Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2023
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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 costs $618, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $3,322. Teenage drivers cost the most to insure at $5,716 a year or more.
Average premium for full coverage: $1,522
Policy rates for type of insurance:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all XT5 models.
Price Range Variability
For the average driver, Cadillac XT5 insurance rates go from as cheap as $496 for just the minimum liability insurance to the much higher price of $3,322 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates how location impacts auto insurance rates.
The examples above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.
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 Analysis
The chart below breaks down estimated Cadillac XT5 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $861
- Using higher $1,000 deductibles will save about $210 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,522
- Using pricier low deductibles for physical damage coverage will cost $1,932
- Drivers who are prone to accidents and violations could pay at least $3,322 or more
- Policy cost with full coverage for a teen driver for full coverage can be $5,716 or more
Auto 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.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have 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 in extra premium every year, depending on your age. Cadillac XT5 insurance for high-risk drivers can be as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $620 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Cadillac XT5 insurance prices. A driver around age 40 might see rates as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $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% |
Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2017 Cadillac XT5 | $280 | $540 | $456 | $1,434 |
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 Low Cost Cadillac XT5 Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a review of the material that was touched on above.
- Policyholders who may need higher levels of liability will pay an extra $490 per year to increase from a 30/60 limit to higher 250/500 limits
- Teenage drivers are expensive to insure, with premiums being up to $476 each month if full coverage is included
- Higher risk drivers who have several accidents or serious violations may pay on average $1,800 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save up to $625 each year
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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