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How much would car insurance cost for a Cadillac SRX?

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Here's what you need to know...
  • The Cadillac SRX is a luxury vehicle that will cost quite a bit to insure.
  • There are many perks available in the SRX, but most come with an upgraded package, which will cost significantly more than the base rate.
  • There are many factors in addition to the type of vehicle that play a significant role in what you will pay for insurance.
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.

How much would car insurance cost for a Cadillac SRX?

AdobeStock_62082716-1600x1600One 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 insurance premium for the Cadillac SRX is $1433 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?

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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 the 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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