Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Cadillac XT5 are $1,522 a year including full coverage. Comprehensive costs an estimated $304, collision costs $618, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $3,322. 16-year-old drivers cost the most to insure at $5,716 a year or more.
Average premium for full coverage: $1,522
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different XT5 trim levels.
Price Range Variability
For a driver around age 40, Cadillac XT5 insurance rates go from the low end price of $496 for your basic liability-only policy to a much higher rate of $3,322 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.
The price range example below illustrates the difference between rural and urban areas on insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on 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.
More Rate Information
The chart below breaks down estimated Cadillac XT5 insurance rates for other coverage scenarios.
- The best full coverage rate is $861
- Raising to $1,000 deductibles will save approximately $210 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,522
- Buying more expensive low deductibles bumps up the cost to $1,932
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,322 or more
- Policy cost that insures a teen driver with full coverage can cost as much as $5,716
Insurance rates for a Cadillac XT5 also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,800 to $2,500 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,700 a year. View Rates by Age
Your home state also has a big influence on Cadillac XT5 insurance rates. A middle-age driver might find rates as low as $1,170 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,170 on average in Louisiana, New York, and Michigan.
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% |
Opting for high physical damage deductibles can reduce rates by up to $620 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2019 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
2017 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
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 the Best Cadillac XT5 Insurance
Finding cheaper rates on Cadillac XT5 insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a brief recap of the ideas that were covered above.
- Youthful drivers are expensive to insure, with premiums being up to $476 each month if comprehensive and collision insurance is included
- High-risk drivers who tend to receive serious violations could be charged and average of $1,800 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles can save approximately $625 each year
- You may be able to save approximately $190 per year simply by shopping early and online
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,932 |
$250 | $1,740 |
$500 | $1,522 |
$1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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