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.

The average insurance rates for a Cadillac SRX are $1,400 a year for full coverage. Comprehensive insurance costs an estimated $270 a year, collision costs $516, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing $3,048 or more. Teen drivers cost the most to insure at $5,330 a year or more.

Average premium for full coverage: $1,400

Policy rates broken down by type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and SRX trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas.

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

The examples above show why it is important to get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $803
• Choosing higher $1,000 deductibles can save approximately $1,224 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,400
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $350 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,048 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,330 each year

View Chart as Image

Insurance rates for a Cadillac SRX also range considerably based on your risk profile, the trim level of your SRX, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Cadillac SRX insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or as much as $2,000 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $530 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates will be varied 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 cheaper rates on Cadillac SRX insurance takes having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a brief recap of the material that was raised in the charts and tables above.

• Drivers who want increased levels of liability coverage will pay about $500 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are charged the highest rates, costing up to $444 each month for full coverage
• High-risk drivers who tend to receive serious violations pay an average of $1,650 more annually to buy Cadillac SRX insurance
• Increasing comprehensive and collision deductibles can save around $525 each year

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.