Cadillac XT6 Insurance Rates

The average auto insurance rates for a Cadillac XT6 are $1,350 annually for full coverage. Comprehensive costs an estimated $344, collision insurance costs $612, and liability coverage costs around $284. A liability-only policy costs as low as $328 a year, and high-risk insurance costs around $2,910. Teen drivers cost the most to insure at up to $4,748 a year.

Average premium for full coverage: $1,350

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all XT6 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.

The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Cadillac XT6 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $756
• Using higher $1,000 deductibles will save approximately $216 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,350
• Choosing pricier low deductibles for physical damage coverage will cost $1,774
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,910
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $4,748 or more

View Chart as Image

Car insurance rates for a Cadillac XT6 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,600 to $2,100 extra every year, depending on your age. Cadillac XT6 insurance for high-risk drivers can be around 44% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $640 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $255 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Cadillac XT6 insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,930 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy More Affordable Cadillac XT6 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the primary concepts that were covered in the above illustrations.

• Drivers can save approximately $170 per year just by quoting online well ahead of the renewal date
• Drivers who have multiple accidents or major violations may pay on average $1,560 more annually for car insurance
• Increasing comprehensive and collision deductibles could save up to $650 each year
• Teenagers have the highest car insurance rates, costing up to $396 each month if comprehensive and collision insurance is included