What is the Best Car Insurance for a Cadillac XT5?

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

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
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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?

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
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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
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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
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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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Compare Free Cadillac XT5 Insurance Quotes Online

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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