Cadillac XT5 Insurance Rates

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UPDATED: Jun 6, 2024

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Average insurance rates for a Cadillac XT5 are $1,476 a year including full coverage. Comprehensive costs around $292, collision costs $574, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $3,212. Teens receive the highest rates at $5,564 a year or more.

Average premium for full coverage: $1,476

Rate estimates for individual coverage type:

Comprehensive $292
Collision $574
Liability $452

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all XT5 models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from the low end price of $504 for liability-only coverage to the much higher price of $3,212 for high-risk insurance.

Liability Only $504
Full Coverage $1,476
High Risk $3,212

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance rates.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

These examples highlight why everyone should get quotes for a specific zip code, instead of making a decision based on averaged prices.

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.

Additional Charts and Tables

The chart below breaks down estimated Cadillac XT5 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $841
  • Choosing higher $1,000 deductibles can save about $196 every year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,476
  • Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,860
  • Higher-risk drivers with serious driving violations could pay at least $3,212 or more
  • The cost that insures a 16-year-old driver for full coverage can be $5,564 each year

View Chart as Image

Cadillac XT5 insurance cost comparison chart
Column chart showing full coverage Cadillac XT5 insurance rates range from $841 to $5,564

Auto insurance rates for a Cadillac XT5 can also vary considerably based on the model of your XT5, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,800 to $2,400 in extra premium per year, depending on your age. Cadillac XT5 insurance for high-risk drivers ranges from 43% to 136% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $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 $1,130 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,100 on average in Michigan, New York, and Louisiana.

Cadillac XT5 Insurance Rates by State
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%

View Chart as Image

Cadillac XT5 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

Cadillac XT5 Insurance Rates by Model Year
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 Cheap Cadillac XT5 Insurance

Saving money on insurance for a Cadillac XT5 takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a brief summary of the material that was illustrated above.

  • Insureds who may need higher liability limits will pay approximately $500 per year to raise limits from a minimum limit to the 250/500 level
  • Teenagers are expensive to insure, as much as $464 per month if the policy includes full coverage
  • Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,740 more every year for car insurance
  • Increasing deductibles can save approximately $575 each year

Rates by Driver Age

Cadillac XT5 Insurance 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

Cadillac XT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,860
$250 $1,680
$500 $1,476
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT5 Insurance Rates with Different Liability Limits
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

Cadillac XT5 Insurance 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.

SR-22 Surcharge $211

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
Rate after discounts $841

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

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