Cadillac SRX Insurance Quotes [Guide + Free Quotes]

Car insurance rates for a Cadillac SRX average $1,510 a year, or around $126 a month. You can find cheap Cadillac SRX insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $887 a year.

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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 8, 2020

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Key Takeaways:

  • Full coverage costs around $1,510 a year or $126 each month
  • A liability-only policy costs around $605 a year or $50 each month
  • Highest rates are for teenage drivers at around $5,519 a year or $460 each month
  • Good drivers can save as much as $623 a year by earning policy discounts
  • Cadillac SRX insurance costs around $9 less per year than the average vehicle

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.

Based on current drivers, the median Cadillac SRX rates cost $1,342 a year for full coverage or $605 a year for minimum coverage.

We put this helpful guide together so you can see how Cadillac SRX insurance rates are determined in a concise format

You can start comparing quotes for Cadillac SRX car insurance rates from some of the best car insurance companies by using our free online tool now.

Cadillac SRX Insurance Cost

The average Cadillac SRX auto insurance rates are $1,510 a year or $126 a month.

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Are Cadillac SRXs Expensive to Insure?

The chart below details how Cadillac SRX insurance rates compare to other crossovers like the Honda CR-V, Toyota C-HR, and Ford EcoSport.

Vehicle Comprehensive Collision Liability Total
Honda CR-V $280 $408 $316 $1,140
Toyota C-HR $254 $452 $258 $1,074
Ford EcoSport $280 $500 $372 $1,310
Lincoln MKC $306 $596 $398 $1,458
Lincoln MKX $294 $596 $398 $1,446
BMW X6 $432 $834 $398 $1,822
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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 SRX Insurance?

The Cadillac SRX trim and model you choose can impact the total price you will pay for Cadillac SRX insurance coverage.

Age of the Vehicle

The average Cadillac SRX auto insurance rates are higher for newer models. For example, auto insurance for a 2016 Cadillac SRX costs $1,510, while 2010 Cadillac SRX insurance costs are $1,256, a difference of $254.

Model Year Comprehensive Collision Liability Total
2016 Cadillac SRX $310 $612 $430 $1,510
2015 Cadillac SRX $292 $592 $442 $1,484
2014 Cadillac SRX $282 $548 $452 $1,440
2013 Cadillac SRX $270 $516 $456 $1,400
2012 Cadillac SRX $258 $464 $460 $1,340
2011 Cadillac SRX $242 $426 $460 $1,286
2010 Cadillac SRX $234 $400 $464 $1,256
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Driver Age

Driver age can have a significant effect on the cost of Cadillac SRX car insurance. For example, a 20-year-old driver could pay around $154 more each month for their Cadillac SRX car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Cadillac SRX insurance rates. For example, drivers in Los Angeles may pay $559 a year more than drivers in Philadelphia.

Your Driving Record

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

Cadillac SRX Safety Ratings

The Cadillac SRX’s safety ratings will affect your Cadillac SRX car insurance rates. See the chart below:

Test Type Rating
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 SRX Crash Test Ratings

Cadillac SRX crash test ratings will affect your Cadillac SRX car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2016 Cadillac SRX SUV FWD 5 stars 4 stars 5 stars 4 stars
2016 Cadillac SRX 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 SRX Safety Features

The safety features of the Cadillac SRX can impact your Cadillac SRX car insurance rates. The Cadillac SRX 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
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Cadillac SRX Insurance Loss Probability

The lower percentage means lower Cadillac SRX car insurance rates; higher percentages mean higher Cadillac SRX auto insurance rates. Insurance loss probability on the Cadillac SRX fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 3%
Property Damage 1%
Comprehensive -16%
Personal Injury -20%
Medical Payment -18%
Bodily Injury -9%
Source: Insurance Institute for Highway Safety
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Cadillac SRX Finance and Insurance Cost

If you are financing a Cadillac SRX, most lenders will require your carry higher Cadillac SRX coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac SRX car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Cadillac SRX Insurance

Save more on your Cadillac SRX car insurance rates. Take a look at the following five strategies that will get you the best Cadillac SRX auto insurance rates possible.

  • Audit Your Cadillac SRX Driving When You Move to a New Location or Start a New Job
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Cadillac SRX
  • Compare Cadillac SRX Quotes Online
  • Ask About Student Discounts
  • Never Drink and Drive Your Cadillac SRX

Top Cadillac SRX Insurance Companies

Who is the best auto insurance company for Cadillac SRX insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac SRX auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac SRX offers.

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 SRX Insurance Quotes 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 $1500 annually 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.

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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.

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How much does insurance cost 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.

The average Cadillac SRX insurance cost is $1510 per year, which works out to be over $7500 over a period of five years.

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What factors impact my car insurance rates for a Cadillac SRX?

This amount may vary from the average depending on the number of conditions:

  • Your credit score – Should your insurance agent or company check your credit score and find it low, you could pay significantly more than the average. Conversely, if your credit score is exceptional, you could find yourself paying less than $1433 per year.
  • Miles you drive per week – If you live a mile away from work you’ll end up paying much less than if you commute 50 miles each way.
  • Normal traffic pattern – If you are constantly driving on congested highways, for example, your premium could be much higher than if you drive on quiet little city streets.
  • Where you live – If you live in a low crime area with a secure location in which to park your vehicle, you will not be paying is much as someone who lives in a high crime area and has to park their vehicle on the street, unsecured.
  • Who drives your vehicle – If you are the sole driver of your vehicle, you will spend much less on your insurance premium that if you have more than one driver assigned to drive your vehicle. Young drivers can put insurance rates through the roof.
  • How you drive – Your driving record will significantly impact your insurance rates.

The Cadillac SRX is considered a luxury vehicle, therefore, it’s important to consider all of the factors when deciding whether or not it is a car you will be able to afford to insure.

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