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.

Average insurance rates for a Cadillac SRX are $1,340 a year for full coverage. Comprehensive insurance costs around $258 a year, collision costs $464, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,908 or more. Teens receive the highest rates at $5,128 a year or more.

Average premium for full coverage: $1,340

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and SRX trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance rates.

These examples show why it is important to get quotes for a specific zip code, instead of using averaged prices.

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

Rate Comparisons

The chart below shows estimated Cadillac SRX insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $774
• Choosing higher $1,000 deductibles can save about $1,176 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,340
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $318 every year
• Unlucky drivers with serious driving violations could pay at least $2,908 or more
• The cost that insures a teen driver can be $5,128 each year

View Chart as Image

Car insurance rates for a Cadillac SRX can also vary considerably based on the trim level of your SRX, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Cadillac SRX insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,910 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $490 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes can be significantly different.

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 the Right Cadillac SRX Insurance

Saving money on car insurance takes avoiding accidents and claims, having a positive credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Compare rates at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the primary concepts that were covered in the charts and tables above.

• Drivers can save up to $160 per year simply by quoting early and online
• Higher risk drivers with reckless driving or DUI convictions pay on average $1,570 more every year to insure a Cadillac SRX
• Increasing deductibles can save approximately $475 each year
• Drivers under the age of 20 are the costliest to insure, costing as high as $427 per month if full coverage is purchased

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.