Cadillac XT5 Insurance Cost Estimate [List of Money Saving Tips]

Average Cadillac XT5 auto insurance rates cost $1,624 a year, or around $135 a month. Finding Cadillac XT5 teenager insurance coverage can cost on average $5,936 a year, so shop around to find cheap rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 17, 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

Cadillac XT5 insurance rates are about $105 more per year than the average vehicle with full coverage costing around $1,624 a year or $135 a month. Good drivers can save up to $670 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Cadillac XT5 insurance rates, crash test ratings, and more.

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 rates 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 Toyota Highlander, Ford Edge, and Cadillac Escalade ESV.

Vehicle Comprehensive Collision Liability Total
Cadillac XT5 $376 $718 $372 $1,624
Toyota Highlander $332 $512 $390 $1,392
Ford Edge $266 $500 $372 $1,296
Cadillac Escalade ESV $464 $720 $390 $1,732
Jeep Grand Cherokee $322 $562 $372 $1,414
Audi Q3 $344 $686 $398 $1,586
Mercedes-Benz GLC 300 $412 $810 $390 $1,770
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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?

You might have noticed that there is a multitude of factors that impact Cadillac XT5 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Cadillac XT5.

Age of the Vehicle

The average Cadillac XT5 car insurance rates are higher for newer models. 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 impact on Cadillac XT5 auto insurance rates. For example, 20-year-old drivers pay approximately $1,987 more each year for their Cadillac XT5 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Cadillac XT5 insurance rates. For example, drivers in Los Angeles may pay $1,397 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Cadillac XT5 auto insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac XT5 auto insurance rates 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

If the Cadillac XT5 crash test ratings are good, you could have lower Cadillac XT5 car insurance rates. See Cadillac XT5 crash test results below:

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 numerous safety features of the Cadillac XT5 help contribute to lower insurance rates. The 2020 Cadillac XT5 has the following safety features:

  • 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

If you are 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

There are many ways that you can save on Cadillac XT5 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Cadillac XT5 car insurance rates low.

  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Ask About Loyalty Discounts
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Carpool to Work Instead of Driving Your Cadillac XT5
  • Understand that Your Insurer Can Change Your Cadillac XT5 Auto Insurance Rates Mid-Term for Other Reasons

Top Cadillac XT5 Insurance Companies

The best auto insurance companies for Cadillac XT5 car insurance rates will offer competitive rates, discounts, and account for the Cadillac XT5’s safety features. The following list of car insurance companies outlines which companies hold the highest 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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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