Cadillac XT5 Insurance Rates

The average insurance rates for a Cadillac XT5 are $1,522 a year for full coverage. Comprehensive costs approximately $304 each year, collision insurance costs $618, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $3,322. 16-year-old drivers cost the most to insure at up to $5,716 a year.

Average premium for full coverage: $1,522

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and XT5 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.

The examples above show why all drivers should compare prices using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

The chart below shows average Cadillac XT5 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $861
• Using higher $1,000 deductibles will save $210 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,522
• Buying low deductibles for physical damage coverage will increase the cost to $1,932
• Drivers with multiple tickets or accidents could pay around $3,322
• Policy cost for full coverage for a teen driver can cost $5,716 or more

View Chart as Image

Car insurance rates for a Cadillac XT5 also range considerably based on your risk profile, the trim level of your XT5, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,700 a year. View Rates by Age

Your home state has a huge impact on Cadillac XT5 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or at least $2,170 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $620 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

How to Find Cheaper Cadillac XT5 Insurance

Finding cheaper rates on Cadillac XT5 insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Spend time shopping around at least once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the primary concepts that were touched on above.

• Drivers can save around $190 per year just by quoting online in advance
• High-risk drivers with multiple at-fault accidents may pay on average $1,800 more per year to insure their XT5
• Increasing comprehensive and collision deductibles can save around $625 each year
• Teen drivers pay the highest auto insurance rates, costing up to $476 each month if full coverage is included