Cadillac XT5 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 6, 2024
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The average insurance rates for a Cadillac XT5 are $1,476 a year with full coverage. Comprehensive insurance costs on average $292 each year, collision insurance costs $574, and liability is $452. Buying just liability costs around $504 a year, and insurance for high-risk drivers costs $3,212 or more. 16-year-old drivers cost the most to insure at up to $5,564 a year.
Average premium for full coverage: $1,476
Policy rates by type of insurance:
Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and XT5 models.
Price Range Variability
For an average driver, Cadillac XT5 insurance rates range from the low end price of $504 for basic liability insurance to a high rate of $3,212 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than congested cities. The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above demonstrate why all drivers should compare rates quotes based on a specific location, instead of making a decision based on rate averages.
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.
Rate Comparisons
The chart below details average Cadillac XT5 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $841
- Raising to $1,000 deductibles will save around $196 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,476
- Buying low deductibles will cost an additional $384 annually
- Drivers with multiple tickets or accidents could pay upwards of $3,212
- Policy cost that insures a 16-year-old driver may cost $5,564
Insurance rates for a Cadillac XT5 also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,500 a year. View Rates by Age
Your home state also has a big influence on Cadillac XT5 insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like New Hampshire, Ohio, and Utah, or at least $1,990 on average in Florida, Michigan, 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% |
Opting for high physical damage deductibles can reduce rates by up to $580 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
| 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 More Affordable Cadillac XT5 Insurance
Finding cheaper rates on insurance for a Cadillac XT5 consists of having a good driving record, having above-average credit, not filing small claims, and determing if full coverage is necessary. Comparison shop once a year by getting rate quotes from direct companies, and also from several local insurance agents.
The next list is a summary of the data that was covered in the above illustrations.
- You may be able to save as much as $180 per year just by quoting online in advance
- Insureds who require increased levels of liability coverage will pay around $500 every year to raise from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger pay the highest rates, as much as $464 each month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,740 more each year to buy Cadillac XT5 insurance
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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