Cadillac XT5 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 6, 2024
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Estimated insurance prices for a Cadillac XT5 are $1,476 every 12 months with full coverage. Comprehensive costs approximately $292, collision insurance costs $574, and liability costs around $452. A policy with only liability insurance costs as low as $504 a year, and a high-risk policy costs around $3,212. Teenage drivers pay the most at up to $5,564 a year.
Average premium for full coverage: $1,476
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all XT5 models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Cadillac XT5 range from the cheapest price of $504 for just the minimum liability insurance to the much higher price of $3,212 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The example below illustrates how where you live affects auto insurance prices.
These rate differences demonstrate why everyone should 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.
Additional Rate Analysis
The chart below details average Cadillac XT5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $841
- Using higher $1,000 deductibles will save $196 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,476
- Using pricier low deductibles for physical damage coverage increases the price to $1,860
- Drivers who are prone to accidents and violations could pay around $3,212
- An auto insurance policy to insure a teen driver for full coverage can cost $5,564 or more
Car insurance prices for a Cadillac XT5 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your XT5.
Using high physical damage deductibles could cut prices by as much as $580 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,800 to $2,400 extra annually, depending on your age. Cadillac XT5 insurance for high-risk drivers can be as much as 43% to 136% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Cadillac XT5 insurance prices. A driver around age 40 might see prices 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% |
| 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 Low Cost Cadillac XT5 Insurance
Finding better rates on car insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop every year by getting rate quotes from direct companies, and also from insurance agencies where you live.
The following items are a review of the coverage data touched on in the above illustrations.
- You may be able to save around $180 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $575 each year
- 16 to 18-year-old drivers pay the highest auto insurance prices, possibly costing $464 per month if the policy includes full coverage
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,740 more per year than a driver with a clean driving record
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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