Cadillac XT6 Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Cadillac XT6 are $1,350 a year with full coverage. Comprehensive insurance costs an estimated $344 a year, collision insurance costs $612, and liability insurance is $284. Buying just liability costs around $328 a year, and insurance for high-risk drivers costs $2,910 or more. 16-year-old drivers receive the highest rates at up to $4,748 a year.

Average premium for full coverage: $1,350

Rate estimates broken down by individual coverage type:

Comprehensive $344
Collision $612
Liability $284

Rates are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and XT6 trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as low as $328 for liability-only coverage to a high of $2,910 for a driver who requires high-risk insurance.

Liability Only $328
Full Coverage $1,350
High Risk $2,910

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities. The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,013
Small Cities $1,418
Large Cities $1,823

These examples demonstrate why it is important to compare rates quotes for a targeted area 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.

Additional Charts and Tables

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

  • The best full coverage rate is $756
  • Raising to $1,000 deductibles will save approximately $1,134 annually
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,350
  • Buying low $100 deductibles will cost an extra $424 a year
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,910
  • The cost for full coverage for a teen driver can cost as much as $4,748

View Chart as Image

Cadillac XT6 insurance cost comparison chart
Column chart showing Cadillac XT6 insurance prices range from $756 to $4,748 for full coverage

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

Older drivers with a good 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 will have to pay at least $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 $970 a year in states like Utah, Ohio, and New Hampshire, or at least $1,820 on average in New York, Michigan, and Florida.

Cadillac XT6 Insurance Rates by State
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%

View Chart as Image

Cadillac XT6 insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $640 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $255 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,600 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates

Cadillac XT6 Insurance Rates by Model Year
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 having a good driving record, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at every other renewal by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a quick review of the concepts that were covered in the above illustrations.

  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,560 more annually to buy Cadillac XT6 insurance
  • Drivers age 20 and younger are the costliest to insure, with premiums as much as $396 per month if they have full coverage
  • You may be able to save approximately $170 per year just by quoting early and online
  • Increasing deductibles can save around $650 each year
  • You may be able to save approximately $170 per year just by quoting early and online

Rates by Driver Age

Cadillac XT6 Insurance 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

Cadillac XT6 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,774
$250 $1,578
$500 $1,350
$1,000 $1,134

Full coverage, driver age 40

Rates by Liability Limit

Cadillac XT6 Insurance Rates with Different Liability Limits
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

Cadillac XT6 Insurance 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.

SR-22 Surcharge $190

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
Rate after discounts $756

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

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