Cadillac SRX Insurance Rates

What is a Cadillac SRX? It is a luxury midsize crossover SUV. The Cadillac SRX insurance rates cost $126 per month or $1,510 annually. But what factors determine assurance on a Cadillac SRX? 

Perhaps you’re wondering will the number of miles I drive per year affect my rate? Or maybe you’re asking will where I live affect my insurance rate? Both will impact your Cadillac SRX insurance prices. Read our comprehensive guide to see how insurance companies use many variables when calculating cheap car insurance premiums. 

How can you easily compare rates between different providers for your 2015 Cadillac SRX or your Cadillac SRX 2010? Just enter your five-digit ZIP code into our FREE quote comparison tool to get started.

Average insurance prices for a Cadillac SRX are $1,286 every 12 months for full coverage. Comprehensive insurance costs on average $242, collision insurance costs $426, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs $2,790 or more. 16-year-old drivers receive the highest rates at up to $4,956 a year.

Average premium for full coverage: $1,286

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all SRX models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities. The example below illustrates how your location can change car insurance rates.

These examples show why everyone should get quotes based on a specific location and their own driving history, instead of using rate averages.

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

Rates by State, City, and Model

The chart below shows average Cadillac SRX insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $749
• Choosing higher $1,000 deductibles can save around $152 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,286
• Buying pricier low deductibles for comp and collision coverage costs an extra $296 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,790
• The cost to insure a teen driver for full coverage may cost $4,956 each year

View Chart as Image

Car insurance rates for a Cadillac SRX can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your SRX.

Opting for high physical damage deductibles can save as much as $450 every year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Cadillac SRX insurance for high-risk drivers ranges as much as 42% to 130% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Cadillac SRX insurance prices. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheap Cadillac SRX Insurance

Saving money on car insurance takes avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to shop around every couple of years by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the material that was illustrated above.

• Policyholders who require higher liability limits will pay around $510 each year to raise limits from a minimum limit to a 250/500 level
• Teenagers are expensive to insure, costing as high as $413 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,500 more each year for car insurance
• Increasing deductibles could save as much as $450 each year

We’ve answered questions about how much does it cost to insure a Cadillac SRX on average. Now you can answer for yourself the question of is the Cadillac SRX a good car for you? 

More goes into car insurance rates than simply car models. To those asking, will my age affect my insurance rate? The answer is yes. At what age will my rates go down? Usually, once you turn twenty-six your rates decrease substantially.

Regardless of your age, secure the cheapest insurance rates after you purchase your new or used Cadillac SRX by entering your ZIP code into our FREE quote comparison tool below.

What are the safety ratings for the Cadillac SRX?

Understanding the Cadillac SRX safety ratings will help you see where you save money on car insurance and what might cost you more. 

For example, have you ever wondered do they still make Cadillac SRX? The 2016 Cadillac SRX was the last model they produced of this vehicle. 

Why was Cadillac SRX discontinued? Looking at the Cadillac SRX history, despite being a popular model, it was replaced in 2017 by the XT5. 

While there is no Cadillac SRX 2019 model, maybe you’re wondering, will I get a lower rate if I buy a used Cadillac SRX? It depends on the year of the model you purchase. Looking at the Cadillac SRX reviews, there was a safety recall on some of the 2010 models.

See the 2016 Cadillac SRX safety ratings below.

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The rating of Good is the best score given by the Insurance Insitute for Highway Safety. These outcomes definitely help lower your car insurance rates.

Are there different insurance rates for the different trims? There are different Cadillac SRX trims available, fortunately, they do not impact the safety ratings, so your rates will be unaffected. 

The astute car shopper might think, what safety features can I get on a Cadillac SRX to save money on my insurance? Anti-theft devices, factory airbags, and antilock brakes help you qualify for discounts.

Cadillac SRX Compared Against other Vehicles in the Same Class

Is it more expensive to insure a Cadillac SRX than other vehicles? One way to answer this is by looking at how does the Cadillac SRX differ from other vehicles in the same class. Officially, the Insurance Institute for Highway Safety labels the Cadillac SRX as a midsize luxury SUV.

Comparing your vehicle’s insurance loss ratios to other similar models can help you save on car insurance. See how similar luxury midsize SUVs compare below. 

• BMW X3
• Infiniti QX60
• Mercedes-Benz GLC 300

The Cadillac SRX has average levels of insurance loss ratios in all categories, from the -13 percent for bodily injury loss to the one percent for collision loss. That’s good news for your insurance rates.

However, when calculating rates, insurance companies will also ask is a Cadillac SRX viewed as a high-risk vehicle, and are Cadillac SRXs expensive to repair? Because this is a discontinued luxury vehicle, it is costly to fix and does increase your premiums. 

Before you ask, will I pay more if I opt for the sport package, know that some of those parts are more expensive to replace. However, if you’re wondering will the color of my Cadillac SRX affect my rate, that is just a myth.

However, there are factors separate from your vehicle’s make and model that impact your rates. For example, to those wondering will my driving record affect my insurance rate, or will my credit rating affect my insurance rate, the answer is yes. 

You’re now an expert on Cadillac SRX insurance rates. Stop asking, should I compare rates, and start shopping. Immediately secure the lowest assurance on a Cadillac SRX by entering your ZIP code into our FREE quote comparison tool.