Cadillac XT5 Insurance Rates
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UPDATED: Jun 6, 2024
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Average insurance rates for a Cadillac XT5 are $1,548 a year for full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $640, and liability coverage is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs $3,374 or more. Teenage drivers receive the highest rates at up to $5,768 a year.
Average premium for full coverage: $1,548
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all XT5 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $486 for just liability coverage to the much higher price of $3,374 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.
These examples show why everyone should compare rates quotes using their specific location, rather than 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.
Detailed Rate Analysis
The chart below shows average Cadillac XT5 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $875
- Raising to $1,000 deductibles will save $216 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,548
- Using pricier low deductibles will cost an additional $428 each year
- Unlucky drivers who are prone to accidents and violations could pay around $3,374
- The cost that insures a teenage driver for full coverage can cost $5,768
Insurance rates for a Cadillac XT5 can also vary considerably based on the model of your XT5, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,900 to $2,500 additional per year, depending on your age. Cadillac XT5 insurance for high-risk drivers is expensive and can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age
Where you live also has a big influence on Cadillac XT5 insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,210 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles can reduce rates by up to $650 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit
| 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 Find Cheaper Cadillac XT5 Insurance
Saving money on auto insurance consists of having a good driving record, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a condensed summary of the material that was touched on in this article.
- Consumers who purchase increased levels of liability coverage will pay an extra $470 each year to raise from a minimum limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, costing as high as $481 per month if comprehensive and collision insurance is included
- Drivers with multiple at-fault accidents could be forced to pay on average $1,830 more per year to buy Cadillac XT5 insurance
- Increasing deductibles can save approximately $650 each year
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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