Cadillac SRX Insurance Rates

What is a Cadillac SRX? It is a luxury midsize crossover SUV. The Cadillac SRX insurance rates cost $126 per month or $1,510 annually. But what factors determine assurance on a Cadillac SRX? 

Perhaps you’re wondering will the number of miles I drive per year affect my rate? Or maybe you’re asking will where I live affect my insurance rate? Both will impact your Cadillac SRX insurance prices. Read our comprehensive guide to see how insurance companies use many variables when calculating cheap car insurance premiums. 

How can you easily compare rates between different providers for your 2015 Cadillac SRX or your Cadillac SRX 2010? Just enter your five-digit ZIP code into our FREE quote comparison tool to get started.

U.S. average insurance rates for a Cadillac SRX are $1,286 a year including full coverage. Comprehensive insurance costs approximately $242, collision insurance costs $426, and liability costs $460. Liability-only insurance costs as little as $510 a year, and high-risk driver insurance costs $2,790 or more. 16-year-old drivers pay the highest rates at up to $4,956 a year.

Average premium for full coverage: $1,286

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different SRX trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location, instead of using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Cadillac SRX insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $749
• Drivers who choose higher $1,000 deductibles will pay $152 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,286
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $296 every year
• Higher-risk drivers with multiple tickets or accidents could pay around $2,790
• The price that insures a teen driver with full coverage can cost $4,956 a year

View Chart as Image

Car insurance prices for a Cadillac SRX are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

The state you live in makes a big difference in Cadillac SRX insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $450 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheaper Cadillac SRX Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having a positive credit history, being claim-free, and attention to physical damage deductibles. Comparison shop at every other renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a condensed summary of the concepts that were covered in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents will likely pay on average $1,500 more per year for car insurance
• Teenagers pay the highest auto insurance prices, possibly costing $413 a month if full coverage is purchased
• You may be able to save around $150 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $450 each year
• You may be able to save around $150 per year just by shopping early and online

We’ve answered questions about how much does it cost to insure a Cadillac SRX on average. Now you can answer for yourself the question of is the Cadillac SRX a good car for you? 

More goes into car insurance rates than simply car models. To those asking, will my age affect my insurance rate? The answer is yes. At what age will my rates go down? Usually, once you turn twenty-six your rates decrease substantially.

Regardless of your age, secure the cheapest insurance rates after you purchase your new or used Cadillac SRX by entering your ZIP code into our FREE quote comparison tool below.

What are the safety ratings for the Cadillac SRX?

Understanding the Cadillac SRX safety ratings will help you see where you save money on car insurance and what might cost you more. 

For example, have you ever wondered do they still make Cadillac SRX? The 2016 Cadillac SRX was the last model they produced of this vehicle. 

Why was Cadillac SRX discontinued? Looking at the Cadillac SRX history, despite being a popular model, it was replaced in 2017 by the XT5. 

While there is no Cadillac SRX 2019 model, maybe you’re wondering, will I get a lower rate if I buy a used Cadillac SRX? It depends on the year of the model you purchase. Looking at the Cadillac SRX reviews, there was a safety recall on some of the 2010 models.

See the 2016 Cadillac SRX safety ratings below.

• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The rating of Good is the best score given by the Insurance Insitute for Highway Safety. These outcomes definitely help lower your car insurance rates.

Are there different insurance rates for the different trims? There are different Cadillac SRX trims available, fortunately, they do not impact the safety ratings, so your rates will be unaffected. 

The astute car shopper might think, what safety features can I get on a Cadillac SRX to save money on my insurance? Anti-theft devices, factory airbags, and antilock brakes help you qualify for discounts.

Cadillac SRX Compared Against other Vehicles in the Same Class

Is it more expensive to insure a Cadillac SRX than other vehicles? One way to answer this is by looking at how does the Cadillac SRX differ from other vehicles in the same class. Officially, the Insurance Institute for Highway Safety labels the Cadillac SRX as a midsize luxury SUV.

Comparing your vehicle’s insurance loss ratios to other similar models can help you save on car insurance. See how similar luxury midsize SUVs compare below. 

• BMW X3
• Infiniti QX60
• Mercedes-Benz GLC 300

The Cadillac SRX has average levels of insurance loss ratios in all categories, from the -13 percent for bodily injury loss to the one percent for collision loss. That’s good news for your insurance rates.

However, when calculating rates, insurance companies will also ask is a Cadillac SRX viewed as a high-risk vehicle, and are Cadillac SRXs expensive to repair? Because this is a discontinued luxury vehicle, it is costly to fix and does increase your premiums. 

Before you ask, will I pay more if I opt for the sport package, know that some of those parts are more expensive to replace. However, if you’re wondering will the color of my Cadillac SRX affect my rate, that is just a myth.

However, there are factors separate from your vehicle’s make and model that impact your rates. For example, to those wondering will my driving record affect my insurance rate, or will my credit rating affect my insurance rate, the answer is yes. 

You’re now an expert on Cadillac SRX insurance rates. Stop asking, should I compare rates, and start shopping. Immediately secure the lowest assurance on a Cadillac SRX by entering your ZIP code into our FREE quote comparison tool.