Cadillac XT5 Insurance Rates

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UPDATED: Jun 6, 2024

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The average insurance rates for a Cadillac XT5 are $1,522 a year for full coverage insurance. Comprehensive costs approximately $304 each year, collision costs $618, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $3,322. Teens cost the most to insure at $5,716 a year or more.

Average premium for full coverage: $1,522

Policy rates by type of insurance:

Comprehensive $304
Collision $618
Liability $442

Estimates include $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and XT5 models.

Price Range Variability

For the average 40-year-old driver, Cadillac XT5 insurance rates go from the low end price of $496 for just the minimum liability insurance to a high rate of $3,322 for a policy for a high-risk driver.

Liability Only $496
Full Coverage $1,522
High Risk $3,322

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,142
Small Cities $1,598
Large Cities $2,055

The examples above illustrate why all drivers should compare rates using their specific location, rather than relying on averaged prices.

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 Rate Analysis

The chart below illustrates estimated Cadillac XT5 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $861
  • Drivers who choose higher $1,000 deductibles will pay $210 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,522
  • Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,932
  • High risk drivers with serious driving violations could pay around $3,322 or more
  • Policy cost that insures a teen driver can cost $5,716 a year

View Chart as Image

Cadillac XT5 insurance cost comparison chart
Column chart showing full coverage Cadillac XT5 insurance rates range from $861 to $5,716

Insurance rates for a Cadillac XT5 also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,700 a year. View Rates by Age

Your home state makes a big difference in Cadillac XT5 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,060 on average in Florida, New York, and Michigan.

Cadillac XT5 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,376 -$146 -9.6%
Alaska $1,168 -$354 -23.3%
Arizona $1,266 -$256 -16.8%
Arkansas $1,522 -$0 0.0%
California $1,734 $212 13.9%
Colorado $1,454 -$68 -4.5%
Connecticut $1,566 $44 2.9%
Delaware $1,724 $202 13.3%
Florida $1,904 $382 25.1%
Georgia $1,406 -$116 -7.6%
Hawaii $1,094 -$428 -28.1%
Idaho $1,030 -$492 -32.3%
Illinois $1,134 -$388 -25.5%
Indiana $1,146 -$376 -24.7%
Iowa $1,026 -$496 -32.6%
Kansas $1,448 -$74 -4.9%
Kentucky $2,078 $556 36.5%
Louisiana $2,256 $734 48.2%
Maine $940 -$582 -38.2%
Maryland $1,256 -$266 -17.5%
Massachusetts $1,218 -$304 -20.0%
Michigan $2,644 $1,122 73.7%
Minnesota $1,274 -$248 -16.3%
Mississippi $1,824 $302 19.8%
Missouri $1,350 -$172 -11.3%
Montana $1,636 $114 7.5%
Nebraska $1,202 -$320 -21.0%
Nevada $1,826 $304 20.0%
New Hampshire $1,096 -$426 -28.0%
New Jersey $1,702 $180 11.8%
New Mexico $1,348 -$174 -11.4%
New York $1,604 $82 5.4%
North Carolina $876 -$646 -42.4%
North Dakota $1,246 -$276 -18.1%
Ohio $1,052 -$470 -30.9%
Oklahoma $1,564 $42 2.8%
Oregon $1,394 -$128 -8.4%
Pennsylvania $1,454 -$68 -4.5%
Rhode Island $2,030 $508 33.4%
South Carolina $1,378 -$144 -9.5%
South Dakota $1,286 -$236 -15.5%
Tennessee $1,336 -$186 -12.2%
Texas $1,834 $312 20.5%
Utah $1,128 -$394 -25.9%
Vermont $1,042 -$480 -31.5%
Virginia $912 -$610 -40.1%
Washington $1,178 -$344 -22.6%
West Virginia $1,396 -$126 -8.3%
Wisconsin $1,054 -$468 -30.7%
Wyoming $1,356 -$166 -10.9%

View Chart as Image

Cadillac XT5 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $620 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so the rates will be varied.

Cadillac XT5 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac XT5 $358 $690 $390 $1,596
2023 Cadillac XT5 $344 $686 $398 $1,586
2022 Cadillac XT5 $332 $668 $416 $1,574
2021 Cadillac XT5 $320 $640 $430 $1,548
2020 Cadillac XT5 $304 $618 $442 $1,522
2019 Cadillac XT5 $292 $574 $452 $1,476
2018 Cadillac XT5 $280 $540 $456 $1,434
2017 Cadillac XT5 $268 $484 $460 $1,370

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 Low Cost Cadillac XT5 Insurance

Finding cheaper rates on Cadillac XT5 insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and maximizing policy discounts. Compare rates every year by getting quotes from direct insurance companies, and also from your local car insurance providers.

The following is a review of the coverage data touched on in this article.

  • It is possible to save around $190 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $625 each year
  • Teens are expensive to insure, possibly costing $476 each month if full coverage is included
  • High-risk drivers who have several accidents or serious violations could be charged and average of $1,800 more per year for XT5 insurance

Rates by Driver Age

Cadillac XT5 Insurance Rates by Driver Age
Driver Age Premium
16 $5,716
20 $3,548
30 $1,590
40 $1,522
50 $1,392
60 $1,366

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XT5 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,932
$250 $1,740
$500 $1,522
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT5 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,522
50/100 $1,610
100/300 $1,721
250/500 $2,008
100 CSL $1,655
300 CSL $1,898
500 CSL $2,075

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XT5 Insurance Rates for High Risk Drivers
Age Premium
16 $8,174
20 $5,658
30 $3,394
40 $3,322
50 $3,172
60 $3,146

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 $218

Potential Rate Discounts

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

Discount Savings
Multi-policy $82
Multi-vehicle $82
Homeowner $22
5-yr Accident Free $116
5-yr Claim Free $100
Paid in Full/EFT $72
Advance Quote $78
Online Quote $109
Total Discounts $661
Rate after discounts $861

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

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