Cadillac XT5 Car Insurance Cost 2025
The average annual cost to insure a Cadillac XT5 is $975, but the exact price can vary depending on factors like your age, the car’s model year, and other details. Use our quote tables below to get a tailored estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Cadillac XT5, it’s essential to factor in the cost of insurance. On average, insurance for a Cadillac XT5 costs $975 per year. Insurance is a significant aspect of owning a car, and it’s important to understand what you’re getting into before making a decision.
Choosing the right car insurance policy is crucial to avoid unexpected and potentially expensive outcomes in the future. You wouldn’t want to find yourself underinsured in the event of an accident, facing substantial out-of-pocket expenses. Additionally, there’s the possibility of premium increases if you’re deemed responsible for an accident.
With more than ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving history, and location can have a significant impact on your insurance premiums.
How Much Does A Cadillac XT5 Car Insurance Cost?
Cadillac XT5 drivers typically pay an average of $975 annually for car insurance.
The cost of car insurance can vary widely due to several factors, including your location, driving history, car model year, and chosen coverage options. A clean driving record can help lower premiums, while a history of accidents or violations may increase costs.
Living in a high-traffic urban area may lead to higher rates compared to rural locations with less traffic. Additionally, the type of coverage you select affects your premium—comprehensive insurance, which includes both collision and comprehensive coverage, is typically more expensive than basic liability coverage.
As shown in the table below, the cost of insuring a Cadillac XT5 is higher than the average for all Audi models but still less expensive than the average cost for all vehicles.
To find the best deal tailored to your needs, Insuranceopedia offers tools to compare quotes from multiple auto insurance providers.
| Vehicle | Average Monthly Premium |
| Cadillac XT5 | $175 |
| All Cadillac | $170 |
| All Cars | $175 |
Average Insurance Cost Of Cadillac XT5 By Model Year
| Model Year | Average Premium |
| 2024 Cadillac XT5 | $1,538 |
| 2023 Cadillac XT5 | $1,375 |
| 2022 Cadillac XT5 | $1,379 |
| 2021 Cadillac XT5 | $757 |
| 2020 Cadillac XT5 | $797 |
| 2019 Cadillac XT5 | $757 |
| 2018 Cadillac XT5 | $716 |
| 2017 Cadillac XT5 | $722 |
2024 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2024 Cadillac XT5 is $1,538. However, SECURA Insurance offers the cheapest rates, averaging $975 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $1,297 |
| Safeco | $1,831 |
| Metropolitan | $1,619 |
| Chubb | $1,624 |
| Auto-Owners Insurance Co | $1,922 |
| SECURA Insurance | $975 |
| Hastings Mutual Insurance Co | $1,389 |
| Kemper Auto | Infinity | $1,688 |
| MEEMIC Insurance Company | $1,626 |
| USAA | $1,409 |
2023 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2023 Cadillac XT5 is $1,375. However, Nationwide offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,040 |
| Travelers | $1,724 |
| Hastings Mutual Insurance Co | $1,552 |
| Liberty Mutual | $1,935 |
| Chubb | $1,729 |
| Nationwide | $162 |
| MEEMIC Insurance Company | $1,770 |
| USAA | $1,737 |
| Mercury Insurance | $330 |
| Safeco | $1,772 |
2022 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2022 Cadillac XT5 is $1,379. However, SECURA Insurance offers the cheapest rates, averaging $1,154 per year.
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $1,189 |
| Country | $1,515 |
| Unigard | $1,460 |
| Columbia Insurance Group | $1,744 |
| National General | $1,455 |
| SECURA Insurance | $1,154 |
| Texas Farm Bureau Group | $1,304 |
| PEMCO | $1,235 |
| Capital Insurance Group | $1,236 |
| Cincinnati Insurance | $1,493 |
2021 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2021 Cadillac XT5 is $757. However, Victoria offers the cheapest rates, averaging $358 per year.
| Insurance Provider | Average Annual Cost |
| Celina Insurance Group | $834 |
| Ohio Mutual Ins Group | $864 |
| North Carolina Farm Bureau | $1,055 |
| Western Reserve | $871 |
| Clearcover | $1,053 |
| Buckeye Insurance Group | $462 |
| Pekin Insurance | $771 |
| Victoria | $358 |
| Safeco | $771 |
| Mercury Insurance | $532 |
2020 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2020 Cadillac XT5 is $757. However, Mercury Insurance offers the cheapest rates, averaging $114 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $787 |
| North Carolina Farm Bureau | $1,133 |
| Rural Mutual Insurance | $884 |
| Buckeye Insurance Group | $461 |
| Acuity | $856 |
| Mercury Insurance | $114 |
| Safeco | $631 |
| Tennessee Farmers | $1,120 |
| Virginia Farm Bureau | $963 |
| Texas Farm Bureau Group | $1,021 |
Find Affordable Cadillac XT5 Insurance Rates
2019 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2019 Cadillac XT5 is $757. However, American National P offers the cheapest rates, averaging $403 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $403 |
| NatGen Value | $684 |
| Mercury Insurance | $414 |
| Utica National Ins Group | $905 |
| Buckeye Insurance Group | $695 |
| Pekin Insurance | $900 |
| Direct Auto | $952 |
| North Carolina Farm Bureau | $860 |
| Titan | $1,001 |
| Safeco | $754 |
2018 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2018 Cadillac XT5 is $716. However, Mercury Insurance offers the cheapest rates, averaging $138 per year.
| Insurance Provider | Average Annual Cost |
| Rural Mutual Insurance | $941 |
| Titan | $918 |
| Mercury Insurance | $138 |
| Safeco | $647 |
| Pekin Insurance | $855 |
| Dairyland Broadform | $833 |
| Acuity | $680 |
| Utica National Ins Group | $713 |
| PEMCO | $910 |
| American National P | $522 |
2017 Cadillac XT5 Insurance Rates
The average annual insurance cost for a 2017 Cadillac XT5 is $722. However, Safeco offers the cheapest rates, averaging $252 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $725 |
| Ohio Mutual Ins Group | $1,028 |
| Kemper Personal Insurance | $370 |
| Mercury Insurance | $875 |
| Patriot Group | $897 |
| Buckeye Insurance Group | $593 |
| PEMCO | $807 |
| Safeco | $252 |
| North Carolina Farm Bureau | $913 |
| American National P | $760 |
Find Affordable Cadillac XT5 Insurance Rates
Is A Cadillac XT5 Expensive To Insure?
Insuring a Cadillac XT5 costs more than the average for all cars, but the exact amount you’ll pay depends on factors like your age, the car’s model year, your location, and other variables.
Cost of Cadillac XT5 Car Insurance By Age
Age is a key factor in determining vehicle insurance rates. Teenagers usually face the highest premiums due to their higher likelihood of being involved in accidents. However, as drivers age and become lower-risk, their insurance costs tend to decrease.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,509 | $12,557 | $14,629 |
| 18 | $7,951 | $11,647 | $13,652 |
| 19 | $7,009 | $10,362 | $12,119 |
| 20 | $6,123 | $9,013 | $10,578 |
| 21 | $5,136 | $7,520 | $8,809 |
| 22 | $5,019 | $7,308 | $8,583 |
| 23 | $4,423 | $6,396 | $7,480 |
| 24 | $4,154 | $6,139 | $7,138 |
| 25 | $3,554 | $5,305 | $6,147 |
| 30 | $2,799 | $4,116 | $4,805 |
| 35 | $2,574 | $3,823 | $4,537 |
| 40 | $2,508 | $3,736 | $4,346 |
| 45 | $2,469 | $3,610 | $4,248 |
| 55 | $2,245 | $3,338 | $3,859 |
| 65 | $2,362 | $3,399 | $4,035 |
| 75 | $2,997 | $4,335 | $5,080 |
Cadillac XT5 Car Insurance Rates By State
Your location heavily influences how insurance companies calculate rates. Each state has its own auto insurance regulations—Michigan drivers, for instance, often pay higher premiums due to the state’s requirement for more extensive coverage. Local climate also plays a role; states prone to extreme weather events like hurricanes, storms, or flooding may see higher rates.
Additionally, insurers consider area-specific statistics, including crime rates, car thefts, accidents, and vehicle fatalities, when determining your Cadillac XT5 insurance premium. All these factors combine to shape your exact rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,630 | $3,909 | $4,904 |
| Alaska | $2,240 | $3,093 | $2,987 |
| Arizona | $2,529 | $3,655 | $5,288 |
| Arkansas | $2,752 | $4,350 | $4,705 |
| California | $3,085 | $5,376 | $3,030 |
| Colorado | $2,794 | $3,990 | $5,091 |
| Connecticut | $3,646 | $5,603 | $7,109 |
| Delaware | $2,992 | $3,993 | $5,142 |
| Florida | $3,608 | $4,953 | $6,444 |
| Georgia | $2,912 | $4,327 | $4,395 |
| Hawaii | $1,171 | $1,542 | $1,141 |
| Idaho | $2,024 | $2,692 | $3,283 |
| Illinois | $2,165 | $3,189 | $3,680 |
| Indiana | $2,153 | $3,300 | $3,745 |
| Iowa | $1,735 | $2,362 | $2,745 |
| Kansas | $2,327 | $3,335 | $3,924 |
| Kentucky | $3,299 | $4,887 | $5,733 |
| Louisiana | $4,225 | $6,407 | $7,031 |
| Maine | $1,653 | $2,230 | $3,309 |
| Maryland | $2,645 | $3,835 | $4,186 |
| Massachusetts | $2,092 | $3,610 | $2,087 |
| Michigan | $5,069 | $7,732 | $12,161 |
| Minnesota | $2,106 | $2,745 | $3,887 |
| Mississippi | $2,472 | $3,591 | $3,587 |
| Missouri | $2,385 | $3,385 | $4,479 |
| Montana | $2,415 | $3,337 | $3,911 |
| Nebraska | $2,037 | $2,973 | $3,284 |
| Nevada | $3,356 | $4,995 | $5,221 |
| New Hampshire | $2,364 | $3,671 | $4,648 |
| New Jersey | $2,523 | $3,983 | $5,229 |
| New Mexico | $2,582 | $3,916 | $4,082 |
| New York | $2,412 | $3,042 | $5,135 |
| North Carolina | $1,529 | $2,585 | $1,865 |
| North Dakota | $2,083 | $3,133 | $3,667 |
| Ohio | $1,858 | $2,804 | $2,887 |
| Oklahoma | $2,888 | $4,238 | $4,742 |
| Oregon | $2,676 | $3,544 | $4,290 |
| Pennsylvania | $2,272 | $3,261 | $3,909 |
| Rhode Island | $3,775 | $5,543 | $6,173 |
| South Carolina | $2,503 | $3,507 | $4,916 |
| South Dakota | $2,332 | $3,306 | $3,852 |
| Tennessee | $2,733 | $3,947 | $5,257 |
| Texas | $2,668 | $3,926 | $4,905 |
| Utah | $2,263 | $3,195 | $4,417 |
| Vermont | $1,773 | $2,711 | $2,886 |
| Virginia | $1,709 | $2,583 | $2,552 |
| Washington | $2,179 | $2,981 | $3,593 |
| West Virginia | $2,203 | $3,208 | $3,994 |
| Wisconsin | $2,218 | $3,486 | $3,914 |
| Wyoming | $2,040 | $2,858 | $3,105 |
Cheapest Car Insurance Companies For A Cadillac XT5
If you’re in the market for a new car insurance policy for your Cadillac XT5, you may want to know which insurance companies offer the best rates. For those purely looking for the most affordable option, MetroMile provides a premium starting at $21 per month, making them the cheapest provider for this vehicle. However, rates can vary based on your individual driver profile, so this figure serves as an average. To find the most affordable rates tailored to your specific needs, it’s best to shop around and compare quotes.
| Company | Average Monthly Rate |
| Shelter Mutual | $32 |
| ACG | $27 |
| Hugo | $44 |
| MetroMile | $21 |
| Safeco | $42 |
Common Cadillac XT5 Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each insurance provider has their own offers, some common discounts you may be eligible for include:
- Multi-policy: Combining your home and auto insurance policies with the same provider can often lead to a discounted rate.
- Pay annually: Opting to pay your premium in full, rather than monthly installments, can sometimes lower your costs.
- Defensive driving: Completing defensive driving courses through a certified institution may make you eligible for discounted rates.
There are additional discounts available, so it’s a good idea to speak with your insurance agent. They can help you identify which ones you qualify for based on your circumstances.
Ways To Save On Cadillac XT5 Insurance Costs
Keeping a clean driving record is one of the best ways to keep your Cadillac XT5 insurance costs low. Speeding tickets or being involved in accidents can significantly raise your premiums. For example, drivers with a single ticket can expect to pay around $298 per month, while those with multiple accidents may pay an average of $92 per month. By avoiding these incidents, you can maintain lower insurance costs.
Additionally, drivers with low annual mileage tend to pay less for Cadillac XT5 insurance. Since less time on the road means fewer chances of accidents, they’re considered lower-risk drivers. For instance, those driving between 5,001-7,500 miles per year typically pay about $55 per month, whereas drivers who exceed 10,000 miles per year will pay around $56 per month.
Compare Cadillac XT5 To Other Cadillac Models
Looking for other Cadillac model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, keep in mind that these figures may not reflect your specific results, as individual rates can vary based on a variety of factors.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Cadillac XT5?
Yes, you’ll need to show proof of insurance before driving your Cadillac XT5 off the dealership lot. The best approach is to purchase a policy first and then notify your insurance company about your new car, rather than opting for insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Cadillac XT5?
The best way to find the most affordable rates for your Cadillac XT5 is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers directly on our website.
