Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2024
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U.S. average insurance prices for a Cadillac XT5 are $1,548 every 12 months including full coverage. Comprehensive insurance costs around $320, collision insurance costs $640, and liability costs around $430. A policy with just liability insurance costs as low as $486 a year, and coverage for high-risk drivers costs $3,374 or more. 16-year-old drivers pay the highest rates at up to $5,768 a year.
Average premium for full coverage: $1,548
Price estimates for individual coverage:
Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different XT5 trim levels.
Price Range from Low to High
For the normal driver, Cadillac XT5 insurance prices range from the cheapest price of $486 for just liability insurance to a much higher rate of $3,374 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using 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.
More Rate Details
The chart below breaks down average Cadillac XT5 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $875
- Using higher $1,000 deductibles will save about $216 every year
- The average price for the average middle-age driver using $500 deductibles is $1,548
- Buying more expensive low deductibles for physical damage coverage costs an extra $428 every year
- Drivers with multiple tickets or accidents could pay at least $3,374
- The price to insure a teen driver with full coverage can be $5,768 or more
Insurance prices for a Cadillac XT5 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could cut prices by as much as $650 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 137% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac XT5 insurance prices. A driver around age 40 might see prices as low as $1,190 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,210 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,400 | -$148 | -9.6% |
| Alaska | $1,190 | -$358 | -23.1% |
| Arizona | $1,286 | -$262 | -16.9% |
| Arkansas | $1,548 | -$0 | 0.0% |
| California | $1,766 | $218 | 14.1% |
| Colorado | $1,480 | -$68 | -4.4% |
| Connecticut | $1,594 | $46 | 3.0% |
| Delaware | $1,754 | $206 | 13.3% |
| Florida | $1,938 | $390 | 25.2% |
| Georgia | $1,430 | -$118 | -7.6% |
| Hawaii | $1,112 | -$436 | -28.2% |
| Idaho | $1,048 | -$500 | -32.3% |
| Illinois | $1,156 | -$392 | -25.3% |
| Indiana | $1,168 | -$380 | -24.5% |
| Iowa | $1,044 | -$504 | -32.6% |
| Kansas | $1,472 | -$76 | -4.9% |
| Kentucky | $2,114 | $566 | 36.6% |
| Louisiana | $2,294 | $746 | 48.2% |
| Maine | $956 | -$592 | -38.2% |
| Maryland | $1,276 | -$272 | -17.6% |
| Massachusetts | $1,240 | -$308 | -19.9% |
| Michigan | $2,692 | $1,144 | 73.9% |
| Minnesota | $1,296 | -$252 | -16.3% |
| Mississippi | $1,856 | $308 | 19.9% |
| Missouri | $1,374 | -$174 | -11.2% |
| Montana | $1,664 | $116 | 7.5% |
| Nebraska | $1,220 | -$328 | -21.2% |
| Nevada | $1,856 | $308 | 19.9% |
| New Hampshire | $1,118 | -$430 | -27.8% |
| New Jersey | $1,732 | $184 | 11.9% |
| New Mexico | $1,372 | -$176 | -11.4% |
| New York | $1,632 | $84 | 5.4% |
| North Carolina | $892 | -$656 | -42.4% |
| North Dakota | $1,268 | -$280 | -18.1% |
| Ohio | $1,070 | -$478 | -30.9% |
| Oklahoma | $1,592 | $44 | 2.8% |
| Oregon | $1,420 | -$128 | -8.3% |
| Pennsylvania | $1,478 | -$70 | -4.5% |
| Rhode Island | $2,066 | $518 | 33.5% |
| South Carolina | $1,402 | -$146 | -9.4% |
| South Dakota | $1,306 | -$242 | -15.6% |
| Tennessee | $1,356 | -$192 | -12.4% |
| Texas | $1,868 | $320 | 20.7% |
| Utah | $1,148 | -$400 | -25.8% |
| Vermont | $1,062 | -$486 | -31.4% |
| Virginia | $928 | -$620 | -40.1% |
| Washington | $1,198 | -$350 | -22.6% |
| West Virginia | $1,420 | -$128 | -8.3% |
| Wisconsin | $1,074 | -$474 | -30.6% |
| Wyoming | $1,380 | -$168 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT5 | $376 | $718 | $372 | $1,624 |
| 2023 Cadillac XT5 | $358 | $690 | $390 | $1,596 |
| 2022 Cadillac XT5 | $344 | $686 | $398 | $1,586 |
| 2021 Cadillac XT5 | $332 | $668 | $416 | $1,574 |
| 2020 Cadillac XT5 | $320 | $640 | $430 | $1,548 |
| 2019 Cadillac XT5 | $304 | $618 | $442 | $1,522 |
| 2018 Cadillac XT5 | $292 | $574 | $452 | $1,476 |
| 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 Shop for Low Cost Cadillac XT5 Insurance
Getting lower rates on car insurance requires being a safe and courteous driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a review of the data presented in the illustrations above.
- Policyholders who may need higher levels of liability will pay around $470 per year to increase from a low limit to a 250/500 level
- You may be able to save up to $190 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $650 each year
- Teenage drivers pay higher prices, possibly costing $481 a month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,768 |
| 20 | $3,604 |
| 30 | $1,618 |
| 40 | $1,548 |
| 50 | $1,416 |
| 60 | $1,388 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,976 |
| $250 | $1,776 |
| $500 | $1,548 |
| $1,000 | $1,332 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,548 |
| 50/100 | $1,634 |
| 100/300 | $1,742 |
| 250/500 | $2,021 |
| 100 CSL | $1,677 |
| 300 CSL | $1,914 |
| 500 CSL | $2,086 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,252 |
| 20 | $5,742 |
| 30 | $3,454 |
| 40 | $3,374 |
| 50 | $3,222 |
| 60 | $3,194 |
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 | $83 |
| Multi-vehicle | $82 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $111 |
| Total Discounts | $673 |
Discounts are estimated and may not be available from every company or in every state.
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