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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Estimated auto insurance rates for a Cadillac XT6 are $1,350 annually for full coverage. Comprehensive costs approximately $344, collision insurance costs $612, and liability is estimated at $284. Liability-only coverage costs approximately $328 a year, and high-risk coverage costs around $2,910. 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 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all XT6 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Cadillac XT6 range from as cheap as $328 for a discount liability-only rate to the much higher price of $2,910 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.
These rate differences show why everyone should get quotes using their specific location and their own personal driving habits, instead of making a decision based 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.
Rates by State, City, and Model
The chart below shows average Cadillac XT6 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $756
- Choosing higher $1,000 deductibles can save $216 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,350
- Using pricier low deductibles for comp and collision coverage will cost $1,774
- Higher-risk drivers who are prone to accidents and violations could pay around $2,910
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $4,748 each year
Insurance prices for a Cadillac XT6 also have a wide range based on the model of your XT6, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,100 extra annually, depending on your age. Cadillac XT6 insurance for high-risk drivers ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $640 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $255 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Cadillac XT6 insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,930 on average in New York, Louisiana, 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% |
| 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 Buy Affordable Cadillac XT6 Insurance
Finding better rates on insurance for a Cadillac XT6 takes having a good driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every other policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.
The next list is a brief review of the ideas that were presented in the illustrations above.
- Drivers age 20 and younger are expensive to insure, as much as $396 per month including comprehensive and collision insurance
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,560 more per year to buy Cadillac XT6 insurance
- Increasing policy deductibles could save up to $650 each year
- Drivers can save around $170 per year just by quoting online well ahead of the renewal date
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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