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: 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:

Comprehensive $304
Collision $618
Liability $442

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.

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

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.

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

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

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 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.

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

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.

Cadillac XT5 Insurance Rates by Model Year
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

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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