Buy Cheap Cadillac XT5 Auto Insurance in 2024
Average car insurance rates for a Cadillac XT5 cost $1,624 a year, or around $135 a month. You can find cheap Cadillac XT5 insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $954 a year.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Jul 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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
Finding cheap Cadillac XT5 insurance rates can be a little difficult if you don’t know what to expect or what to look for in rates. Cadillac XT5 insurance costs around $105 more per year than the average vehicle. Luckily, you can bring rates down by following our tips for Cadillac XT5 insurance rates. Read on.
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 auto 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 Volvo XC90, Kia Telluride, and Lexus RX 350.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Cadillac XT5 | $376 | $718 | $372 | $1,624 |
| Volvo XC90 | $346 | $600 | $390 | $1,494 |
| Kia Telluride | $376 | $688 | $316 | $1,516 |
| Lexus RX 350 | $358 | $660 | $440 | $1,638 |
| Volvo XC60 | $306 | $536 | $338 | $1,316 |
| Volkswagen Tiguan | $306 | $542 | $332 | $1,316 |
| Honda Passport | $362 | $656 | $316 | $1,470 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
Read more: Buy Cheap Volkswagen Auto Insurance
What Impacts the Cost of Cadillac XT5 Insurance?
Even though the average annual rate for the Cadillac XT5 is $1,624, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Cadillac XT5.
Age of the Vehicle
Older Cadillac XT5 models generally cost less to insure. For example, car insurance for a 2020 Cadillac XT5 costs $1,624, while 2017 Cadillac XT5 insurance costs 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 New York may pay $991 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Cadillac XT5 car insurance. 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 auto insurance rates are tied to the Cadillac XT5’s safety ratings. 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
The crash test ratings of the Cadillac XT5 can impact your 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
The Cadillac XT5 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Cadillac XT5 auto insurance rates. The Cadillac XT5’s safety features include:
- 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
When 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 car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Cadillac XT5 Insurance
If you want to reduce the cost of your Cadillac XT5 insurance rates, follow these tips below:
- Use an Accurate Job Title When Requesting Cadillac XT5 Auto Insurance
- Take a Defensive Driving Course or Any Driver’s Education Course
- Take a Refresher Course as an Older Driver
- Reduce Your Coverage on an Older Cadillac XT5
- Understand the Different Types of Auto Insurance for Your Cadillac XT5
Top Cadillac XT5 Insurance Companies
Several insurance companies offer competitive rates for the Cadillac XT5 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Cadillac XT5 drivers organized by market share.
| 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 | |||
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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.
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Frequently Asked Questions
How can I buy cheap Cadillac XT5 auto insurance?
To buy cheap Cadillac XT5 auto insurance, you can follow these tips:
- Compare quotes from multiple insurance providers to find the best rates.
- Opt for a higher deductible, which can lower your premium.
- Maintain a good driving record and avoid traffic violations.
- Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, to get a discount.
- Install safety features in your Cadillac XT5, such as anti-theft devices, which may lower your premium.
- Ask your insurance provider if they offer any specific discounts for Cadillac XT5 owners.
What factors affect the cost of Cadillac XT5 auto insurance?
Several factors can influence the cost of Cadillac XT5 auto insurance, including:
- Age and driving experience of the primary driver.
- Location where the vehicle is primarily kept or driven.
- The model and year of the Cadillac XT5.
- Your driving record and history of claims.
- The level of coverage and deductible you choose.
- The usage of the vehicle (personal or business).
- Safety features and anti-theft devices installed in the car.
- Your credit history (in some states or countries).
- The insurance provider’s underwriting guidelines and pricing structure.
Can I get discounts on Cadillac XT5 auto insurance?
es, insurance providers often offer various discounts that can help reduce the cost of Cadillac XT5 auto insurance. Some common discounts include:
- Multi-policy discount: Bundling your auto insurance with other policies, such as home or renters insurance, from the same provider.
- Safe driver discount: Maintaining a good driving record with no or minimal traffic violations or accidents.
- Anti-theft device discount: Installing anti-theft devices or alarm systems in your Cadillac XT5.
- Safety feature discount: Equipping your vehicle with safety features like anti-lock brakes, airbags, and traction control.
- Good student discount: If you or a covered driver on your policy is a student with good grades.
- Low mileage discount: If you drive your Cadillac XT5 less than the average annual mileage.
- Loyalty discount: Staying with the same insurance provider for an extended period.
Is it necessary to have comprehensive coverage for my Cadillac XT5?
While comprehensive coverage is not legally required, it can provide valuable protection for your Cadillac XT5. Comprehensive coverage helps pay for damage to your vehicle caused by events other than collisions, such as theft, vandalism, natural disasters, or falling objects. If your Cadillac XT5 is new or valuable, having comprehensive coverage can give you peace of mind knowing that you’re financially protected against various risks.
Are there specific insurance providers that specialize in Cadillac XT5 coverage?
While some insurance providers may offer specialized coverage for luxury vehicles like the Cadillac XT5, there isn’t a specific list of providers that exclusively cater to this model. However, it’s always a good idea to research and compare quotes from different insurance companies to find the best coverage options and rates for your Cadillac XT5.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.