Cadillac XT5 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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:

Comprehensive $320
Collision $640
Liability $430

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.

Liability Only $486
Full Coverage $1,548
High Risk $3,374

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.

Rural Areas $1,161
Small Cities $1,625
Large Cities $2,090

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

View Chart as Image

Cadillac XT5 insurance cost comparison chart
Column chart showing full coverage Cadillac XT5 insurance prices range from $875 to $5,768

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.

Cadillac XT5 Insurance Rates by State
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%

View Chart as Image

Cadillac XT5 insurance rates by U.S. city

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.

Cadillac XT5 Insurance Rates by Model Year
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

Rates by Driver Age

Cadillac XT5 Insurance 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

Cadillac XT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,976
$250 $1,776
$500 $1,548
$1,000 $1,332

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT5 Insurance Rates with Different Liability Limits
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

Cadillac XT5 Insurance 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.

SR-22 Surcharge $221

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
Rate after discounts $875

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

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