Cadillac XT5 Insurance Rates

The average insurance rates for a Cadillac XT5 are $1,548 a year for full coverage insurance. Comprehensive costs an estimated $320 each year, collision insurance costs $640, and liability costs around $430. Buying just liability costs as low as $486 a year, and insurance for high-risk drivers costs around $3,374. Teen drivers cost the most to insure at up to $5,768 a year.

Average premium for full coverage: $1,548

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and XT5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $875
• Using higher $1,000 deductibles will save approximately $216 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,548
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,976
• Drivers with multiple violations and an at-fault accident could pay up to $3,374
• Policy cost that insures a teen driver can cost as much as $5,768 or more

View Chart as Image

Insurance rates for a Cadillac XT5 also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,900 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 137% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,700 a year. View Rates by Age

Your home state has a huge impact on Cadillac XT5 insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,090 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $650 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Cadillac XT5 Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and deciding if full coverage is necessary. Shop around at least once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

The list below is a condensed summary of the primary concepts that were touched on above.

• It is possible to save approximately $190 per year just by quoting online in advance
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,830 more annually for car insurance
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Teenagers are charged the highest rates, possibly costing $481 each month if full coverage is included