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Best Cadillac XT5 Insurance Rates [Guide + Free Quotes]

Average auto insurance rates for a Cadillac XT5 cost $1,624 a year, or around $135 a month. Finding Cadillac XT5 teenager insurance rates can cost on average $5,936 a year, so shop around to find cheap coverage.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 24, 2020

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Key takeaways:

  • Full coverage costs around $1,624 a year or $135 each month
  • A liability-only policy costs around $651 a year or $54 each month
  • Highest rates are for teenage drivers at around $5,936 a year or $495 each month
  • Good drivers can save as much as $670 a year by earning policy discounts
  • Cadillac XT5 insurance costs around $105 more per year than the average vehicle

Cadillac XT5 insurance rates are about $105 more per year than the average vehicle with full coverage costing around $1,624 a year or $135 a month. The highest rates are for teens who will pay around $5,936 a year or $495 a month as high-risk drivers.

Good drivers can save up to $670 a year in policy discounts by remaining safe and courteous on the road. Let’s take a closer look at Cadillac XT5 insurance rates, crash test ratings, and more.

You can start comparing quotes for Cadillac XT5 car insurance rates from some of the best car insurance companies by using our free online tool now.

Cadillac XT5 Insurance Cost

The average Cadillac XT5 car insurance costs are $1,624 a year or $135 a month.

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Are Cadillac XT5s Expensive to Insure?

The chart below details how Cadillac XT5 insurance rates compare to other SUVs like the Acura RDX, Mercedes-Benz GLA 250, and Chevrolet Tahoe.

Vehicle Comprehensive Collision Liability Total
Cadillac XT5 $376 $718 $372 $1,624
Acura RDX $308 $532 $316 $1,292
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Chevrolet Tahoe $336 $532 $372 $1,398
Dodge Journey $322 $532 $372 $1,384
Chevrolet Suburban $336 $532 $372 $1,398
Toyota Highlander $332 $512 $390 $1,392

However, there are a few things you can do to find the cheapest Cadillac insurance rates online.

What Impacts the Cost of Cadillac XT5 Insurance?

The Cadillac XT5 trim and model you choose can impact the total price you will pay for Cadillac XT5 auto insurance coverage.

Age of the Vehicle

Older Cadillac XT5 models generally cost less to insure. For example, auto insurance rates for a 2020 Cadillac XT5 are $1,624, while 2017 Cadillac XT5 rates are $1,574, a difference of $50.

Model Year Comprehensive Collision Liability Total
2020 Cadillac XT5 $376 $718 $372 $1,624
2019 Cadillac XT5 $358 $690 $390 $1,596
2018 Cadillac XT5 $344 $686 $398 $1,586
2017 Cadillac XT5 $332 $668 $416 $1,574

Driver Age

Driver age can have a significant effect on Cadillac XT5 car insurance rates. For example, 20-year-old drivers pay $1,987 more for their Cadillac XT5 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac XT5 insurance rates. For example, drivers in Houston may pay $1,197 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on your Cadillac XT5 car insurance rates. Teens and drivers in their 20’s see the highest jump in their Cadillac XT5 car insurance with violations on their driving record.

Cadillac XT5 Safety Ratings

Your Cadillac XT5 car insurance rates are influenced by the safety ratings of the Cadillac XT5. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Cadillac XT5 Crash Test Ratings

Poor Cadillac XT5 crash test ratings could mean higher Cadillac XT5 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Cadillac XT5 SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Cadillac XT5 SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Cadillac XT5 SUV FWD 4 stars 4 stars 5 stars 4 stars
2019 Cadillac XT5 SUV AWD 5 stars 4 stars 5 stars 4 stars
2018 Cadillac XT5 SUV FWD 4 stars 4 stars 5 stars 4 stars
2018 Cadillac XT5 SUV AWD 5 stars 4 stars 5 stars 4 stars
2017 Cadillac XT5 SUV FWD 4 stars 4 stars 5 stars 4 stars
2017 Cadillac XT5 SUV AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Cadillac XT5 Safety Features

Good Cadillac XT5 safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Cadillac XT5 are:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Cadillac XT5 Finance and Insurance Cost

If you are financing a Cadillac XT5, most lenders will require your carry higher Cadillac XT5 coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac XT5 auto insurance quotes from the best auto insurance companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Cadillac XT5 Insurance

You can save more money on your Cadillac XT5 auto insurance rates by employing any of the following five strategies.

  • Ask for a Higher Deductible for Your Cadillac XT5 Insurance Policy
  • Ask About Farm and Ranch Vehicle Discounts
  • Consider Renting a Car Instead of Buying a Second Cadillac XT5
  • Wait Six Years for Accidents to Disappear from Your Record
  • Take Advantage of Referral Fees

Top Cadillac XT5 Insurance Companies

Who is the top car insurance company for Cadillac XT5 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac XT5 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac XT5 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Cadillac XT5 Insurance Quotes Online

You can start comparing quotes for Cadillac XT5 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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