Cadillac XT5 Insurance Rates

Average auto insurance rates for a Cadillac XT5 are $1,476 annually including full coverage. Comprehensive costs an estimated $292, collision insurance costs $574, and liability coverage costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs around $3,212. 16-year-old drivers receive the highest rates at up to $5,564 a year.

Average premium for full coverage: $1,476

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all XT5 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The example below illustrates how your location can change insurance prices.

These examples highlight why everyone should compare rates for a targeted area and their own personal driving habits, rather than using rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down average Cadillac XT5 insurance rates for other coverage scenarios.

• The best full coverage rate is $841
• Drivers who choose higher $1,000 deductibles will pay approximately $196 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,476
• Buying pricier low deductibles for comprehensive and collision insurance will cost $1,860
• High-risk insureds with multiple tickets or accidents could pay up to $3,212
• The cost with full coverage for a teenage driver for full coverage can cost as much as $5,564 a year

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Insurance rates for a Cadillac XT5 can also vary considerably based on the trim level of your XT5, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,800 to $2,400 additional per year, depending on your age. Cadillac XT5 insurance for high-risk drivers can cost around 43% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $580 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Cadillac XT5 insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,100 on average in Louisiana, New York, and Michigan.

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How to Buy Low Cost Cadillac XT5 Insurance

Saving money on auto insurance not only requires being a good driver, but also having good credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a review of the primary concepts that were illustrated above.

• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Drivers who have several accidents or serious violations could be forced to pay on average $1,740 more annually than a safer driver
• Increasing deductibles could save up to $575 each year
• Drivers age 16 to 20 are expensive to insure, as much as $464 per month if they have full coverage