Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Cadillac XT6 are $1,380 every 12 months for full coverage insurance. Comprehensive insurance costs around $356, collision costs $640, and liability insurance costs around $274. Liability-only insurance costs as low as $322 a year, with high-risk driver insurance costing $2,978 or more. Teen drivers pay the highest rates at $4,828 a year or more.
Average premium for full coverage: $1,380
Price estimates for individual coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all XT6 models.
Price Range from Low to High
For the average 40-year-old driver, Cadillac XT6 insurance prices go from the cheapest price of $322 for minimum levels of liability insurance to the much higher price of $2,978 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why everyone should compare prices for a specific zip code and their own driving history, rather than relying on price 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.
Additional Rate Details
The chart below illustrates estimated Cadillac XT6 insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $771
- Using higher $1,000 deductibles will save about $226 each year
- The average price for the average middle-age driver using $500 deductibles is $1,380
- Choosing pricier low deductibles for physical damage coverage costs an extra $438 a year
- Drivers with multiple violations and an at-fault accident could pay at least $2,978 or more
- The price to insure a teen driver for full coverage can be $4,828 or more
Car insurance prices for a Cadillac XT6 are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $670 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $246 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. Cadillac XT6 insurance for high-risk drivers can be anywhere from 46% to 130% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Cadillac XT6 insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,860 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,248 | -$132 | -9.6% |
| Alaska | $1,058 | -$322 | -23.3% |
| Arizona | $1,146 | -$234 | -17.0% |
| Arkansas | $1,380 | -$0 | 0.0% |
| California | $1,572 | $192 | 13.9% |
| Colorado | $1,316 | -$64 | -4.6% |
| Connecticut | $1,418 | $38 | 2.8% |
| Delaware | $1,562 | $182 | 13.2% |
| Florida | $1,726 | $346 | 25.1% |
| Georgia | $1,276 | -$104 | -7.5% |
| Hawaii | $994 | -$386 | -28.0% |
| Idaho | $936 | -$444 | -32.2% |
| Illinois | $1,028 | -$352 | -25.5% |
| Indiana | $1,042 | -$338 | -24.5% |
| Iowa | $932 | -$448 | -32.5% |
| Kansas | $1,310 | -$70 | -5.1% |
| Kentucky | $1,880 | $500 | 36.2% |
| Louisiana | $2,042 | $662 | 48.0% |
| Maine | $850 | -$530 | -38.4% |
| Maryland | $1,138 | -$242 | -17.5% |
| Massachusetts | $1,104 | -$276 | -20.0% |
| Michigan | $2,398 | $1,018 | 73.8% |
| Minnesota | $1,156 | -$224 | -16.2% |
| Mississippi | $1,654 | $274 | 19.9% |
| Missouri | $1,224 | -$156 | -11.3% |
| Montana | $1,486 | $106 | 7.7% |
| Nebraska | $1,088 | -$292 | -21.2% |
| Nevada | $1,656 | $276 | 20.0% |
| New Hampshire | $996 | -$384 | -27.8% |
| New Jersey | $1,540 | $160 | 11.6% |
| New Mexico | $1,222 | -$158 | -11.4% |
| New York | $1,456 | $76 | 5.5% |
| North Carolina | $794 | -$586 | -42.5% |
| North Dakota | $1,130 | -$250 | -18.1% |
| Ohio | $954 | -$426 | -30.9% |
| Oklahoma | $1,416 | $36 | 2.6% |
| Oregon | $1,266 | -$114 | -8.3% |
| Pennsylvania | $1,316 | -$64 | -4.6% |
| Rhode Island | $1,840 | $460 | 33.3% |
| South Carolina | $1,252 | -$128 | -9.3% |
| South Dakota | $1,166 | -$214 | -15.5% |
| Tennessee | $1,208 | -$172 | -12.5% |
| Texas | $1,662 | $282 | 20.4% |
| Utah | $1,024 | -$356 | -25.8% |
| Vermont | $944 | -$436 | -31.6% |
| Virginia | $828 | -$552 | -40.0% |
| Washington | $1,066 | -$314 | -22.8% |
| West Virginia | $1,268 | -$112 | -8.1% |
| Wisconsin | $954 | -$426 | -30.9% |
| Wyoming | $1,228 | -$152 | -11.0% |
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Cadillac XT6 | $404 | $688 | $246 | $1,448 |
| 2023 Cadillac XT6 | $384 | $660 | $258 | $1,412 |
| 2022 Cadillac XT6 | $370 | $656 | $264 | $1,400 |
| 2021 Cadillac XT6 | $356 | $640 | $274 | $1,380 |
| 2020 Cadillac XT6 | $344 | $612 | $284 | $1,350 |
Rates are averaged for all Cadillac XT6 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 Cheaper Cadillac XT6 Insurance
Getting lower rates on Cadillac XT6 insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a condensed summary of the coverage data touched on in this article.
- It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $675 each year
- Teenage drivers are the costliest to insure, as much as $402 a month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents may pay on average $1,600 more every year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,828 |
| 20 | $3,158 |
| 30 | $1,462 |
| 40 | $1,380 |
| 50 | $1,256 |
| 60 | $1,232 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,818 |
| $250 | $1,616 |
| $500 | $1,380 |
| $1,000 | $1,154 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,380 |
| 50/100 | $1,435 |
| 100/300 | $1,503 |
| 250/500 | $1,681 |
| 100 CSL | $1,462 |
| 300 CSL | $1,613 |
| 500 CSL | $1,723 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,962 |
| 20 | $5,026 |
| 30 | $3,066 |
| 40 | $2,978 |
| 50 | $2,836 |
| 60 | $2,810 |
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 | $76 |
| Multi-vehicle | $70 |
| Homeowner | $18 |
| 5-yr Accident Free | $110 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $70 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $609 |
Discounts are estimated and may not be available from every company or in every state.
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