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 insurance rates for a Cadillac SRX are $1,286 a year with full coverage. Comprehensive insurance costs an estimated $242 a year, collision costs $426, and liability is estimated at $460. A policy with only liability insurance costs approximately $510 a year, with a high-risk policy costing $2,790 or more. 16-year-old drivers pay the most at $4,956 a year or more.

Average premium for full coverage: $1,286

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes 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

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

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

These rate differences demonstrate why it is important to get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

More Rate Details

The chart below details estimated Cadillac SRX insurance rates for other coverage scenarios.

• The best full coverage rate is $749
• Choosing higher $1,000 deductibles can save approximately $1,134 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,286
• Buying low $100 deductibles for comp and collision coverage will cost an extra $296 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,790 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $4,956 each year

View Chart as Image

Car insurance prices for a Cadillac SRX also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Cadillac SRX insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $450 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

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 Find the Best Cadillac SRX Insurance

Finding better rates on insurance for a Cadillac SRX takes being a safe and courteous driver, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to shop around every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief recap of the ideas that were raised in the charts and tables above.

• Teenage drivers have the highest car insurance prices, possibly costing $413 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,500 more annually for auto insurance
• Increasing policy deductibles can save around $450 each year
• You may be able to save approximately $150 per year simply by quoting early and online

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.