Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Cadillac XT6 are $1,350 a year for full coverage insurance. Comprehensive insurance costs approximately $344, collision insurance costs $612, and liability insurance costs around $284. A liability-only policy costs as low as $328 a year, and high-risk insurance costs $2,910 or more. Teenage drivers pay the most at up to $4,748 a year.
Average premium for full coverage: $1,350
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different XT6 trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Cadillac XT6 range from the low end price of $328 for minimum levels of liability insurance to a much higher rate of $2,910 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on average rates.
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 Details
The chart below illustrates average Cadillac XT6 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $756
- Using higher $1,000 deductibles will save $216 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,350
- Using more expensive low deductibles for physical damage coverage will cost an additional $424 a year
- Drivers who are prone to accidents and violations could pay around $2,910
- An auto insurance policy that insures a teen driver with full coverage can cost $4,748 or more
Auto insurance prices for a Cadillac XT6 also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age
Where you choose to live has a huge impact on Cadillac XT6 insurance rates. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,222 | -$128 | -9.5% |
| Alaska | $1,036 | -$314 | -23.3% |
| Arizona | $1,122 | -$228 | -16.9% |
| Arkansas | $1,350 | -$0 | 0.0% |
| California | $1,536 | $186 | 13.8% |
| Colorado | $1,288 | -$62 | -4.6% |
| Connecticut | $1,388 | $38 | 2.8% |
| Delaware | $1,528 | $178 | 13.2% |
| Florida | $1,686 | $336 | 24.9% |
| Georgia | $1,248 | -$102 | -7.6% |
| Hawaii | $972 | -$378 | -28.0% |
| Idaho | $916 | -$434 | -32.1% |
| Illinois | $1,006 | -$344 | -25.5% |
| Indiana | $1,018 | -$332 | -24.6% |
| Iowa | $912 | -$438 | -32.4% |
| Kansas | $1,282 | -$68 | -5.0% |
| Kentucky | $1,840 | $490 | 36.3% |
| Louisiana | $2,000 | $650 | 48.1% |
| Maine | $830 | -$520 | -38.5% |
| Maryland | $1,114 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$272 | -20.1% |
| Michigan | $2,344 | $994 | 73.6% |
| Minnesota | $1,132 | -$218 | -16.1% |
| Mississippi | $1,618 | $268 | 19.9% |
| Missouri | $1,198 | -$152 | -11.3% |
| Montana | $1,450 | $100 | 7.4% |
| Nebraska | $1,064 | -$286 | -21.2% |
| Nevada | $1,618 | $268 | 19.9% |
| New Hampshire | $974 | -$376 | -27.9% |
| New Jersey | $1,506 | $156 | 11.6% |
| New Mexico | $1,192 | -$158 | -11.7% |
| New York | $1,422 | $72 | 5.3% |
| North Carolina | $776 | -$574 | -42.5% |
| North Dakota | $1,106 | -$244 | -18.1% |
| Ohio | $932 | -$418 | -31.0% |
| Oklahoma | $1,384 | $34 | 2.5% |
| Oregon | $1,240 | -$110 | -8.1% |
| Pennsylvania | $1,286 | -$64 | -4.7% |
| Rhode Island | $1,802 | $452 | 33.5% |
| South Carolina | $1,224 | -$126 | -9.3% |
| South Dakota | $1,140 | -$210 | -15.6% |
| Tennessee | $1,182 | -$168 | -12.4% |
| Texas | $1,626 | $276 | 20.4% |
| Utah | $1,000 | -$350 | -25.9% |
| Vermont | $922 | -$428 | -31.7% |
| Virginia | $810 | -$540 | -40.0% |
| Washington | $1,042 | -$308 | -22.8% |
| West Virginia | $1,240 | -$110 | -8.1% |
| Wisconsin | $934 | -$416 | -30.8% |
| Wyoming | $1,200 | -$150 | -11.1% |
Using high physical damage deductibles could cut prices by as much as $640 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $255 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT6 | $384 | $660 | $258 | $1,412 |
| 2023 Cadillac XT6 | $370 | $656 | $264 | $1,400 |
| 2022 Cadillac XT6 | $356 | $640 | $274 | $1,380 |
| 2021 Cadillac XT6 | $344 | $612 | $284 | $1,350 |
| 2020 Cadillac XT6 | $326 | $592 | $292 | $1,320 |
Rates are averaged for all Cadillac XT6 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 Affordable Cadillac XT6 Insurance
Finding better rates on Cadillac XT6 insurance requires being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The following list is a brief review of the ideas that were touched on in this article.
- Drivers age 16 to 20 have the highest car insurance prices, with premiums being up to $396 per month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,560 more per year than a safer driver
- Increasing policy deductibles can save approximately $650 each year
- It is possible to save around $170 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,748 |
| 20 | $3,086 |
| 30 | $1,428 |
| 40 | $1,350 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,774 |
| $250 | $1,578 |
| $500 | $1,350 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,350 |
| 50/100 | $1,407 |
| 100/300 | $1,478 |
| 250/500 | $1,662 |
| 100 CSL | $1,435 |
| 300 CSL | $1,591 |
| 500 CSL | $1,705 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,838 |
| 20 | $4,914 |
| 30 | $2,996 |
| 40 | $2,910 |
| 50 | $2,774 |
| 60 | $2,748 |
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 | $74 |
| Multi-vehicle | $69 |
| Homeowner | $18 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $68 |
| Advance Quote | $70 |
| Online Quote | $99 |
| Total Discounts | $594 |
Discounts are estimated and may not be available from every company or in every state.
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