Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance rates for a Cadillac XT5 are $1,548 a year for full coverage insurance. Comprehensive costs on average $320, collision insurance costs $640, and liability coverage costs $430. A liability-only policy costs as little as $486 a year, and high-risk insurance costs around $3,374. Teenage drivers receive the highest rates at up to $5,768 a year.
Average premium for full coverage: $1,548
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all XT5 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $486 for just liability coverage to the much higher price of $3,374 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why everyone should compare rates based on a specific location, rather than using 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.
Detailed Rate Analysis
The chart below illustrates average Cadillac XT5 insurance rates for different risk profiles and scenarios.
- The best discount rate is $875
- Drivers who choose higher $1,000 deductibles will pay around $216 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,548
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,976
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,374
- The cost that insures a teenage driver for full coverage may cost $5,768 a year
Insurance rates for a Cadillac XT5 can also vary considerably based on the model of your XT5, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,900 to $2,500 extra per year, depending on your age. Cadillac XT5 insurance for high-risk drivers can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age
Where you live makes a big difference in Cadillac XT5 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,090 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Using high physical damage deductibles could save up to $650 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 more per year. View Rates by Deductible or Liability Limit
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Cadillac XT5||$320||$640||$430||$1,548|
|2017 Cadillac XT5||$292||$574||$452||$1,476|
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 Cheaper Cadillac XT5 Insurance
Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare prices at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a condensed summary of the primary concepts that were covered above.
- It is possible to save as much as $190 per year just by quoting online well ahead of the renewal date
- Drivers with multiple at-fault accidents may pay on average $1,830 more each year than a driver with a clean driving record
- Increasing deductibles can save approximately $650 each year
- 16 to 18-year-old drivers pay the highest rates, costing up to $481 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$119|
|5-yr Claim Free||$102|
|Paid in Full/EFT||$74|
Discounts are estimated and may not be available from every company or in every state.