Cadillac SRX Insurance Rates
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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 $1,400 a year for full coverage. Comprehensive costs on average $270 a year, collision costs $516, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $3,048. Teen drivers receive the highest rates at $5,330 a year or more.
Average premium for full coverage: $1,400
Rate estimates by individual coverage type:
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 $508 for only liability insurance to a high of $3,048 for a high risk driver.
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.
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 $803
- Drivers who choose higher $1,000 deductibles will pay around $1,224 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,400
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,750
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,048 or more
- The cost for full coverage for a teen driver may cost $5,330 a year
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 $5,300 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 $920 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $530 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 $411 . 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 $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% 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
|Model and Trim||Annual Premium||Monthly Premium|
|Cadillac SRX 2WD||$1,334||$111|
|Cadillac SRX Luxury 2WD||$1,368||$114|
|Cadillac SRX Luxury AWD||$1,368||$114|
|Cadillac SRX Performance 2WD||$1,400||$117|
|Cadillac SRX Performance AWD||$1,400||$117|
|Cadillac SRX Premium 2WD||$1,400||$117|
|Cadillac SRX Premium AWD||$1,434||$120|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Cadillac SRX||$270||$516||$456||$1,400|
|2015 Cadillac SRX||$258||$464||$460||$1,340|
|2013 Cadillac SRX||$234||$400||$464||$1,256|
|2012 Cadillac SRX||$228||$374||$474||$1,234|
|2011 Cadillac SRX||$210||$346||$474||$1,188|
|2010 Cadillac SRX||$206||$314||$478||$1,156|
|2006 Cadillac SRX||$172||$230||$460||$1,020|
|2005 Cadillac SRX||$168||$218||$452||$996|
|2004 Cadillac SRX||$154||$208||$446||$966|
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 $525 each year
- Drivers can save as much as $170 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 $444 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,650 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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$103|
|5-yr Claim Free||$91|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.