Cadillac XT5 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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Average insurance rates for a Cadillac XT5 are $1,574 a year for full coverage. Comprehensive costs on average $332 a year, collision costs $668, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,432. Teen drivers receive the highest rates at $5,832 a year or more.

Average premium for full coverage: $1,574

Rate estimates by individual coverage type:

Comprehensive $332
Collision $668
Liability $416

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and XT5 trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $3,432 for a high risk driver.

Liability Only $474
Full Coverage $1,574
High Risk $3,432

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,181
Small Cities $1,653
Large Cities $2,125

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Cadillac XT5 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $889
  • Drivers who choose higher $1,000 deductibles will pay around $1,348 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,574
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,020
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,432 or more
  • The cost for full coverage for a teen driver may cost $5,832 a year

View Chart as Image

Cadillac XT5 insurance cost comparison chart
Column chart showing full coverage Cadillac XT5 insurance rates range from $889 to $5,832

for a Cadillac XT5 can also vary considerably based on your driver profile, the trim level of your XT5, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,800 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 $1,040 a year in states like Idaho, Maine, and Iowa, or as much as $2,250 on average in Michigan, Louisiana, and New York.

Cadillac XT5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,424 -$150 -9.5%
Alaska $1,208 -$366 -23.3%
Arizona $1,308 -$266 -16.9%
Arkansas $1,574 -$0 0.0%
California $1,796 $222 14.1%
Colorado $1,506 -$68 -4.3%
Connecticut $1,620 $46 2.9%
Delaware $1,782 $208 13.2%
Florida $1,972 $398 25.3%
Georgia $1,456 -$118 -7.5%
Hawaii $1,130 -$444 -28.2%
Idaho $1,066 -$508 -32.3%
Illinois $1,174 -$400 -25.4%
Indiana $1,186 -$388 -24.7%
Iowa $1,064 -$510 -32.4%
Kansas $1,498 -$76 -4.8%
Kentucky $2,150 $576 36.6%
Louisiana $2,332 $758 48.2%
Maine $972 -$602 -38.2%
Maryland $1,300 -$274 -17.4%
Massachusetts $1,260 -$314 -19.9%
Michigan $2,738 $1,164 74.0%
Minnesota $1,318 -$256 -16.3%
Mississippi $1,886 $312 19.8%
Missouri $1,400 -$174 -11.1%
Montana $1,694 $120 7.6%
Nebraska $1,242 -$332 -21.1%
Nevada $1,888 $314 19.9%
New Hampshire $1,136 -$438 -27.8%
New Jersey $1,760 $186 11.8%
New Mexico $1,394 -$180 -11.4%
New York $1,660 $86 5.5%
North Carolina $908 -$666 -42.3%
North Dakota $1,290 -$284 -18.0%
Ohio $1,090 -$484 -30.7%
Oklahoma $1,618 $44 2.8%
Oregon $1,442 -$132 -8.4%
Pennsylvania $1,504 -$70 -4.4%
Rhode Island $2,102 $528 33.5%
South Carolina $1,428 -$146 -9.3%
South Dakota $1,330 -$244 -15.5%
Tennessee $1,380 -$194 -12.3%
Texas $1,900 $326 20.7%
Utah $1,166 -$408 -25.9%
Vermont $1,078 -$496 -31.5%
Virginia $944 -$630 -40.0%
Washington $1,218 -$356 -22.6%
West Virginia $1,442 -$132 -8.4%
Wisconsin $1,090 -$484 -30.7%
Wyoming $1,404 -$170 -10.8%

View Chart as Image

Cadillac XT5 insurance rates by U.S. city

Choosing high deductibles could save up to $680 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Cadillac XT5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Cadillac XT5 $332 $668 $416 $1,574
2017 Cadillac XT5 $304 $618 $442 $1,522

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 Cadillac XT5 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $675 each year
  • Drivers can save as much as $190 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $486 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,860 more each year for insurance

Rates by Driver Age

Cadillac XT5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,832
20 $3,664
30 $1,650
40 $1,574
50 $1,440
60 $1,412

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,020
$250 $1,812
$500 $1,574
$1,000 $1,348

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,574
50/100 $1,657
100/300 $1,761
250/500 $2,032
100 CSL $1,699
300 CSL $1,928
500 CSL $2,094

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XT5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,350
20 $5,840
30 $3,514
40 $3,432
50 $3,276
60 $3,248

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.

SR-22 Surcharge $225

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $83
Homeowner $22
5-yr Accident Free $122
5-yr Claim Free $103
Paid in Full/EFT $76
Advance Quote $81
Online Quote $113
Total Discounts $685
Rate after discounts $889

Discounts are estimated and may not be available from every company or in every state.

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