Cadillac XT5 vs. Lexus RX 350 – Which Car Insurance is Cheaper?

• For the latest model year, a Cadillac XT5 has less-expensive car insurance than a Lexus RX 350 by an average of $140 per year.
• Average car insurance cost per month for the Lexus RX 350 is 6.3% more expensive than the Cadillac XT5, at $184 versus $196, a difference of $12.
• Out of 41 models in the 2024 midsize luxury SUV segment, the Cadillac XT5 ranks second and the Lexus RX 350 ranks eighth for insurance affordability.

Is Cadillac XT5 or Lexus RX 350 insurance cheaper?

Car insurance rates for a 2024 Cadillac XT5 cost an average of $2,210 per year, whereas a 2024 Lexus RX 350 averages $2,350 per year, making the Cadillac XT5 the cheaper of the two models to insure.

For the four trims available for the 2024 Cadillac XT5, the cheapest trim to insure is the Luxury 2WD trim at an average cost of $2,122 per year. The 2024 Lexus RX 350 has nine trim levels available, with the cheapest trim level to insure being the Base FWD trim at an average cost of $2,238 per year.

When comparing aggregated rates for both models from a trim-level perspective, the most affordable model and trim level is the Cadillac XT5 Luxury 2WD at an average of $2,122 per year, and the overall most expensive vehicle to insure is the Lexus RX 350 Luxury AWD costing an average of $2,484 per year.

The table below compares the yearly and monthly cost of car insurance for 2024 Cadillac XT5 and Lexus RX 350 models, broken down by trim level.

The chart below shows the average cost to insure both 2024 models with different drivers at the wheel. The average car insurance cost ranges from $1,956 to $4,442 per year for a 2024 Cadillac XT5, and $2,068 to $4,746 for a 2024 Lexus RX 350 for the example age groups.

The tables shown below illustrate average car insurance cost by trim level for a 2024 Cadillac XT5 and Lexus RX 350, plus the average rate for each model. The model with the cheapest average car insurance rates for 2024 is the Cadillac XT5.

2023 Cadillac XT5 vs. Lexus RX 350

For new XT5 and RX models, the cheaper model to insure on average is the Lexus RX 350. Average insurance rates for the Cadillac XT5 are $2,166 per year, and insurance for a Lexus RX 350 averages $2,044 per year.

Out of five Cadillac XT5 trims, the cheapest 2023 model to insure is the Luxury 2WD model at an average cost of $2,062 per year, or about $172 per month. For the four trim levels available for the Lexus RX 350, the cheapest 2023 trim to insure is the Base 2WD model at a cost of $1,994 per year, or $166 per month.

When all nine trims of both models are combined and compared, the lowest-cost model and trim to insure is the Lexus RX 350 Base 2WD at a cost of $1,994 per year, and the most expensive trim is the Cadillac XT5 Sport AWD at an average cost of $2,270 per year.

The table below compares and ranks the 12-month and monthly car insurance cost for 2023 Cadillac XT5 and Lexus RX 350 models, showing average cost by trim level for each model.

The chart shown below visualizes the average cost to insure the two models rated for a variety of different driver ages. Insurance cost ranges from $1,918 to $4,360 per year for a 2023 Cadillac XT5, and $1,798 to $4,062 for a 2023 Lexus RX 350 for the included age groups.

The next two tables show average car insurance cost by trim level for each 2023 model, including an overall average cost for each model. The winner for the 2023 car insurance comparison is the Lexus RX 350.

2022 Cadillac XT5 vs. Lexus RX 350

Average car insurance rates for a 2022 Cadillac XT5 are $2,102 per year, while insurance for a 2022 Lexus RX 350 averages $2,202 per year, making the Cadillac XT5 the model with more affordable average car insurance rates.

For a 2022 Cadillac XT5, insurance rates range from $2,012 per year for the Luxury 2WD model up to $2,208 for the Sport AWD model. The cheapest models are the Luxury 2WD, Luxury AWD, and Premium Luxury 2WD.

For a 2022 Lexus RX 350, rates range from $2,114 per year for the 2WD model up to $2,284 for the Black Line Special Edition AWD model. The cheapest Lexus RX 350 models include the 2WD, AWD, and F Sport 2WD.

On a monthly basis, insurance rates for all 2022 Cadillac XT5 and Lexus RX 350 models and trims range from $168 to $190 per month.

The table below compares annual and monthly car insurance cost for a 2022 Cadillac XT5 and Lexus RX 350. Rates for both models are combined and sorted from lowest to highest cost to allow for easy comparison of cost for individual models.

The chart shown below shows the average cost to insure both models rated for different driver ages. Average car insurance cost ranges from $1,862 to $4,242 per year for a 2022 Cadillac XT5, and $1,938 to $4,408 for a 2022 Lexus RX 350 for the example age groups.

For the five trims available for the 2022 Cadillac XT5, the cheapest trim to insure is the Luxury 2WD model at an average cost of $2,012 per year, or $168 per month.

Out of the six trim levels available for the Lexus RX 350, the cheapest 2022 model to insure is the 2WD trim at a cost of $2,114.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level to insure is the Cadillac XT5 Luxury 2WD at a cost of $2,012 per year, and the highest-cost model and trim level is the Lexus RX 350 Black Line Special Edition AWD at an average of $2,284 per year.

The next tables display the cost to insure the available trim levels for both 2022 models, plus an average rate for each model. The cheapest to insure for the 2022 model year is the Cadillac XT5.

2021 Cadillac XT5 vs. Lexus RX 350

For the 2021 Cadillac XT5 and Lexus RX 350 models, the Cadillac XT5 has cheaper car insurance cost by an average of $98 per year for this comparison year.

The chart shown below visualizes the average cost to insure both models rated for drivers aged 20 to 50. For a 2021 Cadillac XT5, the average cost of car insurance ranges from $1,814 to $4,140 per year for the included driver ages. A 2021 Lexus RX 350 costs from $1,890 to $4,304 to insure per year.

For the five trim levels available for the 2021 Cadillac XT5, the cheapest trim to insure is the Luxury 2WD trim at an average cost of $1,962 per year. The 2021 Lexus RX 350 has eight trim levels available, with the cheapest trim level to insure being the 2WD model at an average cost of $2,072 per year.

When rates for all 13 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Cadillac XT5 Luxury 2WD at an average cost of $1,962 per year, and the most expensive vehicle to insure is the Lexus RX 350 F Sport Performance 4WD at a cost of $2,200 per year.

The next two rate tables show average car insurance cost by trim level for a 2021 Cadillac XT5 and Lexus RX 350, including an overall average rate. The 2021 Cadillac XT5 has more affordable average car insurance rates than the 2021 Lexus RX 350.

2020 Cadillac XT5 vs. Lexus RX 350

When comparing insurance cost for 2020 models, the Cadillac XT5 costs an average of $1,984 per year to insure and the Lexus RX 350 costs $2,076, making the Cadillac XT5 the winner by $92 for 2020.

The rate chart below demonstrates the average cost to insure the two models for drivers from age 20 to 50. For a 2020 Cadillac XT5, average insurance cost ranges from $1,762 to $4,012 per year. A 2020 Lexus RX 350 costs from $1,830 to $4,162 to insure per year.

Out of five trims for the 2020 Cadillac XT5, the cheapest average car insurance prices are on the Luxury 2WD model at a cost of $1,902 per year. For the eight trims available for the Lexus RX 350, the cheapest 2020 model to insure is the 2WD trim at a cost of $2,008 per year, or about $167 per month.

When all 13 trims of both models are combined and compared, the most affordable model and trim level to insure is the Cadillac XT5 Luxury 2WD at a cost of $1,902 per year, and the most expensive model and trim level is the Lexus RX 350 F Sport Performance 4WD at an average cost of $2,130 per year.

The next tables illustrate all the available trims for both 2020 models, including the average rate for each model. The 2020 Cadillac XT5 has cheaper average car insurance rates than the 2020 Lexus RX 350.

2019 Cadillac XT5 vs. Lexus RX 350

When comparing car insurance rates for 2019 models, the Cadillac XT5 costs an average of $1,864 per year to insure and the Lexus RX 350 costs $2,018, making the Cadillac XT5 the winner by $154 for this comparison year.

The chart shown below visualizes the average cost to insure both 2019 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2019 Cadillac XT5, insurance cost ranges from $1,646 to $3,742 per year for the included age groups. A 2019 Lexus RX 350 costs from $1,780 to $4,056 to insure per year.

For the seven trims available for the 2019 Cadillac XT5, the cheapest trim level to insure is the 2WD trim at an average cost of $1,764 per year, or around $147 per month. Out of the three trim levels available for the Lexus RX 350, the cheapest 2019 trim level to insure is the 2WD model at a cost of $2,000.

When comparing rates by trim level for both models, the cheapest trim to insure is the Cadillac XT5 2WD at an average rate of $1,764 per year, and the overall most expensive vehicle to insure is the Lexus RX 350 F Sport 4WD at an average of $2,058 per year.

The rate tables below display trim level insurance rates for each 2019 model, plus an average rate for each model. The 2019 Cadillac XT5 wins the head-to-head comparison over the 2019 Lexus RX 350 for the cheapest overall car insurance rates.

2018 Cadillac XT5 vs. Lexus RX 350

For the 2018 Cadillac XT5 and Lexus RX 350 models, the Cadillac XT5 has cheaper car insurance rates by an average of $132 per year for this comparison year.

The next chart illustrates the average cost to insure the two models using drivers aged 20 to 50. Average car insurance cost ranges from $1,558 to $3,522 per year for a 2018 Cadillac XT5, and $1,668 to $3,784 for a 2018 Lexus RX 350 for the age groups used in the chart.

Out of seven trim levels for the 2018 Cadillac XT5, the cheapest auto insurance rates are on the 2WD trim at a cost of $1,680 per year, or $140 per month. For the four trims available for the Lexus RX 350, the cheapest 2018 trim level to insure is the 2WD trim at a cost of $1,846.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Cadillac XT5 2WD at an average of $1,680 per year. The most expensive model and trim level is the Lexus RX 350 F Sport 4WD costing $1,958 per year.

The next two rate tables display average car insurance rates for every trim level for both 2018 models, plus the average rate for each model.

2017 Cadillac XT5 vs. Lexus RX 350

For the 2017 Cadillac XT5 and Lexus RX 350 models, the Cadillac XT5 is cheaper to insure by an average of $136 per year for this model year.

The next chart visualizes the average cost to insure both 2017 models rated for different driver ages. Average insurance cost ranges from $1,484 to $3,352 per year for a 2017 Cadillac XT5, and $1,602 to $3,628 for a 2017 Lexus RX 350.

For the six trim levels available for the 2017 Cadillac XT5, the cheapest trim to insure is the 2WD trim at an average cost of $1,562 per year, or around $130 per month.

Out of the four trim levels available for the Lexus RX 350, the cheapest 2017 trim to insure is the 2WD trim at a cost of $1,772 per year, or around $148 per month.

When rates are compared for the 10 trim levels of both 2017 models, the cheapest vehicle to insure is the Cadillac XT5 2WD at an average rate of $1,562 per year, and the highest-cost model and trim is the Lexus RX 350 F Sport 4WD costing $1,878 per year.

The next tables show the expected annual car insurance cost by trim level for both 2017 models, as well as an average rate for each model. The model with the cheapest overall car insurance cost for 2017 is the Cadillac XT5.

Additional Cadillac XT5 and Lexus RX 350 Resources

• Cadillac XT5 Car Insurance Rates
• Lexus RX 350 Car Insurance Rates
• Midsize Luxury SUV Insurance Rate Comparisons