2020 Cadillac XT5 Car Insurance Calculator

Discover how different risk factors affect the cost of insurance for a 2020 Cadillac XT5. Fine-tune factors like driver gender, whether you're married or single, the state and city you live in, and homeowner status. Instantly see if your choice increases or decreases premiums and why.

The average estimated car insurance premium for a 2020 Cadillac XT5 is $1,984 per year, or about $165 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,984

Cost Per Month

$165

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Cadillac XT5 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2020 Cadillac XT5.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,984
Average Rate
Your Rate
$1,984

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2020 Cadillac XT5 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Cadillac XT5 is $1,984.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Cadillac XT5 Segment Comparison

The table below compares insurance rates for the 2020 Cadillac XT5 against all other models in the midsize luxury SUV segment. The Cadillac XT5 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Cadillac XT5, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Cadillac XT5.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Cadillac XT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$1,942-$42
2Cadillac XT5$1,984--
3Lincoln Nautilus$2,044$60
4Lexus RX 350$2,076$92
5Infiniti QX50$2,088$104
6Jaguar E-Pace$2,098$114
7Lexus RX 350L$2,138$154
8Cadillac XT6$2,160$176
9Acura MDX$2,180$196
10Mercedes-Benz GLE450$2,230$246
11Lincoln Aviator$2,252$268
12Volvo V90$2,270$286
13Infiniti QX60$2,308$324
14Land Rover Discovery Sport$2,318$334
15Lexus GX 460$2,352$368
2020 Midsize Luxury SUV Average$2,368$384
16Mercedes-Benz AMG GLC43$2,410$426
17Land Rover Discovery$2,418$434
18Audi SQ5$2,428$444
19Mercedes-Benz GLE350$2,440$456
20Lexus RX 450$2,460$476
21Audi Q8$2,472$488
22BMW X5$2,476$492
23Audi Q7$2,556$572
24Mercedes-Benz AMG GLC63$2,564$580
25Audi e-tron$2,646$662
26BMW X6$2,704$720
27Tesla Model X$2,796$812
28Porsche Cayenne$2,864$880
29Mercedes-Benz AMG GLE63$2,990$1,006

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 XT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Cadillac XT5.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Cadillac XT5 Insurance Rates by Trim Level
2020 Cadillac XT5 Trim Level Annual Premium Cost Per Month
Luxury 2WD$1,902$159
Luxury AWD$1,944$162
Premium Luxury 2WD$1,964$164
Premium Luxury AWD$2,026$169
Sport AWD$2,090$174

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Cadillac XT5 for different driver ages.

2020 Cadillac XT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,115$593
17$6,891$574
18$6,178$515
19$5,620$468
20$4,302$359
21$4,105$342
22$3,673$306
23$3,008$251
24$2,846$237
25$2,306$192
30$2,116$176
35$2,040$170
40$1,984$165
45$1,858$155
50$1,762$147
55$1,644$137
60$1,650$138
65$1,760$147
70$1,896$158
75$2,238$187
80$2,762$230

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Cadillac XT5 trim levels.