Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2024
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Average auto insurance rates for a Cadillac XT5 are $1,476 annually for full coverage insurance. Comprehensive costs an estimated $292, collision costs $574, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $3,212. Teenage drivers receive the highest rates at $5,564 a year or more.
Average premium for full coverage: $1,476
Rate estimates broken down by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different XT5 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $504 for the bare minimum liability coverage to a much higher rate of $3,212 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.
The price range example below illustrates the difference location can make on insurance prices.
These examples illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on 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 Information
The chart below illustrates estimated Cadillac XT5 insurance rates for other coverage scenarios.
- The best discount rate is $841
- Choosing higher $1,000 deductibles can save approximately $196 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,476
- Using more expensive low deductibles for comp and collision coverage will cost $1,860
- High-risk insureds who are prone to accidents and violations could pay up to $3,212 or more
- The cost with full coverage for a teen driver with full coverage can cost as much as $5,564 each year
Auto insurance rates for a Cadillac XT5 can also vary considerably based on the trim level of your XT5, your risk profile, and liability limits and deductibles.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have 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 probably paying $1,800 to $2,400 in extra premium per year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $580 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Cadillac XT5 insurance rates. A good driver about age 40 could pay as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,990 on average in Florida, New York, and Michigan.
| 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% |
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy Affordable Cadillac XT5 Insurance
Saving money on Cadillac XT5 insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by requesting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a brief review of the material that was touched on in this article.
- Drivers who want additional liability coverage will pay an extra $500 annually to raise limits from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, costing up to $464 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,740 more annually than a driver with a clean driving record
- Increasing deductibles could save up to $575 each year
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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