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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Cadillac drivers pay an overall average of $187 per month for car insurance, according to Compare.com data. That breaks down to $113 for basic liability insurance and $242 for full coverage.
Since Cadillac is a luxury brand, the average insurance rate for its vehicles is higher than the national average for all vehicles — $150 per month. Luxury cars are more expensive to repair and replace, so they cost more to insure. That said, you can still find cheap auto coverage.
Here’s everything you need to know about insuring your Cadillac and how to save money on your car insurance.
Cadillac drivers pay an average of $113 per month for liability coverage and $242 per month for full coverage.
The CT5 is the most expensive Cadillac to insure, with an average liability rate of $147 per month.
Travelers offers the cheapest average monthly premiums for Cadillac drivers, at $89 per month.
How much you pay to insure your Cadillac depends on how much coverage you choose. The following table shows the average Cadillac insurance rates for different coverage types and how those rates compare to the national average for all vehicles, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Cadillac | $113 | $242 | $187 |
| All makes | $108 | $198 | $150 |
Full-coverage car insurance for Cadillac vehicles costs $242 per month, significantly more expensive than the average for all makes of $198 per month. Liability-only policies are about the same as the average, with Cadillac drivers paying $5 more per month.
The cost of car insurance can vary based on the model of your Cadillac. Generally, more expensive models cost more to repair and are more costly to insure. But your coverage type also affects your insurance rates. Drivers who opt for basic liability usually pay less than people with full coverage.
Here’s a look at the average monthly premiums for different Cadillac models and coverage types, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| ATS | $126 | $229 |
| CT4 | $143 | $259 |
| CT5 | $147 | $268 |
| CT6 | $131 | $238 |
| CTS | $110 | $200 |
| Escalade | $111 | $203 |
| SRX | $99 | $179 |
| STS | $96 | $175 |
| XT4 | $122 | $221 |
| XT5 | $114 | $208 |
| XT6 | $123 | $224 |
| XTS | $126 | $229 |
| All Cadillac models | $113 | $242 |
The Cadillac CT4 is one of the luxury brand’s least expensive vehicles, with an MSRP starting at $37,095 for the 2026 model, according to Kelley Blue Book.[1] But insurance rates for this model are on the higher side, with drivers paying an average of $259 per month for full coverage.
The 2026 Escalade is one of the most expensive Cadillac models, with a starting price of $132,795.[2] Average full-coverage premiums for the Escalade are $203 per month. But these are averages, and insurance rates vary by company.
No matter the average rates, you can still find ways to save on coverage. One of the most important things you can do to find low rates is compare car insurance quotes from different companies.
Here are the five cheapest companies for Cadillac insurance, according to our data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $89 |
| Root | $113 |
| Safeco | $115 |
| Mercury | $128 |
| National General | $137 |
Travelers has the lowest average monthly premiums, with Cadillac drivers paying just $89 per month. But these companies may not be the cheapest for every driver. Insurance companies consider many factors when calculating your rates, which is why comparing quotes is essential.
Below, we’ll discuss some of the best car insurance companies for Cadillac drivers with different needs and backgrounds.
Because insurance rates depend on so many factors, there’s no one best company for every driver. We picked some of the best insurance companies for Cadillac drivers based on their average rates, discounts, customer reviews, and coverage options.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
If you’re a safe driver with a good track record behind the wheel, you might save on coverage with Root. Root is unique among its competitors because it gives you a customized quote based on your driving behavior. You can use the Root app for a few weeks while you drive and then get a quote based on your driving habits.
Root isn’t available everywhere, so you’ll have to check whether you can get it in your area. The company also doesn’t have an agent locator, so it can be hard to find local service.
Very affordable rates
Personalized quotes based on your driving
Excellent customer reviews[3]
Not available in all states
Limited customer service hours
Hard to find local agents
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Besides offering the cheapest rates on average for Cadillac drivers, Travelers also has an impressive selection of discounts to help you save even more. The company’s discounts include multi-policy, multi-car, safe driver, paid-in-full, homeowners, and more.
But Travelers ranks near the bottom for claims satisfaction by J.D. Power.[4] It can also be more expensive for high-risk drivers.
Incredibly cheap rates
Many discounts available
24/7 customer service available
Bad customer reviews
Below-average claims satisfaction score
High rates for drivers with less-than-perfect records
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Cadillac drivers who want to save money could find what they want with Safeco. The insurer offers a unique program that lets you earn cash back for every six months you go without a claim. Plus, it has accident forgiveness and a diminishing deductible that can save you up to $500 on your deductible over time.
That said, Safeco has bad customer reviews on Trustpilot. It also has a below-average claims satisfaction rating from J.D. Power.
Low rates
Offers accident forgiveness
Diminishing deductible program available
Bad customer reviews[5]
Accident forgiveness availability varies by state
Lower-than-average claims satisfaction rating
Compare quotes from top insurers and save money in seconds.
Where you live affects your insurance rates. Every state has different risk factors, and drivers in more populated areas typically pay more for car insurance.
Here’s a look at average monthly premiums for Cadillac drivers in different states, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $104 |
| Arizona | $140 |
| Arkansas | $200 |
| California | $201 |
| Colorado | $164 |
| Connecticut | $318 |
| Delaware | $194 |
| Florida | $204 |
| Georgia | $207 |
| Idaho | $105 |
| Illinois | $130 |
| Indiana | $113 |
| Iowa | $95 |
| Kansas | $128 |
| Kentucky | $204 |
| Louisiana | $189 |
| Maine | $124 |
| Maryland | $288 |
| Massachusetts | $157 |
| Michigan | $245 |
| Minnesota | $157 |
| Mississippi | $157 |
| Missouri | $153 |
| Montana | $127 |
| Nebraska | $147 |
| Nevada | $249 |
| New Hampshire | $96 |
| New Jersey | $166 |
| New Mexico | $121 |
| New York | $402 |
| North Carolina | $78 |
| North Dakota | $121 |
| Ohio | $106 |
| Oklahoma | $136 |
| Oregon | $134 |
| Pennsylvania | $137 |
| Rhode Island | $120 |
| South Carolina | $229 |
| South Dakota | $101 |
| Tennessee | $118 |
| Texas | $186 |
| Utah | $152 |
| Vermont | $114 |
| Virginia | $151 |
| Washington | $117 |
| District of Columbia | $238 |
| West Virginia | $121 |
| Wisconsin | $106 |
| Wyoming | $101 |
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Price isn’t the only factor to consider as you shop for Cadillac car insurance. You’ll also want to ensure your coverage meets your needs. Here are some tips for choosing the best car insurance:
Pick the right coverage. A basic liability policy is generally cheaper than full coverage but gives you less protection. Full coverage includes liability, comprehensive, and collision insurance. Full coverage can also include uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments insurance.
Check for discounts. Check if you qualify for any discounts from different insurers. Not only do some companies offer more discounts than others, but some also offer perks like diminishing deductibles.
Consider customer service. You should also consider a company’s customer service options. Check if insurers offer 24/7 support, online claims filing, or mobile apps. The best insurers provide customer support through multiple channels.
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Even if rates are relatively high compared to the national average, you can still get cheaper car insurance for your Cadillac. Here are some tips that could help reduce the cost of your coverage:
Opt for an older model. Typically, older Cadillac cars are cheaper to insure. If you’re trying to decide between a new or used car, opting for the used model might lower your insurance costs.
Bundle your policies. Insurance companies often give you a discount for bundling multiple policies, like your homeowners and auto insurance. Ask insurers how much you could save by bundling.
Keep your driving record clean. Maintaining a safe driving history is one of the best ways to lower car insurance costs. Follow the rules of the road and avoid risky driving behaviors.
Consider usage-based coverage. If you’re a low-mileage driver or pride yourself on safety behind the wheel, usage-based car insurance can save you money. You either pay a per-mile rate or allow your insurer to track your driving habits with an app or telematics device.
Compare car insurance. Comparing car insurance quotes from different companies can also help you save. Get multiple quotes when shopping to make sure you get the best price for your coverage.
Find the coverage you need for your Cadillac at the best price.
If you’re looking to insure your Cadillac, we’ve answered some common questions from other drivers. Check them out below.
Cadillac drivers pay an average of $187 per month for car insurance, according to Compare.com data. But your rates will depend on your unique driving profile, location, coverage needs, and more.
Yes. Cadillac vehicles are relatively expensive to insure. Cadillac drivers pay an average of $187 per month for car insurance, while the national average for all vehicles is only $150 per month, according to Compare.com data.
The Cadillac STS is the cheapest Cadillac model to insure, according to Compare.com data. STS drivers pay an average of $96 monthly for liability-only coverage and $175 monthly for full coverage.
The Subaru Forester and Dodge Grand Caravan are among the cheapest cars to insure, according to Compare.com data. Drivers pay an average of $114 per month to insure these vehicles.
Volvo drivers pay some of the lowest average monthly premiums, according to Compare.com research. That said, insurance costs vary depending on several factors, including your age, location, and driving habits.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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