Cadillac XT5 Insurance Rates
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Michelle Robbins
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UPDATED: Jun 6, 2024
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The average auto insurance rates for a Cadillac XT5 are $1,522 annually including full coverage. Comprehensive costs around $304, collision insurance costs $618, and liability insurance costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs around $3,322. Teens cost the most to insure at up to $5,716 a year.
Average premium for full coverage: $1,522
Policy rates for type of insurance:
These estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different XT5 trim levels.
Price Range Variability
For a 40-year-old driver, Cadillac XT5 insurance rates range from as cheap as $496 for a discount liability-only rate to a much higher rate of $3,322 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying 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 breaks down average Cadillac XT5 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $861
- Drivers who choose higher $1,000 deductibles will pay about $210 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,522
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost $1,932
- High risk drivers with serious driving violations could pay at least $3,322
- Policy cost with full coverage for a teen driver with full coverage can be $5,716 a year
Insurance rates for a Cadillac XT5 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $620 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Cadillac XT5 insurance rates. A 40-year-old driver could pay as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,170 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy Cheap Cadillac XT5 Insurance
Finding cheaper rates on Cadillac XT5 insurance not only requires being a safe and courteous driver, but also having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a brief summary of the coverage data illustrated above.
- You may be able to save up to $190 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Teenage drivers pay higher rates, with premiums being up to $476 each month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,800 more every year for auto insurance
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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