Cadillac XT6 Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Cadillac XT6 are $1,350 a year for full coverage insurance. Comprehensive costs approximately $344 each year, collision insurance costs $612, and liability is $284. A liability-only policy costs around $328 a year, and high-risk insurance costs around $2,910. Teens pay the most at up to $4,748 a year.

Average premium for full coverage: $1,350

Premium estimates by type of coverage:

Comprehensive $344
Collision $612
Liability $284

Prices include $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and XT6 models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Cadillac XT6 range from as low as $328 for a discount liability-only rate to a high rate of $2,910 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance prices.

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

These rate differences illustrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based 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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $756
  • Raising to $1,000 deductibles will save $216 each year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,350
  • Selecting low deductibles will increase the cost to $1,774
  • Drivers with serious driving violations could pay around $2,910
  • An auto insurance policy for full coverage for a 16-year-old driver can cost $4,748

View Chart as Image

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

Auto insurance prices for a Cadillac XT6 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Cadillac XT6 insurance prices. A middle-age driver might find prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,820 on average in Florida, New York, and Michigan.

Cadillac XT6 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,222 -$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

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $640 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $255 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than the average policy. 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 Right Cadillac XT6 Insurance

Finding better rates on insurance for a Cadillac XT6 consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the data that was raised in the charts and tables above.

  • It is possible to save around $170 per year just by quoting online in advance
  • Insureds who purchase higher levels of liability will pay approximately $310 annually to raise from 30/60 bodily injury limits to 250/500 limits
  • Teenage drivers have the highest car insurance prices, with premiums being up to $396 per month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,560 more per year for auto insurance

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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