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.

Average auto insurance rates for a Cadillac SRX are $1,340 annually for full coverage. Comprehensive costs approximately $258, collision costs $464, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,908. 16-year-old drivers receive the highest rates at $5,128 a year or more.

Average premium for full coverage: $1,340

Rate estimates by individual coverage type:

These estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all SRX models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations tend to have fewer accident claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

These examples show why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $774
• Raising to $1,000 deductibles will save $164 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,340
• Buying pricier low deductibles will cost $1,658
• Drivers with multiple tickets or accidents could pay around $2,908 or more
• The cost with full coverage for a 16-year-old driver for full coverage can cost $5,128

View Chart as Image

Insurance rates for a Cadillac SRX can also vary considerably based on the trim level of your SRX, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Cadillac SRX insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $490 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Cadillac SRX insurance prices. A middle-age driver might find rates as low as $880 a year in states like Iowa, Maine, and Idaho, or at least $1,910 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates can be significantly 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 Cheap Cadillac SRX Insurance

Saving money on insurance for a Cadillac SRX consists of not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Take the time to comparison shop once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

The following is a brief summary of the data that was touched on in the above illustrations.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase higher liability limits will pay around $510 each year to raise from a minimum limit to higher 250/500 limits
• Teens are expensive to insure, costing as high as $427 per month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,570 more per year for SRX insurance

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.