Cadillac XT5 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 6, 2024
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Estimated insurance prices for a Cadillac XT5 are $1,476 every 12 months for full coverage insurance. Comprehensive insurance costs on average $292 a year, collision insurance costs $574, and liability is estimated at $452. A policy with only liability insurance costs approximately $504 a year, and a high-risk policy costs $3,212 or more. Teens pay the most at up to $5,564 a year.
Average premium for full coverage: $1,476
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and XT5 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Cadillac XT5 range from the cheapest price of $504 for a discount liability-only rate to a high of $3,212 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why it is important to get quotes based on a specific location and their own driving history, instead of using 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 XT5 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $841
- Choosing higher $1,000 deductibles can save around $1,280 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,476
- Selecting low $100 deductibles for comp and collision coverage costs an extra $384 every year
- Unlucky drivers with serious driving violations could pay upwards of $3,212
- An auto insurance policy to insure a teen driver may cost $5,564 each year
Car insurance prices for a Cadillac XT5 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your XT5.
Choosing higher comprehensive and collision insurance deductibles can save as much as $580 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 136% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Cadillac XT5 insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,990 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,334 | -$142 | -9.6% |
| Alaska | $1,132 | -$344 | -23.3% |
| Arizona | $1,224 | -$252 | -17.1% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,680 | $204 | 13.8% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,518 | $42 | 2.8% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,846 | $370 | 25.1% |
| Georgia | $1,362 | -$114 | -7.7% |
| Hawaii | $1,060 | -$416 | -28.2% |
| Idaho | $998 | -$478 | -32.4% |
| Illinois | $1,100 | -$376 | -25.5% |
| Indiana | $1,110 | -$366 | -24.8% |
| Iowa | $996 | -$480 | -32.5% |
| Kansas | $1,402 | -$74 | -5.0% |
| Kentucky | $2,012 | $536 | 36.3% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $910 | -$566 | -38.3% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,180 | -$296 | -20.1% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,768 | $292 | 19.8% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,584 | $108 | 7.3% |
| Nebraska | $1,164 | -$312 | -21.1% |
| Nevada | $1,770 | $294 | 19.9% |
| New Hampshire | $1,064 | -$412 | -27.9% |
| New Jersey | $1,650 | $174 | 11.8% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,554 | $78 | 5.3% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,020 | -$456 | -30.9% |
| Oklahoma | $1,514 | $38 | 2.6% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,970 | $494 | 33.5% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,292 | -$184 | -12.5% |
| Texas | $1,780 | $304 | 20.6% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $882 | -$594 | -40.2% |
| Washington | $1,140 | -$336 | -22.8% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,314 | -$162 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2023 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2022 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2021 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2020 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 2019 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
| 2018 Cadillac XT5 | $268 | $484 | $460 | $1,370 |
| 2017 Cadillac XT5 | $250 | $446 | $460 | $1,314 |
Rates are averaged for all Cadillac XT5 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Cadillac XT5 Insurance
Finding better rates on car insurance takes having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting rates from direct insurance companies, and also from several local insurance agents.
The following items are a quick review of the concepts that were raised in the charts and tables above.
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,740 more each year than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $464 per month if the policy includes full coverage
- It is possible to save as much as $180 per year just by quoting early and online
- Increasing policy deductibles could save as much as $575 each year
- It is possible to save as much as $180 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,564 |
| 20 | $3,430 |
| 30 | $1,536 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,860 |
| $250 | $1,680 |
| $500 | $1,476 |
| $1,000 | $1,280 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 50/100 | $1,566 |
| 100/300 | $1,679 |
| 250/500 | $1,973 |
| 100 CSL | $1,612 |
| 300 CSL | $1,860 |
| 500 CSL | $2,041 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,950 |
| 20 | $5,468 |
| 30 | $3,280 |
| 40 | $3,212 |
| 50 | $3,070 |
| 60 | $3,042 |
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 | $79 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $68 |
| Advance Quote | $74 |
| Online Quote | $105 |
| Total Discounts | $635 |
Discounts are estimated and may not be available from every company or in every state.
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