Cadillac XT5 Insurance Rates

Average insurance prices for a Cadillac XT5 are $1,522 every 12 months for full coverage. Comprehensive costs an estimated $304 each year, collision insurance costs $618, and liability insurance costs around $442. A policy with just liability insurance costs as low as $496 a year, and coverage for high-risk drivers costs around $3,322. Teens receive the highest rates at up to $5,716 a year.

Average premium for full coverage: $1,522

Rate estimates broken down by individual coverage type:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and XT5 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples show why all drivers should compare prices for a targeted area and their own driving history, rather than relying on averaged prices.

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

Rate Comparisons

The chart below shows average Cadillac XT5 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $861
• Using higher $1,000 deductibles will save approximately $210 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,522
• Selecting low deductibles for physical damage coverage increases the price to $1,932
• Drivers with serious driving violations could pay up to $3,322
• The cost to insure a teen driver can cost as much as $5,716 or more

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Insurance rates for a Cadillac XT5 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $620 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $5,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Cadillac XT5 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,170 on average in New York, Louisiana, and Michigan.

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How to Shop for Low Cost Cadillac XT5 Insurance

Saving money on Cadillac XT5 insurance requires being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a review of the primary concepts that were covered above.

• Drivers can save approximately $190 per year just by quoting online in advance
• High-risk drivers who have several accidents or serious violations pay on average $1,800 more annually for auto insurance
• Increasing deductibles could save as much as $625 each year
• Teenage drivers are expensive to insure, costing as high as $476 per month if full coverage is included