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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Average insurance rates for a Cadillac XT5 are $1,522 a year for full coverage. Comprehensive insurance costs an estimated $304 each year, collision insurance costs $618, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $3,322 or more. 16-year-old drivers 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:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and XT5 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $496 for minimum levels of liability insurance to a high rate of $3,322 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than congested cities. The graphic below illustrates the difference location can make on insurance prices.
These examples show why all drivers should get quotes for a targeted area, 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 Rate Details
The chart below shows average Cadillac XT5 insurance rates for other coverage scenarios.
- The best full coverage rate is $861
- Choosing higher $1,000 deductibles can save approximately $210 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,522
- Buying low deductibles for comp and collision coverage will cost an additional $410 a year
- High-risk insureds with multiple tickets or accidents could pay up to $3,322
- The cost that insures a teen driver can cost as much as $5,716 each year
Car insurance rates for a Cadillac XT5 can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Cadillac XT5 insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like Iowa, Maine, and Idaho, or at least $2,170 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,376 | -$146 | -9.6% |
| Alaska | $1,168 | -$354 | -23.3% |
| Arizona | $1,266 | -$256 | -16.8% |
| Arkansas | $1,522 | -$0 | 0.0% |
| California | $1,734 | $212 | 13.9% |
| Colorado | $1,454 | -$68 | -4.5% |
| Connecticut | $1,566 | $44 | 2.9% |
| Delaware | $1,724 | $202 | 13.3% |
| Florida | $1,904 | $382 | 25.1% |
| Georgia | $1,406 | -$116 | -7.6% |
| Hawaii | $1,094 | -$428 | -28.1% |
| Idaho | $1,030 | -$492 | -32.3% |
| Illinois | $1,134 | -$388 | -25.5% |
| Indiana | $1,146 | -$376 | -24.7% |
| Iowa | $1,026 | -$496 | -32.6% |
| Kansas | $1,448 | -$74 | -4.9% |
| Kentucky | $2,078 | $556 | 36.5% |
| Louisiana | $2,256 | $734 | 48.2% |
| Maine | $940 | -$582 | -38.2% |
| Maryland | $1,256 | -$266 | -17.5% |
| Massachusetts | $1,218 | -$304 | -20.0% |
| Michigan | $2,644 | $1,122 | 73.7% |
| Minnesota | $1,274 | -$248 | -16.3% |
| Mississippi | $1,824 | $302 | 19.8% |
| Missouri | $1,350 | -$172 | -11.3% |
| Montana | $1,636 | $114 | 7.5% |
| Nebraska | $1,202 | -$320 | -21.0% |
| Nevada | $1,826 | $304 | 20.0% |
| New Hampshire | $1,096 | -$426 | -28.0% |
| New Jersey | $1,702 | $180 | 11.8% |
| New Mexico | $1,348 | -$174 | -11.4% |
| New York | $1,604 | $82 | 5.4% |
| North Carolina | $876 | -$646 | -42.4% |
| North Dakota | $1,246 | -$276 | -18.1% |
| Ohio | $1,052 | -$470 | -30.9% |
| Oklahoma | $1,564 | $42 | 2.8% |
| Oregon | $1,394 | -$128 | -8.4% |
| Pennsylvania | $1,454 | -$68 | -4.5% |
| Rhode Island | $2,030 | $508 | 33.4% |
| South Carolina | $1,378 | -$144 | -9.5% |
| South Dakota | $1,286 | -$236 | -15.5% |
| Tennessee | $1,336 | -$186 | -12.2% |
| Texas | $1,834 | $312 | 20.5% |
| Utah | $1,128 | -$394 | -25.9% |
| Vermont | $1,042 | -$480 | -31.5% |
| Virginia | $912 | -$610 | -40.1% |
| Washington | $1,178 | -$344 | -22.6% |
| West Virginia | $1,396 | -$126 | -8.3% |
| Wisconsin | $1,054 | -$468 | -30.7% |
| Wyoming | $1,356 | -$166 | -10.9% |
Opting for high physical damage deductibles can save as much as $620 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $358 | $690 | $390 | $1,596 |
| 2023 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2022 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2021 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2020 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2019 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 2018 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
| 2017 Cadillac XT5 | $268 | $484 | $460 | $1,370 |
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 Find Cheap Cadillac XT5 Insurance
Saving money on Cadillac XT5 insurance takes avoiding accidents and claims, having a positive credit history, eliminating unneeded coverage, and possibly higher deductibles. Comparison shop at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief summary of the concepts that were touched on in this article.
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,800 more annually to insure a Cadillac XT5
- Drivers under the age of 20 have the highest car insurance rates, costing as high as $476 per month if full coverage is purchased
- Drivers can save approximately $190 per year just by quoting online in advance
- Increasing deductibles can save approximately $625 each year
- Drivers can save approximately $190 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,716 |
| 20 | $3,548 |
| 30 | $1,590 |
| 40 | $1,522 |
| 50 | $1,392 |
| 60 | $1,366 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,932 |
| $250 | $1,740 |
| $500 | $1,522 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,522 |
| 50/100 | $1,610 |
| 100/300 | $1,721 |
| 250/500 | $2,008 |
| 100 CSL | $1,655 |
| 300 CSL | $1,898 |
| 500 CSL | $2,075 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,174 |
| 20 | $5,658 |
| 30 | $3,394 |
| 40 | $3,322 |
| 50 | $3,172 |
| 60 | $3,146 |
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 | $82 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $72 |
| Advance Quote | $78 |
| Online Quote | $109 |
| Total Discounts | $661 |
Discounts are estimated and may not be available from every company or in every state.
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