Cadillac SRX Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 19, 2019

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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 insurance rates for a Cadillac SRX are $1,440 a year for full coverage. Comprehensive costs on average $282 a year, collision costs $548, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $3,136. Teen drivers receive the highest rates at $5,452 a year or more.

Average premium for full coverage: $1,440

Rate estimates by individual coverage type:

Comprehensive $282
Collision $548
Liability $452

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and SRX trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $3,136 for a high risk driver.

Liability Only $504
Full Coverage $1,440
High Risk $3,136

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,080
Small Cities $1,512
Large Cities $1,944

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Insurance Rate Analysis

The chart below shows estimated Cadillac SRX insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $822
  • Drivers who choose higher $1,000 deductibles will pay around $1,252 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,440
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,808
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,136 or more
  • The cost for full coverage for a teen driver may cost $5,452 a year

View Chart as Image

Cadillac SRX insurance cost comparison chart
Column chart showing full coverage Cadillac SRX insurance rates range from $822 to $5,452

for a Cadillac SRX can also vary considerably based on your driver profile, the trim level of your SRX, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,400 a year. View Rates by Age

Where you live makes a big difference in Cadillac SRX insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Idaho, Maine, and Iowa, or as much as $2,050 on average in Michigan, Louisiana, and New York.

Cadillac SRX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,302 -$138 -9.6%
Alaska $1,104 -$336 -23.3%
Arizona $1,196 -$244 -16.9%
Arkansas $1,440 -$0 0.0%
California $1,640 $200 13.9%
Colorado $1,374 -$66 -4.6%
Connecticut $1,480 $40 2.8%
Delaware $1,628 $188 13.1%
Florida $1,802 $362 25.1%
Georgia $1,328 -$112 -7.8%
Hawaii $1,034 -$406 -28.2%
Idaho $974 -$466 -32.4%
Illinois $1,074 -$366 -25.4%
Indiana $1,084 -$356 -24.7%
Iowa $970 -$470 -32.6%
Kansas $1,368 -$72 -5.0%
Kentucky $1,964 $524 36.4%
Louisiana $2,130 $690 47.9%
Maine $888 -$552 -38.3%
Maryland $1,186 -$254 -17.6%
Massachusetts $1,150 -$290 -20.1%
Michigan $2,502 $1,062 73.8%
Minnesota $1,206 -$234 -16.3%
Mississippi $1,724 $284 19.7%
Missouri $1,278 -$162 -11.3%
Montana $1,546 $106 7.4%
Nebraska $1,136 -$304 -21.1%
Nevada $1,728 $288 20.0%
New Hampshire $1,038 -$402 -27.9%
New Jersey $1,610 $170 11.8%
New Mexico $1,276 -$164 -11.4%
New York $1,516 $76 5.3%
North Carolina $830 -$610 -42.4%
North Dakota $1,180 -$260 -18.1%
Ohio $994 -$446 -31.0%
Oklahoma $1,478 $38 2.6%
Oregon $1,318 -$122 -8.5%
Pennsylvania $1,374 -$66 -4.6%
Rhode Island $1,920 $480 33.3%
South Carolina $1,304 -$136 -9.4%
South Dakota $1,216 -$224 -15.6%
Tennessee $1,260 -$180 -12.5%
Texas $1,736 $296 20.6%
Utah $1,066 -$374 -26.0%
Vermont $986 -$454 -31.5%
Virginia $862 -$578 -40.1%
Washington $1,114 -$326 -22.6%
West Virginia $1,320 -$120 -8.3%
Wisconsin $996 -$444 -30.8%
Wyoming $1,282 -$158 -11.0%

View Chart as Image

Cadillac SRX insurance rates by U.S. city

Choosing high deductibles could save up to $560 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,700 to $2,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Cadillac SRX Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Cadillac SRX 2WD $1,370 $114
Cadillac SRX Luxury 2WD $1,404 $117
Cadillac SRX Luxury AWD $1,404 $117
Cadillac SRX Performance 2WD $1,440 $120
Cadillac SRX Performance AWD $1,440 $120
Cadillac SRX Premium 2WD $1,440 $120
Cadillac SRX Premium AWD $1,476 $123

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.

Cadillac SRX Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Cadillac SRX $282 $548 $452 $1,440
2015 Cadillac SRX $270 $516 $456 $1,400
2013 Cadillac SRX $242 $426 $460 $1,286
2012 Cadillac SRX $234 $400 $464 $1,256
2011 Cadillac SRX $228 $374 $474 $1,234
2010 Cadillac SRX $210 $346 $474 $1,188
2006 Cadillac SRX $174 $234 $468 $1,034
2005 Cadillac SRX $172 $230 $460 $1,020
2004 Cadillac SRX $168 $218 $452 $996

Rates are averaged for all Cadillac SRX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Cadillac SRX Insurance

Saving money on Cadillac SRX insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $550 each year
  • Drivers can save as much as $180 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $454 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,700 more each year for 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.

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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. 

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.

Rates by Driver Age

Cadillac SRX Insurance Rates by Driver Age
Driver Age Premium
16 $5,452
20 $3,348
30 $1,496
40 $1,440
50 $1,316
60 $1,292

Full coverage, $500 deductibles

Rates by Deductible

Cadillac SRX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,808
$250 $1,636
$500 $1,440
$1,000 $1,252

Full coverage, driver age 40

Rates by Liability Limit

Cadillac SRX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,440
50/100 $1,566
100/300 $1,679
250/500 $1,973
100 CSL $1,612
300 CSL $1,860
500 CSL $2,041

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac SRX Insurance Rates for High Risk Drivers
Age Premium
16 $7,782
20 $5,336
30 $3,198
40 $3,136
50 $2,996
60 $2,970

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 $205

Potential Rate Discounts

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

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $107
5-yr Claim Free $94
Paid in Full/EFT $66
Advance Quote $72
Online Quote $103
Total Discounts $618
Rate after discounts $822

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

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