2021 Cadillac XT5 Car Insurance Calculator

Discover how decisions you make impact the cost of car insurance for a 2021 Cadillac XT5. Set options like gender of the driver, whether you're married or single, and the state and city you live in to see how rates are impacted. Instantly discover if the change results in higher or lower rates.

The average estimated car insurance premium for a 2021 Cadillac XT5 is $2,048 per year, or about $171 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

$2,048

Cost Per Month

$171

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 2021 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.

$2,048
Average Rate
Your Rate
$2,048

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 2021 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 2021 Cadillac XT5 is $2,048.

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.

2021 Cadillac XT5 Segment Comparison

The table below compares insurance rates for the 2021 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.

2021 Cadillac XT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Volvo V60$2,004-$44
2Cadillac XT5$2,048--
3Lincoln Nautilus$2,108$60
4Lexus RX 350$2,146$98
5Infiniti QX50$2,154$106
6Jaguar E-Pace$2,166$118
7Lexus RX 350L$2,206$158
8Cadillac XT6$2,228$180
9Acura MDX$2,254$206
10Genesis GV80$2,296$248
11Mercedes-Benz GLE450$2,302$254
12Lincoln Aviator$2,326$278
13Volvo V90$2,340$292
14Infiniti QX60$2,378$330
15Land Rover Discovery Sport$2,388$340
16Lexus GX 460$2,424$376
2021 Midsize Luxury SUV Average$2,440$392
17Mercedes-Benz AMG GLC43$2,484$436
18Land Rover Discovery$2,500$452
19Audi SQ5$2,508$460
20Mercedes-Benz GLE350$2,518$470
21Lexus RX 450$2,546$498
22Audi Q8$2,560$512
23BMW X5$2,562$514
24Mercedes-Benz AMG GLC63$2,642$594
25Audi Q7$2,646$598
26Audi e-tron$2,730$682
27BMW X6$2,796$748
28Tesla Model X$2,888$840
29Porsche Cayenne$2,958$910
30Mercedes-Benz AMG GLE63$3,090$1,042

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.

2021 XT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Cadillac XT5 Insurance Rates by Trim Level
2021 Cadillac XT5 Trim Level Annual Premium Cost Per Month
Luxury 2WD$1,962$164
Luxury AWD$2,004$167
Premium Luxury 2WD$2,028$169
Premium Luxury AWD$2,090$174
Sport AWD$2,156$180

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 2021 Cadillac XT5 for different driver ages.

2021 Cadillac XT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,324$610
17$7,101$592
18$6,374$531
19$5,795$483
20$4,440$370
21$4,234$353
22$3,789$316
23$3,101$258
24$2,935$245
25$2,380$198
30$2,184$182
35$2,102$175
40$2,048$171
45$1,914$160
50$1,814$151
55$1,694$141
60$1,700$142
65$1,814$151
70$1,954$163
75$2,302$192
80$2,838$237

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.