Cadillac XT6 Insurance Rates

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Cadillac XT6 are $1,320 annually for full coverage insurance. Comprehensive insurance costs approximately $326, collision insurance costs $592, and liability insurance costs $292. Buying just liability costs as little as $336 a year, and insurance for high-risk drivers costs $2,848 or more. Teens cost the most to insure at up to $4,678 a year.

Average premium for full coverage: $1,320

Policy rates by type of insurance:

Comprehensive $326
Collision $592
Liability $292

Prices include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different XT6 trim levels.

Price Range Variability

For the average driver, Cadillac XT6 insurance rates range from as cheap as $336 for just liability coverage to a much higher rate of $2,848 for high-risk insurance.

Liability Only $336
Full Coverage $1,320
High Risk $2,848

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

The examples above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, 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.

Detailed Rate Analysis

The chart below illustrates average Cadillac XT6 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $739
  • Drivers who choose higher $1,000 deductibles will pay $208 each year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,320
  • Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $404 a year
  • High risk drivers with serious driving violations could pay around $2,848
  • Policy cost with full coverage for a teen driver with full coverage can cost $4,678 a year

View Chart as Image

Cadillac XT6 insurance cost comparison chart
Column chart showing Cadillac XT6 insurance prices range from $739 to $4,678 for full coverage

Insurance rates for a Cadillac XT6 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $620 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $263 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Cadillac XT6 insurance rates. A 40-year-old driver could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,780 on average in Florida, New York, and Michigan.

Cadillac XT6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$128 -9.7%
Alaska $1,012 -$308 -23.3%
Arizona $1,094 -$226 -17.1%
Arkansas $1,320 -$0 0.0%
California $1,502 $182 13.8%
Colorado $1,256 -$64 -4.8%
Connecticut $1,354 $34 2.6%
Delaware $1,492 $172 13.0%
Florida $1,646 $326 24.7%
Georgia $1,218 -$102 -7.7%
Hawaii $948 -$372 -28.2%
Idaho $892 -$428 -32.4%
Illinois $982 -$338 -25.6%
Indiana $994 -$326 -24.7%
Iowa $892 -$428 -32.4%
Kansas $1,254 -$66 -5.0%
Kentucky $1,796 $476 36.1%
Louisiana $1,952 $632 47.9%
Maine $810 -$510 -38.6%
Maryland $1,086 -$234 -17.7%
Massachusetts $1,052 -$268 -20.3%
Michigan $2,292 $972 73.6%
Minnesota $1,104 -$216 -16.4%
Mississippi $1,580 $260 19.7%
Missouri $1,170 -$150 -11.4%
Montana $1,418 $98 7.4%
Nebraska $1,038 -$282 -21.4%
Nevada $1,582 $262 19.8%
New Hampshire $950 -$370 -28.0%
New Jersey $1,472 $152 11.5%
New Mexico $1,166 -$154 -11.7%
New York $1,388 $68 5.2%
North Carolina $758 -$562 -42.6%
North Dakota $1,078 -$242 -18.3%
Ohio $910 -$410 -31.1%
Oklahoma $1,352 $32 2.4%
Oregon $1,210 -$110 -8.3%
Pennsylvania $1,256 -$64 -4.8%
Rhode Island $1,758 $438 33.2%
South Carolina $1,194 -$126 -9.5%
South Dakota $1,112 -$208 -15.8%
Tennessee $1,154 -$166 -12.6%
Texas $1,588 $268 20.3%
Utah $976 -$344 -26.1%
Vermont $900 -$420 -31.8%
Virginia $792 -$528 -40.0%
Washington $1,018 -$302 -22.9%
West Virginia $1,210 -$110 -8.3%
Wisconsin $914 -$406 -30.8%
Wyoming $1,172 -$148 -11.2%

View Chart as Image

Cadillac XT6 insurance rates by U.S. city
Cadillac XT6 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Cadillac XT6 $370 $656 $264 $1,400
2023 Cadillac XT6 $356 $640 $274 $1,380
2022 Cadillac XT6 $344 $612 $284 $1,350
2021 Cadillac XT6 $326 $592 $292 $1,320
2020 Cadillac XT6 $312 $548 $298 $1,268

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 Buy the Right Cadillac XT6 Insurance

Finding cheaper rates on Cadillac XT6 insurance not only requires not taking risks behind the wheel, but also having a good credit history, being claim-free, and possibly raising deductibles. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a quick rundown of the material that was touched on above.

  • Drivers who purchase higher liability limits will pay approximately $320 annually to go from a 30/60 limit to higher 250/500 limits
  • Teens are expensive to insure, possibly costing $390 each month including comprehensive and collision insurance
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,530 more per year for XT6 insurance
  • Increasing comprehensive and collision deductibles could save up to $600 each year

Rates by Driver Age

Cadillac XT6 Insurance Rates by Driver Age
Driver Age Premium
16 $4,678
20 $3,022
30 $1,394
40 $1,320
50 $1,202
60 $1,178

Full coverage, $500 deductibles

Rates by Deductible

Cadillac XT6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,724
$250 $1,536
$500 $1,320
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT6 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,378
100/300 $1,451
250/500 $1,641
100 CSL $1,408
300 CSL $1,568
500 CSL $1,685

Full coverage, driver age 40

Rates for High Risk Drivers

Cadillac XT6 Insurance Rates for High Risk Drivers
Age Premium
16 $6,732
20 $4,814
30 $2,930
40 $2,848
50 $2,712
60 $2,690

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 $187

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $68
Homeowner $18
5-yr Accident Free $104
5-yr Claim Free $87
Paid in Full/EFT $66
Advance Quote $68
Online Quote $97
Total Discounts $581
Rate after discounts $739

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

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