Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2024
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The average insurance prices for a Cadillac XT5 are $1,476 every 12 months with full coverage. Comprehensive insurance costs approximately $292 a year, collision costs $574, and liability costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $3,212 or more. Teenage drivers cost the most to insure at $5,564 a year or more.
Average premium for full coverage: $1,476
Policy rates by type of insurance:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and XT5 trim levels.
Price Range Variability
For the average driver, Cadillac XT5 insurance rates go from the cheapest price of $504 for a discount liability-only rate to a high of $3,212 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how location impacts auto insurance prices.
The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, instead of using average rates.
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.
Rates by State, City, and Model
The chart below details estimated Cadillac XT5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $841
- Using higher $1,000 deductibles will save $1,280 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,476
- Using low $100 deductibles for physical damage coverage costs an extra $384 every year
- Drivers who are prone to accidents and violations could pay around $3,212 or more
- Policy cost to insure a teen driver can cost $5,564 or more
Car insurance rates for a Cadillac XT5 also range considerably based on liability limits and deductibles, your driving record, and the model of your XT5.
Using high physical damage deductibles could cut rates by as much as $580 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Cadillac XT5 insurance prices. A driver around age 40 might see rates as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,990 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$142 | -9.6% |
| Alaska | $1,132 | -$344 | -23.3% |
| Arizona | $1,224 | -$252 | -17.1% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,680 | $204 | 13.8% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,518 | $42 | 2.8% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,846 | $370 | 25.1% |
| Georgia | $1,362 | -$114 | -7.7% |
| Hawaii | $1,060 | -$416 | -28.2% |
| Idaho | $998 | -$478 | -32.4% |
| Illinois | $1,100 | -$376 | -25.5% |
| Indiana | $1,110 | -$366 | -24.8% |
| Iowa | $996 | -$480 | -32.5% |
| Kansas | $1,402 | -$74 | -5.0% |
| Kentucky | $2,012 | $536 | 36.3% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $910 | -$566 | -38.3% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,180 | -$296 | -20.1% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,768 | $292 | 19.8% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,584 | $108 | 7.3% |
| Nebraska | $1,164 | -$312 | -21.1% |
| Nevada | $1,770 | $294 | 19.9% |
| New Hampshire | $1,064 | -$412 | -27.9% |
| New Jersey | $1,650 | $174 | 11.8% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,554 | $78 | 5.3% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,020 | -$456 | -30.9% |
| Oklahoma | $1,514 | $38 | 2.6% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,970 | $494 | 33.5% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,292 | -$184 | -12.5% |
| Texas | $1,780 | $304 | 20.6% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $882 | -$594 | -40.2% |
| Washington | $1,140 | -$336 | -22.8% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,314 | -$162 | -11.0% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2023 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2022 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2021 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2020 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac XT5 | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac XT5 | $250 | $446 | $460 | $1,314 |
Rates are averaged for all Cadillac XT5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Cadillac XT5 Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Spend time shopping around every time your policy renews by requesting quotes from direct companies, and also from insurance agencies where you live.
The items below are a quick review of the information touched on above.
- You may be able to save around $180 per year simply by quoting early and online
- Teen drivers pay the highest auto insurance rates, as much as $464 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles could save as much as $575 each year
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,740 more per year to insure their XT5
- Policyholders who purchase more liability coverage will pay an extra $500 every year to increase from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,564 |
| 20 | $3,430 |
| 30 | $1,536 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,680 |
| $500 | $1,476 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 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
| Age | Premium |
|---|---|
| 16 | $7,950 |
| 20 | $5,468 |
| 30 | $3,280 |
| 40 | $3,212 |
| 50 | $3,070 |
| 60 | $3,042 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $79 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $68 |
| Advance Quote | $74 |
| Online Quote | $105 |
| Total Discounts | $635 |
Discounts are estimated and may not be available from every company or in every state.
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