Cadillac SRX Insurance Rates

What is a Cadillac SRX? It is a luxury midsize crossover SUV. The Cadillac SRX insurance rates cost $126 per month or $1,510 annually. But what factors determine assurance on a Cadillac SRX? 

Perhaps you’re wondering will the number of miles I drive per year affect my rate? Or maybe you’re asking will where I live affect my insurance rate? Both will impact your Cadillac SRX insurance prices. Read our comprehensive guide to see how insurance companies use many variables when calculating cheap car insurance premiums. 

How can you easily compare rates between different providers for your 2015 Cadillac SRX or your Cadillac SRX 2010? Just enter your five-digit ZIP code into our FREE quote comparison tool to get started.

Estimated auto insurance rates for a Cadillac SRX are $1,286 annually with full coverage. Comprehensive insurance costs approximately $242 a year, collision costs $426, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,790 or more. Teen drivers pay the most at $4,956 a year or more.

Average premium for full coverage: $1,286

Premium estimates by type of coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and SRX trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details estimated Cadillac SRX insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save $1,134 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,286
• Choosing low $100 deductibles costs an additional $296 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,790 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost $4,956

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $450 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Cadillac SRX insurance prices. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and prices will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Cheapest Cadillac SRX Insurance

Finding better rates on insurance for a Cadillac SRX consists of being a good driver, having good credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by getting quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a recap of the information raised in the charts and tables above.

• You may be able to save around $150 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, possibly costing $413 per month if they have full coverage
• Increasing policy deductibles could save up to $450 each year
• Drivers considered higher risk that have major violations or accidents may pay on average $1,500 more per year than a safer driver
• Insureds who purchase an increased level of liability coverage will pay about $510 every year to raise from 30/60 bodily injury limits to higher 250/500 limits

We’ve answered questions about how much does it cost to insure a Cadillac SRX on average. Now you can answer for yourself the question of is the Cadillac SRX a good car for you? 

More goes into car insurance rates than simply car models. To those asking, will my age affect my insurance rate? The answer is yes. At what age will my rates go down? Usually, once you turn twenty-six your rates decrease substantially.

Regardless of your age, secure the cheapest insurance rates after you purchase your new or used Cadillac SRX by entering your ZIP code into our FREE quote comparison tool below.

What are the safety ratings for the Cadillac SRX?

Understanding the Cadillac SRX safety ratings will help you see where you save money on car insurance and what might cost you more. 

For example, have you ever wondered do they still make Cadillac SRX? The 2016 Cadillac SRX was the last model they produced of this vehicle. 

Why was Cadillac SRX discontinued? Looking at the Cadillac SRX history, despite being a popular model, it was replaced in 2017 by the XT5. 

While there is no Cadillac SRX 2019 model, maybe you’re wondering, will I get a lower rate if I buy a used Cadillac SRX? It depends on the year of the model you purchase. Looking at the Cadillac SRX reviews, there was a safety recall on some of the 2010 models.

See the 2016 Cadillac SRX safety ratings below.

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The rating of Good is the best score given by the Insurance Insitute for Highway Safety. These outcomes definitely help lower your car insurance rates.

Are there different insurance rates for the different trims? There are different Cadillac SRX trims available, fortunately, they do not impact the safety ratings, so your rates will be unaffected. 

The astute car shopper might think, what safety features can I get on a Cadillac SRX to save money on my insurance? Anti-theft devices, factory airbags, and antilock brakes help you qualify for discounts.

Cadillac SRX Compared Against other Vehicles in the Same Class

Is it more expensive to insure a Cadillac SRX than other vehicles? One way to answer this is by looking at how does the Cadillac SRX differ from other vehicles in the same class. Officially, the Insurance Institute for Highway Safety labels the Cadillac SRX as a midsize luxury SUV.

Comparing your vehicle’s insurance loss ratios to other similar models can help you save on car insurance. See how similar luxury midsize SUVs compare below. 

• BMW X3
• Infiniti QX60
• Mercedes-Benz GLC 300

The Cadillac SRX has average levels of insurance loss ratios in all categories, from the -13 percent for bodily injury loss to the one percent for collision loss. That’s good news for your insurance rates.

However, when calculating rates, insurance companies will also ask is a Cadillac SRX viewed as a high-risk vehicle, and are Cadillac SRXs expensive to repair? Because this is a discontinued luxury vehicle, it is costly to fix and does increase your premiums. 

Before you ask, will I pay more if I opt for the sport package, know that some of those parts are more expensive to replace. However, if you’re wondering will the color of my Cadillac SRX affect my rate, that is just a myth.

However, there are factors separate from your vehicle’s make and model that impact your rates. For example, to those wondering will my driving record affect my insurance rate, or will my credit rating affect my insurance rate, the answer is yes. 

You’re now an expert on Cadillac SRX insurance rates. Stop asking, should I compare rates, and start shopping. Immediately secure the lowest assurance on a Cadillac SRX by entering your ZIP code into our FREE quote comparison tool.