Cadillac XT5 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Cadillac XT5 is more expensive to insure than the average SUV.
• Full coverage for a XT5 generally runs around $173 per month, while liability only insurance prices tend to be about $69.
• At as low as just $26 a month for liability only coverage, ACG is the cheapest auto insurance carrier for a XT5.

XT5 Overview

The Cadillac XT5 is a great choice for a mid-level SUV, with a base price of $43,995 for new 2022 models. With five different trim levels currently offered, there's a style for every driver.

Based on reviewing thousands of car insurance quotes from Compare.com, we've found that average Cadillac XT5 insurance rates run around $157 monthly. But how does that compare to other similar SUVs on the market?

How Much is Car Insurance for a Cadillac XT5?

If you look at the table above, you'll see that compared to other vehicles on the road, Cadillac XT5 insurance premiums are about average. On average, XT5 drivers will pay around $173 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $69 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Compared to other models, the XT5 is on par with the other vehicle types offered by Cadillac. Likewise, XT5 coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance prices coming in at $22 higher than other SUVs and liability insurance rates at $11 cheaper.

The Cadillac XT5 also has average prices when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Cadillac XT5?

Are you searching for an auto insurance policy for your Cadillac XT5? You're likely wondering which company offers the lowest premiums. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $22 per month from MetroMile. The next lowest carrier is ACG, who offers car insurance as little as just $26 per month.

Rounding out the list are Shelter Mutual, Safeco, and Hugo. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Car insurance companies take a wide array of different variables into consideration when offering you rates. By analyzing quotes from a whole bunch of insurance carriers at once, you can guarantee you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Cadillac XT5?

There are a multitude of variables that auto insurance companies look at to choose how much they charge you for a policy -- and every company uses a different formula, so there's not one carrier that's the lowest for each XT5 owner.

The following sections show many things insurance carriers use to calculate rates:

Vehicle Age

The Cadillac XT5 has been around for a few years, so vehicle age will likely play a role in your auto insurance price. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and XT5s begin to depreciate, insurance costs will gradually decrease.

Based on the above table, the Cadillac XT5 is not quite in line with this trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive XT5s are 4 to 5 years old.

Your Age

Your age is another variable that plays a significant role in how much you pay for car insurance. As you can see in the table above, those who have more experience on the road pay less compared to younger XT5 drivers. Cadillac XT5 drivers 18 to 24 actually pay $52 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for XT5 drivers.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates. For XT5 owners, that difference is around $5 monthly, with men paying an average of $68 and women looking at about $73.

Where You Live

It may seem like common sense that factors such as what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can matter just as much? Because car insurance is regulated on the state level rather than nationally, rates can vary quite a bit depending on what state you live in.

For example, the average Cadillac XT5 driver from New York pays around $145 a month for liability coverage, while on average, the same Californian owner will pay less than 50% of that price.

Cadillac XT5 Car Insurance Discounts

Whatever what car you drive, how old you are, or what state you call home, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

While no two insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-car discounts for having several vehicles on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same insurance company

These are just a few of the discounts car insurance carriers offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), there is quite a bit that you do have control over. Below are just a few of the ones you can use to your favor when it comes to cost savings:

Your Driving Record

You've most likely noticed ads from car insurance companies offering hefty discounts for safe drivers. And you're probably not surprised to hear that your insurance premiums will increase if you get cited for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost XT5 drivers less than tickets, but both will cause a significant increase in rates. Cadillac XT5 drivers with one ticket will pay an average of $296 per month, while drivers with a single accident on their record pay about $80 per month (up $11 from the $69/mo. overall average). The rates only go up the more accidents you have or tickets you get.

How Much You Drive

The total amount of miles you drive annually plays a big role in your auto insurance prices. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll typically end up paying less for car insurance. Above, you can see that Cadillac XT5 owners who drive between 5,000 and 7,500 miles each year pay about $53 monthly for insurance, while those who put between 7,500 and 10,000 miles on their cars pay $79.

If you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Cadillac XT5s Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Cadillac XT5 is on your shortlist, you're probably wondering how it compares to other vehicles. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Check out the table below to see how the Cadillac XT5 stacks up:

Overall, the Cadillac XT5 has an average MSRP and is on par with the going rate for a new vehicle. The XT5's $46,192 base MSRP is right on trend with the national average of $43,995.

Full coverage insurance for a Cadillac XT5 is about $14 per month more than average, while liability only coverage is $8 cheaper a month.

When it comes to usage, Cadillac XT5 drivers are far from the national average in annual miles driven, with 9,084 miles every year compared to 11,617 for all vehicles.

Cadillac XT5 Car Insurance Costs by Model Year

We've walked through many of the variables that can have an impact on how much the average driver pays for insurance. If you're thinking about buying a new vehicle and the XT5 is one you're considering, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

2022 Cadillac XT5 Car Insurance

If you're considering a brand new Cadillac XT5, you've got options. With a base MSRP of $43,995, the 2022 XT5 is offered in five different trim levels, which means you'll have your pick of multiple styles.

On average, it costs around $183 monthly to buy full coverage insurance for a 2022 Cadillac XT5 and $73 a month for a liability only policy. And if you want the most affordable insurance possible, Commonwealth Casualty offers liability only policies for sometimes as low as $73 per month.

While it helps to know the average price drivers pay to insure a 2022 XT5, a personalized quote is the only way to find out exactly how much you'll pay. With Compare.com, you can get a variety of quotes at once, all for free. Just enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

2021 Cadillac XT5 Car Insurance

If you're in the market for a 2021 XT5 or already own one, you're most likely looking at an average car insurance rate of about $120 for full coverage or $28 for a liability only policy.

And if you're just looking for the cheapest auto insurance for your XT5, Safeco offers liability only policies for as cheap as $28 a month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2021 Cadillac XT5, you can get free quotes in minutes by just entering your ZIP code below.

2020 Cadillac XT5 Car Insurance

2020 XT5 drivers can expect to pay an average of $45 per month for liability or $134 for full coverage.

We found DirectGeneral offered the most affordable policy, with rates sometimes as cheap as $20 monthly.

Want to find the lowest rates? All you need to do is enter your ZIP code below and you'll be on your way to comparing several personalized quotes from the nation's top insurance carriers.

2019 Cadillac XT5 Car Insurance

On average, drivers who own a 2019 Cadillac XT5 can expect to pay $75 to $204 per month for liability only and full coverage insurance, respectively.

With rates as cheap as just $33 a month, Shelter Mutual offered the most affordable policy we found.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

2018 Cadillac XT5 Car Insurance

The average cost to insure a 2018 XT5 with liability only coverage is $71 monthly, while full coverage runs around $178 a month.

MetroMile offered the lowest policy we found, with rates sometimes as little as $22 per month.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get multiple customized quotes for free.

2017 Cadillac XT5 Car Insurance

You can expect full coverage for a 2017 Cadillac XT5 to run about $164 monthly, while liability only coverage will average around $69 per month.

If you're looking for the cheapest possible 2017 Cadillac XT5 insurance policy, Mercury offered the cheapest policy we found, with rates as low as $24 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

Cadillac XT5 Insurance FAQs

Is a Cadillac XT5 expensive to insure?

Liability insurance runs an average of $69 a month, while full coverage will cost you around $173. When compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Cadillac XT5?

There's only one way to confirm you're getting the most affordable rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from lots of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Cadillac XT5 affect my insurance premiums?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. Even though there are several factors car insurance carriers think about when they decide your auto insurance rate, the color of your Cadillac XT5 is not factored into that decision.

Do I need to have insurance before I buy a Cadillac XT5?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid insurance for it. As part of the buying process, some dealerships might offer you an auto insurance policy, but the easiest thing to do is to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Cadillac XT5?

You will find all sorts of discounts out there for car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your XT5 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, reach out to your insurance company and ask about their list of discounts, since they fluctuate quite a bit from company to company.