Cadillac XT6 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Average insurance rates for a Cadillac XT6 are $1,350 a year for full coverage insurance. Comprehensive insurance costs approximately $344, collision costs $612, and liability insurance is $284. A liability-only policy costs around $328 a year, with high-risk insurance costing $2,910 or more. 16-year-old drivers receive the highest rates at $4,748 a year or more.
Average premium for full coverage: $1,350
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different XT6 trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $328 for just liability insurance to a much higher rate of $2,910 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, 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 Details
The chart below illustrates estimated Cadillac XT6 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $756
- Raising to $1,000 deductibles will save $216 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,350
- Buying more expensive low deductibles will cost an extra $424 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,910 or more
- The cost for full coverage for a teen driver with full coverage can cost $4,748
Insurance rates for a Cadillac XT6 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live also has a big influence on Cadillac XT6 insurance rates. A middle-age driver might find rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $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% |
Opting for high physical damage deductibles can reduce rates by up to $640 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $255 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different from one company to the next.
| 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 the Best Cheap Cadillac XT6 Insurance
Saving money on Cadillac XT6 insurance consists of being safe and accident-free, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below you'll find a quick review of the information touched on in this article.
- It is possible to save around $170 per year simply by shopping early and online
- Youthful drivers are expensive to insure, costing up to $396 per month for full coverage
- Increasing deductibles can save around $650 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,560 more per year than a low-risk driver
- Drivers who purchase more liability protection will pay around $310 annually to raise from a minimum limit to 250/500 limits
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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