Cadillac XT5 Insurance Rates
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UPDATED: Apr 30, 2020
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Average insurance prices for a Cadillac XT5 are $1,548 every 12 months for full coverage insurance. Comprehensive insurance costs around $320, collision costs $640, and liability costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $3,374 or more. 16-year-old drivers receive the highest rates at $5,768 a year or more.
Average premium for full coverage: $1,548
Rate estimates for individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for all XT5 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $486 for liability-only coverage to the much higher price of $3,374 for a driver required to buy high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why everyone should compare rates for a specific zip code and their own driving history, instead of using 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.
Additional Charts and Tables
The chart below illustrates estimated Cadillac XT5 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $875
- Drivers who choose higher $1,000 deductibles will pay about $216 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,548
- Buying pricier low deductibles for comprehensive and collision insurance costs an extra $428 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,374 or more
- The cost to insure a teen driver for full coverage can be $5,768 a year
Auto insurance rates for a Cadillac XT5 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles could save up to $650 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $5,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,900 to $2,500 in extra premium per year, depending on your age. Cadillac XT5 insurance for high-risk drivers can cost as much as 43% to 137% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Cadillac XT5 insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,090 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,400 | -$148 | -9.6% |
| Alaska | $1,190 | -$358 | -23.1% |
| Arizona | $1,286 | -$262 | -16.9% |
| Arkansas | $1,548 | -$0 | 0.0% |
| California | $1,766 | $218 | 14.1% |
| Colorado | $1,480 | -$68 | -4.4% |
| Connecticut | $1,594 | $46 | 3.0% |
| Delaware | $1,754 | $206 | 13.3% |
| Florida | $1,938 | $390 | 25.2% |
| Georgia | $1,430 | -$118 | -7.6% |
| Hawaii | $1,112 | -$436 | -28.2% |
| Idaho | $1,048 | -$500 | -32.3% |
| Illinois | $1,156 | -$392 | -25.3% |
| Indiana | $1,168 | -$380 | -24.5% |
| Iowa | $1,044 | -$504 | -32.6% |
| Kansas | $1,472 | -$76 | -4.9% |
| Kentucky | $2,114 | $566 | 36.6% |
| Louisiana | $2,294 | $746 | 48.2% |
| Maine | $956 | -$592 | -38.2% |
| Maryland | $1,276 | -$272 | -17.6% |
| Massachusetts | $1,240 | -$308 | -19.9% |
| Michigan | $2,692 | $1,144 | 73.9% |
| Minnesota | $1,296 | -$252 | -16.3% |
| Mississippi | $1,856 | $308 | 19.9% |
| Missouri | $1,374 | -$174 | -11.2% |
| Montana | $1,664 | $116 | 7.5% |
| Nebraska | $1,220 | -$328 | -21.2% |
| Nevada | $1,856 | $308 | 19.9% |
| New Hampshire | $1,118 | -$430 | -27.8% |
| New Jersey | $1,732 | $184 | 11.9% |
| New Mexico | $1,372 | -$176 | -11.4% |
| New York | $1,632 | $84 | 5.4% |
| North Carolina | $892 | -$656 | -42.4% |
| North Dakota | $1,268 | -$280 | -18.1% |
| Ohio | $1,070 | -$478 | -30.9% |
| Oklahoma | $1,592 | $44 | 2.8% |
| Oregon | $1,420 | -$128 | -8.3% |
| Pennsylvania | $1,478 | -$70 | -4.5% |
| Rhode Island | $2,066 | $518 | 33.5% |
| South Carolina | $1,402 | -$146 | -9.4% |
| South Dakota | $1,306 | -$242 | -15.6% |
| Tennessee | $1,356 | -$192 | -12.4% |
| Texas | $1,868 | $320 | 20.7% |
| Utah | $1,148 | -$400 | -25.8% |
| Vermont | $1,062 | -$486 | -31.4% |
| Virginia | $928 | -$620 | -40.1% |
| Washington | $1,198 | -$350 | -22.6% |
| West Virginia | $1,420 | -$128 | -8.3% |
| Wisconsin | $1,074 | -$474 | -30.6% |
| Wyoming | $1,380 | -$168 | -10.9% |
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates can be significantly different.
| 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 Shop for the Best Cadillac XT5 Insurance
Saving money on car insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the data raised in the charts and tables above.
- Policyholders who may need an increased level of liability coverage will pay around $470 annually to go from a minimum limit to a 250/500 level
- It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $650 each year
- Drivers age 16 to 20 are expensive to insure, costing up to $481 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,768 |
| 20 | $3,604 |
| 30 | $1,618 |
| 40 | $1,548 |
| 50 | $1,416 |
| 60 | $1,388 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,976 |
| $250 | $1,776 |
| $500 | $1,548 |
| $1,000 | $1,332 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,548 |
| 50/100 | $1,634 |
| 100/300 | $1,742 |
| 250/500 | $2,021 |
| 100 CSL | $1,677 |
| 300 CSL | $1,914 |
| 500 CSL | $2,086 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,252 |
| 20 | $5,742 |
| 30 | $3,454 |
| 40 | $3,374 |
| 50 | $3,222 |
| 60 | $3,194 |
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 | $83 |
| Multi-vehicle | $82 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $111 |
| Total Discounts | $673 |
Discounts are estimated and may not be available from every company or in every state.
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