Cadillac XT5 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 6, 2024
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Average insurance rates for a Cadillac XT5 are $1,476 a year for full coverage. Comprehensive insurance costs on average $292 a year, collision costs $574, and liability is estimated at $452. A policy with just liability insurance costs approximately $504 a year, with coverage for high-risk drivers costing $3,212 or more. Teenage drivers receive the highest rates at $5,564 a year or more.
Average premium for full coverage: $1,476
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and XT5 trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $504 for your basic liability-only policy to a high of $3,212 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities.
The diagram below illustrates how your location can change car insurance rates.
These examples show why it is important to get quotes based on a specific location, 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.
More Rate Information
The chart below shows estimated Cadillac XT5 insurance rates for different risk profiles and scenarios.
- The best discount rate is $841
- Choosing higher $1,000 deductibles can save around $1,280 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,476
- Using low $100 deductibles for comp and collision coverage will cost an additional $384 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,212 or more
- The cost that insures a teen driver may cost $5,564 each year
Insurance rates for a Cadillac XT5 can also vary considerably based on the trim level of your XT5, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,500 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac XT5 insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,100 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can save as much as $580 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.
| 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 Find the Best Cheap Cadillac XT5 Insurance
Saving money on car insurance takes being a good driver, having a good credit score, eliminating unneeded coverage, and insuring your home and auto with the same company. Compare prices once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a quick review of the data that was illustrated above.
- Drivers can save as much as $180 per year simply by quoting early and online
- Policyholders who require an increased level of liability coverage will pay an extra $500 each year to raise limits from a minimum limit to the 250/500 level
- Drivers age 16 to 20 pay higher rates, costing as high as $464 per month if comprehensive and collision insurance is included
- Higher risk drivers with a DUI or reckless driving violation may pay on average $1,740 more each year than a safer driver
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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