Cadillac XT6 Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Cadillac XT6 are $1,320 a year including full coverage. Comprehensive costs an estimated $326 each year, collision insurance costs $592, and liability costs $292. A liability-only policy costs as little as $336 a year, and high-risk insurance costs around $2,848. Teen drivers cost the most to insure at up to $4,678 a year.
Average premium for full coverage: $1,320
Policy rates broken down by type of insurance:
Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and XT6 models.
Price Range Variability
For a driver around age 40, Cadillac XT6 insurance rates range from as low as $336 for just liability coverage to a high rate of $2,848 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.
The examples above highlight why all drivers should compare rates for a targeted area and risk profile, instead of using price 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.
Detailed Rate Analysis
The chart below breaks down average Cadillac XT6 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $739
- Drivers who choose higher $1,000 deductibles will pay approximately $208 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,320
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,724
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,848
- Policy cost for full coverage for a teen driver can cost as much as $4,678 a year
Car insurance rates for a Cadillac XT6 also range considerably based on your risk profile, the model of your XT6, and liability limits and deductibles.
More mature drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,600 a year. View Rates by Age
Your home state makes a big difference in Cadillac XT6 insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles could save up to $620 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $263 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 45% to 136% more than average. View High Risk Driver Rates
| 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 Find Low Cost Cadillac XT6 Insurance
Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a review of the primary concepts that were covered above.
- You may be able to save approximately $170 per year just by quoting online in advance
- Higher risk drivers who have several accidents or serious violations may pay on average $1,530 more annually than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $600 each year
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $390 each month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,724 |
| $250 | $1,536 |
| $500 | $1,320 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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