Best Cadillac SRX Car Insurance in 2025 (Compare the Top 10 Companies)

The article compares these providers based on affordability, customer satisfaction, and coverage flexibility, helping you find the most reliable and cost-effective insurance for your Cadillac SRX. Explore our guide titled “How do customer satisfaction ratings affect car insurance companies?”

Our Top 10 Company Picks: Best Cadillac SRX Car Insurance

The best way to get an idea of how much Cadillac SRX car insurance rates might cost you is by looking at the average amount that people are currently paying. 

Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool above to see affordable car insurance quotes.

Understanding the Insurance Costs for a Cadillac SRX

When examining monthly car insurance rates for a Cadillac SRX, it becomes clear that costs can vary depending on both the level of coverage and the insurance provider chosen. Here’s a breakdown of what you might expect:

For minimum coverage, the monthly premiums range from $68 with USAA to $76 with Farmers, showing a relatively narrow variation among providers. Allstate and Liberty Mutual are close to the higher end, charging $75 and $74 per month, respectively, while Amica offers one of the more affordable options at $69.

Cadillac SRX Car Insurance Monthly Rates by Coverage Level & Provider

In contrast, full coverage rates are naturally higher, with premiums ranging from $155 with USAA and Amica to $175 with both Allstate and Farmers. The middle ground sees companies like Geico and Nationwide offering full coverage at $165 per month, with Liberty Mutual and State Farm slightly higher at $170.

Cadillac SRX Car Insurance Monthly Rates by Coverage Type

Choosing the right provider and coverage level can significantly impact your monthly insurance costs for a Cadillac SRX, making it essential to compare options thoroughly before making a decision. Uncover our comprehensive guide “Amica vs. Nationwide Car Insurance Comparison.”

Delving into the High Cost of Insuring a Cadillac SRX

Cadillac SRX Car Insurance Monthly Rates vs. Similar Vehicles by Coverage Type

Collision coverage for the SRX is $39 per month, placing it in the mid-range; it’s more affordable than the Lincoln MKX and MKC, both at $50, but slightly higher than the Honda CR-V, which costs $34. In terms of minimum coverage, the SRX costs $38 monthly, higher than the Toyota C-HR and Honda CR-V, which are $22 and $26 respectively, yet similar to premium brands like BMW X6 at $33.

For full coverage, the Cadillac SRX stands at $111 per month, which is moderately priced compared to the range of vehicles considered, being more expensive than the Toyota C-HR at $90, but less than the BMW X6 at $152.

Overall, the Cadillac SRX offers a balance between affordability and coverage, especially when compared to both standard and luxury competitors.

Uncovering the Factors Influencing Cadillac SRX Insurance Expenses

When determining the cost of insurance for a Cadillac SRX, several factors come into play, one of the most significant being the specific trim and model of the vehicle you select. The choice of trim and model can influence the overall insurance premium due to variations in features, safety ratings, and repair costs associated with each version.

High-end models with advanced features or higher market values might lead to increased insurance rates, as they are more expensive to repair or replace. Conversely, selecting a base model could result in lower insurance costs, as these versions typically have fewer features that could be costly to repair.

Thus, your decision on the Cadillac SRX trim and model directly affects the insurance premiums you will need to pay. Delve into our guide titled “What factors affect your car insurance quote?”

Age of the Vehicle

Cadillac SRX Car Insurance Monthly Rates by Model Year & Coverage Type

This trend is consistent across comprehensive, collision, and minimum coverage options, with the newest models generally being more expensive to insure. As the vehicle ages, the premiums for both comprehensive and collision coverage tend to decrease slightly, reflecting the diminishing value of the car over time.

Driver Age

Cadillac SRX car insurance rates vary significantly by age, with younger drivers facing much higher monthly premiums. For instance, a 16-year-old can expect to pay around $710 per month, while an 18-year-old’s rate drops to $460.

Cadillac SRX Car Insurance Monthly Rates by Age

As drivers gain more experience and age, these rates continue to decrease, with 20-year-olds paying $285, and those in their 30s seeing a much lower rate of $131. The trend continues with minimal reductions as drivers reach their 40s and 50s, where monthly premiums hover between $115 and $126, and by age 60, the rate stabilizes at $112.

Driver Location

The cost of insuring a Cadillac SRX varies significantly depending on the city. For instance, drivers in Los Angeles, CA, face the highest average monthly premium at $215, while those in New York, NY, enjoy the lowest at just $24.

Cadillac SRX Car Insurance Monthly Rates by City

Other cities like Houston, TX, and Jacksonville, FL, also have relatively high rates at $197 and $183, respectively. In contrast, more affordable options can be found in cities such as Indianapolis, IN, and Columbus, OH, where monthly premiums average $107 and $104. These variations highlight the impact of location on car insurance costs.

Your Driving Record

The cost of insuring a Cadillac SRX varies significantly based on the driver’s age and driving history. Younger drivers, especially those around 16 years old, face the highest premiums, with rates for a clean record starting at $710 per month and escalating to $1,350 if they have a DUI.

Cadillac SRX Car Insurance Monthly Rates by Age & Driving Record

As drivers age, the rates decrease substantially, with a 30-year-old driver paying as low as $131 per month for a clean record. However, any infractions, such as accidents or tickets, lead to noticeable increases in premiums across all age groups. By the time drivers reach 60, rates are considerably lower, ranging from $112 for a clean record to $365 for a DUI.

Cadillac SRX Safety Ratings

The Cadillac SRX boasts strong safety ratings, with “Good” scores in areas such as moderate overlap front, side, roof strength, and head restraints and seats.
Cadillac SRX Safety Ratings

These high safety standards are complemented by a comprehensive set of features, including multiple airbags, 4-wheel ABS, electronic stability control, and child safety locks. These attributes not only contribute to the vehicle’s overall safety but can also positively influence insurance rates, making it a solid choice for safety-conscious drivers.

Cadillac SRX Crash Test Ratings

Cadillac SRX Crash Test Ratings

This includes 4 stars for frontal impact protection and 5 stars for side impact protection, along with a 4-star rating for rollover resistance. These ratings highlight the SRX’s robust safety features and reliability over the years, making it a well-regarded choice in its category.

Cadillac SRX Insurance Loss Probability

Cadillac SRX Car Insurance Loss Probability

This suggests that the Cadillac SRX is associated with fewer claims and lower risks in these categories compared to the industry average, potentially leading to lower insurance premiums for these coverages.

Strategies for Reducing Cadillac SRX Insurance Costs

To save on Cadillac SRX insurance, consider a few effective strategies. Start by reviewing your driving habits, especially when relocating or starting a new job, as changes in your commute can impact rates. Opting for a direct insurer rather than using a broker can also lead to better deals.

Additionally, comparing quotes online is crucial for finding competitive rates. If applicable, inquire about student discounts, and always prioritize safe driving practices by avoiding drinking and driving to maintain lower insurance premiums. Discover more insights in our guide “Student Away at School Car Insurance Discounts.”

Leading Insurance Providers for Cadillac SRX Coverage

Many of these companies offer discounts for security systems and other safety features that the Cadillac SRX offers. State Farm leads the Cadillac SRX car insurance market with 9% of the total premiums written, amounting to over $66 million.

Top Cadillac SRX Car Insurance Providers by Market Share

Geico and Progressive follow, each holding a 6% market share with premiums of approximately $46 million and $41 million, respectively. Allstate and Liberty Mutual each capture 5% of the market. Read up more information in our guide “Where to Find Car Insurance Company Reviews.”

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Other significant providers include Travelers, USAA, Chubb, Farmers, and Nationwide, all with market shares ranging from 3% to 4%. These top ten insurers together dominate the market, offering a variety of options for Cadillac SRX owners.

Get Free Quotes and Compare Cadillac SRX Insurance Online

To start comparing Cadillac SRX car insurance quotes for free, use our online car insurance comparison tool.
You can expect to pay just under $125 monthly on car insurance for a Cadillac SRX. It ranks #12 in the luxury midsize SUV category even though it is considered a crossover utility vehicle.

This is according to dozens of test drives and various reviews of the Cadillac SRX, as well as the analysis of its safety and reliability information. Browse more insights in our guide “How do you get competitive quotes for car insurance?”

Many of its reviewers state that the Cadillac SRX is a crossover utility vehicle that is both stylish and smooth riding. It also has plenty of luxuries that will keep buyers delighted and coming back for more.

Buyers do complain, however, that in order to get the top features, you must buy an upgraded luxurious model. The Cadillac SRX has become a huge success for General Motors, especially since it is the best-selling crossover utility vehicle in the compact luxury class.

Cadillac enthusiasts are no doubt attracted to the styling and detailing, not to mention the long list of available options.

Breaking Down the Insurance Expenses for a Cadillac SRX

One of the main issues of the SRX is the fact that you have to buy one of the top models in order to get many of the features that you would want.

For example, many buyers have been disappointed with the base engine, saying that it is not powerful enough for the SRX‘s hefty size. The Cadillac SRX is considered large for a small luxury sports utility vehicle.

Many critics say that the body is too heavy for the small base engine to handle, and that this affects acceleration to higher speeds.

Cadillac has utilized the extra space created by the large size to add unique and useful cargo features as well as additional passenger seating. An optional turbocharged engine is available; however, it greatly increases the price of the SRX while significantly decreasing fuel economy.

An optional turbocharged engine is available; however, it greatly increases the price of the SRX while significantly decreasing fuel economy.

Also, some of its best features such as the rear seat DVD system and the power tailgate aren’t even available on the most basic model. When you add these features the price of the SRX increases significantly. Uncover our guide titled “Car Insurance Coverage Limits: Explained Simply.”

Essential Factors That Shape Cadillac SRX Insurance Rates

The cost of insuring a Cadillac SRX can vary significantly depending on several factors. Your credit score plays a crucial role; a low score could lead to higher rates, while an excellent score might reduce your annual premium. The distance you drive weekly also matters—short commutes may result in lower costs compared to longer, frequent drives.

The traffic patterns you encounter, such as congested highways versus quieter streets, can impact your premium as well. Additionally, where you live is key; residing in a low-crime area with secure parking generally lowers costs compared to living in high-crime areas with unsecured parking. The number of drivers using the vehicle is another consideration, as having multiple or younger drivers can significantly increase rates.

Lastly, your driving record is essential, with a clean history leading to lower premiums. Given that the Cadillac SRX is a luxury vehicle, it’s vital to weigh all these factors to determine whether it fits within your insurance budget. Read up our guide “Cheap Car Insurance for Young drivers.”

Case Studies: Discovering the Optimal Insurance for a Cadillac SRX

These case studies highlight real scenarios where Cadillac SRX owners found the best car insurance tailored to their specific needs. Each case demonstrates how factors like location, driving record, and coverage preferences can influence the choice of the top insurance provider.

• Case Study #1 – Affordable Rates for a Safe Driver: John, a 35-year-old Cadillac SRX owner from Texas, prioritized affordable premiums. With a clean driving record and strong credit, he found Geico offered him the best Cadillac SRX car insurance at just $68/month. Geico’s comprehensive coverage and excellent customer service sealed the deal for John, ensuring he had peace of mind.
• Case Study #2 – Military Family Discount: Sarah, a military spouse residing in Virginia, needed reliable coverage at an affordable rate. USAA provided her with the best Cadillac SRX car insurance by offering military family discounts, making their already competitive rates even more appealing. The comprehensive coverage and strong customer support made USAA the ideal choice for Sarah’s family.
• Case Study #3 – Customized Coverage for a Young Driver: Mark, a 25-year-old driver in California, needed a policy that could accommodate his age and driving habits. Allstate provided a customized plan that included accident forgiveness and discounts for safety features on his Cadillac SRX. This tailored approach helped Mark secure the best Cadillac SRX car insurance.

These case studies show how different Cadillac SRX owners successfully found the best car insurance by choosing providers that matched their specific needs. Read thoroughly our guide titled “Compare Military Personnel Car Insurance Rates.”

Whether it’s Geico’s affordability, USAA’s military discounts, or Allstate’s customized options, finding the right provider ensures optimal coverage and cost savings. Enter your ZIP code in our free tool below to compare car insurance quotes now!