Cadillac XT6 Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Cadillac XT6 are $1,380 annually for full coverage insurance. Comprehensive costs on average $356, collision insurance costs $640, and liability costs around $274. A liability-only policy costs as low as $322 a year, and high-risk insurance costs around $2,978. Teens pay the most at up to $4,828 a year.
Average premium for full coverage: $1,380
Premium estimates by type of coverage:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all XT6 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Cadillac XT6 range from as cheap as $322 for just liability insurance to the much higher price of $2,978 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates the difference location can make on car insurance rates.
These rate differences illustrate why everyone should compare prices based on a specific location and their own personal driving habits, instead of using averaged prices.
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 illustrates average Cadillac XT6 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $771
- Using higher $1,000 deductibles will save around $226 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,380
- Selecting pricier low deductibles for physical damage coverage will cost $1,818
- Drivers with serious driving violations could pay upwards of $2,978
- An auto insurance policy with full coverage for a teen driver for full coverage may cost $4,828 or more
Auto insurance prices for a Cadillac XT6 also have a wide range based on the model of your XT6, your risk profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. Cadillac XT6 insurance for high-risk drivers can be as much as 46% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $670 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $246 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Cadillac XT6 insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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% |
| 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 Buy Cheap Cadillac XT6 Insurance
Finding better rates on car insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.
The following is a brief summary of the ideas that were touched on in this article.
- Teens are charged the highest prices, with premiums being up to $402 per month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,600 more each year for XT6 insurance
- Increasing policy deductibles could save up to $675 each year
- It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
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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