driver, insurance rates for a Cadillac SRX Premium 2WD go from the low end price of $430 for your basic liability-only policy to a high of $3,438 for a driver required to buy high-risk insurance.

Liability Only $430
Full Coverage $1,588
High Risk $3,438

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $1,191
Small Cities $1,667
Large Cities $2,144

These rate differences illustrate why it is important for drivers to compare rates using their specific location, 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.

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Insurance prices for a Cadillac SRX Premium 2WD also have a wide range based on the model year of your SRX, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,900 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

Where you choose to live makes a big difference in Cadillac SRX Premium 2WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $720 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 more each year. View Rates by Deductible or Liability Limit

With such a large range of prices, the only way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

Cadillac SRX Premium 2WD insurance cost comparison chart
Column chart showing Cadillac SRX Premium 2WD insurance prices range from $898 to $5,752 for full coverage

The chart estimates Cadillac SRX Premium 2WD insurance prices for different risks and coverage choices. The lowest price with discounts is $898. Drivers who choose higher $1,000 deductibles will pay $1,346. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,588. Choosing low $100 deductibles for physical damage coverage can cost as much as $2,060. High risk drivers could be charged up to $3,438. The cost for full coverage insurance for a teenager is $5,752.

Cadillac SRX Premium 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,434 -$154 -9.7%
Alaska $1,218 -$370 -23.3%
Arizona $1,320 -$268 -16.9%
Arkansas $1,588 -$0 0.0%
California $1,810 $222 14.0%
Colorado $1,518 -$70 -4.4%
Connecticut $1,634 $46 2.9%
Delaware $1,798 $210 13.2%
Florida $1,986 $398 25.1%
Georgia $1,466 -$122 -7.7%
Hawaii $1,142 -$446 -28.1%
Idaho $1,074 -$514 -32.4%
Illinois $1,182 -$406 -25.6%
Indiana $1,196 -$392 -24.7%
Iowa $1,072 -$516 -32.5%
Kansas $1,510 -$78 -4.9%
Kentucky $2,166 $578 36.4%
Louisiana $2,352 $764 48.1%
Maine $980 -$608 -38.3%
Maryland $1,310 -$278 -17.5%
Massachusetts $1,270 -$318 -20.0%
Michigan $2,760 $1,172 73.8%
Minnesota $1,328 -$260 -16.4%
Mississippi $1,904 $316 19.9%
Missouri $1,408 -$180 -11.3%
Montana $1,706 $118 7.4%
Nebraska $1,252 -$336 -21.2%
Nevada $1,906 $318 20.0%
New Hampshire $1,146 -$442 -27.8%
New Jersey $1,776 $188 11.8%
New Mexico $1,406 -$182 -11.5%
New York $1,672 $84 5.3%
North Carolina $916 -$672 -42.3%
North Dakota $1,302 -$286 -18.0%
Ohio $1,096 -$492 -31.0%
Oklahoma $1,632 $44 2.8%
Oregon $1,456 -$132 -8.3%
Pennsylvania $1,516 -$72 -4.5%
Rhode Island $2,118 $530 33.4%
South Carolina $1,440 -$148 -9.3%
South Dakota $1,340 -$248 -15.6%
Tennessee $1,390 -$198 -12.5%
Texas $1,914 $326 20.5%
Utah $1,176 -$412 -25.9%
Vermont $1,088 -$500 -31.5%
Virginia $950 -$638 -40.2%
Washington $1,226 -$362 -22.8%
West Virginia $1,456 -$132 -8.3%
Wisconsin $1,100 -$488 -30.7%
Wyoming $1,416 -$172 -10.8%

View Chart as Image

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

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Rates by Driver Age

Cadillac SRX Premium 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,752
20 $3,672
30 $1,668
40 $1,588
50 $1,448
60 $1,422

Full coverage, $500 deductibles

Rates by Deductible

Cadillac SRX Premium 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,060
$250 $1,842
$500 $1,588
$1,000 $1,346

Full coverage, driver age 40

Rates by Liability Limit

Cadillac SRX Premium 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,588
50/100 $1,661
100/300 $1,752
250/500 $1,988
100 CSL $1,697
300 CSL $1,897
500 CSL $2,043

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac SRX Premium 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,242
20 $5,838
30 $3,530
40 $3,438
50 $3,280
60 $3,250

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 $223

Potential Rate Discounts

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

Discount Savings
Multi-policy $86
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $124
5-yr Claim Free $103
Paid in Full/EFT $78
Advance Quote $81
Online Quote $114
Total Discounts $690
Rate after discounts $898

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

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