- It costs more to insure a Cadillac XT6 than the average SUV.
- Full coverage insurance for a XT6 averages around $194 per month, on average, while liability only insurance generally comes in at about $217.
- Encompass is the lowest car insurance carrier for a XT6.
In This Article
With 2022 models starting at $42,995, the Cadillac XT6 is a great mid-level SUV for drivers of all types. With five different trim levels currently available, there's an option for every driver.
After analyzing thousands of auto insurance quotes through Compare.com, we've determined that, on average, Cadillac XT6 car insurance premiums run around $195 a month. How do auto insurance prices for the XT6 compare to rates of other similar SUVs?
|Current Base Price||$42,995|
|Trim Levels||PLATINUM PREMIUM LUXURY, LUXURY, PREMIUM LUXURY, SPORT PLATINUM, SPORT|
|Average Insurance Premium||$195/mo.|
|Cheapest Insurance Company||Encompass|
How Much is Car Insurance for a Cadillac XT6?
|Vehicle||Liability Only||Full Coverage|
|All Cadillac Models||$77||$169|
|Average Insurance Premium||$81||$169|
You can see in the table above that insurance premiums for a Cadillac XT6 are above average. On average, XT6 owners will pay about $194 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $217 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).
Compared to other models, the XT6 is more expensive, with prices around 15% higher than other vehicles in Cadillac's lineup. Compared to SUV offerings from other brands, car insurance for a XT6 is similarly on the expensive side, with full coverage insurance rates coming in about 28% more and 171% more for liability only insurance.
Overall, they're just more expensive to insure than the average vehicle, regardless of which body style, model, or make you compare it to.
Who has the Cheapest Car Insurance for a Cadillac XT6?
|Insurance Company||Average Monthly Premium|
Are you searching for an auto insurance policy for your Cadillac XT6? You're probably wondering which company offers the most affordable rates. While costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $217 per month from Liberty Mutual.
But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Cadillac XT6.
Car insurance carriers take lots of different factors into consideration when calculating monthly premiums. By getting quotes from a wide array of insurance companies at once, you can guarantee you're finding the cheapest rate.
What Factors Affect Car Insurance Rates for a Cadillac XT6?
There are a lot of variables that auto insurance carriers take into account to decide how much to charge for car insurance -- and every carrier weighs different pieces more heavily than others, so there's not a single company that's the most affordable for each XT6 owner.
Below are just a few of the things insurance companies look at and how each one affects your final rate:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$217|
|2-3 Years||Not Enough Data|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
The Cadillac XT6 has only been around for one model year, so vehicle age won't affect your cost in the same way it might for other vehicles. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.
As you can see in the table above, XT6 prices are usually around $217 a month.
|Age||Average Monthly Premium|
Your age is another variable that makes a difference in how much auto insurance carriers will charge for a policy. Because the Cadillac XT6 is pretty new to the market, we're just starting to collect data on how age is affecting insurance rates. So far, based on the table above, younger drivers have cheaper premiums than those with more experience.
Auto insurance prices continue to decrease as you get older, with the cheapest age group being 35-44 for XT6 drivers.
|Gender||Average Monthly Premium|
Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates.
Where You Live
|State||Average Monthly Premium|
You were probably already aware that factors like how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live is just as important. Because auto insurance is regulated on the state level rather than nationally, prices fluctuate quite a bit depending on what state you reside in.
Because the XT6 is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than other locations.
Cadillac XT6 Car Insurance Discounts
No matter how old you are, which car you drive, or where you live, it's always in your best interest to take advantage of as many car insurance discounts as possible when shopping around for a policy.
While no two insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:
- Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
- Multi-car discounts for adding more than one vehicle to 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 carrier
While taking advantage of discounts is always a smart way to save money on your auto insurance, sometimes the best way to save is just by having a profile that looks good to car insurance companies.
Of course, you can't control every single aspect of your insurance profile (like some of the factors we mentioned above), but there is quite a bit of it that you can influence. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:
Your Driving Record
|Infractions||Average Monthly Premium|
|1 Accident||Not Enough Data|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
It's no secret that auto insurance carriers offer the lowest rates to drivers with a history of responsible driving. It should be no surprise that your insurance prices will increase if you get cited for speeding or get into a collision. But you're probably wondering exactly how much these infractions can cost you.
Unfortunately, we don't have enough data on file for Cadillac XT6 drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost XT6 drivers when it comes to auto insurance.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
How much you drive annually plays a big role when it comes to your car insurance premiums. Those who drive less often are less likely to get speeding tickets, so they'll normally get less expensive prices. Since the Cadillac XT6 is a new SUV, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums. So far, drivers who travel 2,501 - 5,000 miles each year are offered the most affordable rates.
But if you don't drive much because you work from home or have a second vehicle, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Cadillac XT6s Compare to Other Vehicles?
If you're considering making a Cadillac XT6 your next vehicle, it might be helpful to do your research. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.
Take a look at the table below to see how the Cadillac XT6 compares:
|Cadillac XT6||National Average|
|Full Coverage Insurance||$127||$169|
|Average Annual Mileage||5,000||11,617|
As you can see, the Cadillac XT6 is right on par with the average vehicle price here in the U.S. The national average vehicle price is $46,192, and the XT6 comes in close to that at $42,995.
Full coverage insurance for a Cadillac XT6 is about $42 a month cheaper than average, while liability only coverage is per month.
However, it is worth noting that the XT6 owners tend to drive their cars less than the average American driver, with only 5,000 annual miles for the average owner.
Cadillac XT6 Car Insurance Costs by Model Year
You've seen how different variables can affect how much you might pay for car insurance. If you're considering buying a new XT6, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your options.
2020 Cadillac XT6 Car Insurance
|Liability Only Avg. Premium||$217|
|Full Coverage Avg. Premium||$198|
|Cheapest Insurance Company||Liberty Mutual - $217/mo.|
|Available Trims||PLATINUM PREMIUM LUXURY, PREMIUM LUXURY, SPORT, SPORT/PLATINUM SPORT|
It costs around $217 monthly for liability or $198 for a full coverage policy for the 2020 XT6.
Liberty Mutual offered the most affordable policy we found, with rates as little as $217 a month.
If you want to know exactly how much you can expect to pay for your XT6, get free quotes in minutes by just entering your ZIP code below.
Cadillac XT6 Insurance FAQs
Is a Cadillac XT6 expensive to insure?
Liability insurance runs an average of $217 monthly, while full coverage will cost you around $194. When compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum.
How can I get the best price on car insurance for my Cadillac XT6?
The only way to confirm you're getting the cheapest price on auto insurance is to check prices regularly and compare quotes from several companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Cadillac XT6 affect my insurance prices?
You might have heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. There are an array of things insurance companies use when they offer you a premium, but your XT6's color is not one of them.
Do I need to have insurance before I buy a Cadillac XT6?
You'll need to have a valid car insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your insurance company know beforehand.
What car insurance discounts can I get for my Cadillac XT6?
There are a multitude of different discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your XT6 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to be certain is to reach out to your insurance carrier and ask about which discounts they offer.