2022 Cadillac XT5 Car Insurance Calculator

Explore and learn how the choices you make impact the cost of car insurance for a 2022 Cadillac XT5. Update factors like your location, homeowner status, and credit score to get insights on how rates change. Immediately see if rates go up or down and learn why.

The average estimated car insurance premium for a 2022 Cadillac XT5 is $2,102 per year, or about $175 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

$2,102

Cost Per Month

$175

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 2022 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.

$2,102
Average Rate
Your Rate
$2,102

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 2022 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 2022 Cadillac XT5 is $2,102.

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.

2022 Cadillac XT5 Segment Comparison

The table below compares insurance rates for the 2022 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.

2022 Cadillac XT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac XT5$2,102--
2Infiniti QX50$2,160$58
3Jaguar E-Pace$2,192$90
4Lexus RX 350$2,202$100
5Acura MDX$2,214$112
6Lexus RX 450h$2,254$152
7Lexus RX 350L$2,282$180
8Cadillac XT6$2,298$196
9Volvo V60$2,310$208
10Land Rover Discovery Sport$2,318$216
11Land Rover Discovery$2,328$226
12Lincoln Nautilus$2,340$238
13Lexus RX 450hL$2,346$244
14Volvo V90$2,368$266
15Mercedes-Benz GLE350$2,396$294
16Lincoln Aviator$2,408$306
17Mercedes-Benz AMG GLB35$2,436$334
18Mercedes-Benz GLE450$2,442$340
19Genesis GV80$2,446$344
20Lexus GX 460$2,478$376
21Infiniti QX60$2,488$386
22Audi SQ5$2,526$424
2022 Midsize Luxury SUV Average$2,575$473
23Mercedes-Benz AMG GLC43$2,590$488
24BMW X5$2,718$616
25Audi Q7$2,802$700
26Land Rover Range Rover Sport$2,832$730
27BMW iX$2,854$752
28Audi Q8$2,866$764
29Tesla Model X$2,892$790
30Audi e-tron$2,900$798
31Audi SQ7$2,980$878
32Mercedes-Benz AMG GLE53$3,018$916
33BMW X6$3,086$984
34Mercedes-Benz AMG GLE63$3,216$1,114
35Porsche Cayenne$3,248$1,146
36Audi RS 6$3,354$1,252

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.

2022 XT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Cadillac XT5 Insurance Rates by Trim Level
2022 Cadillac XT5 Trim Level Annual Premium Cost Per Month
Luxury 2WD$2,012$168
Luxury AWD$2,052$171
Premium Luxury 2WD$2,102$175
Premium Luxury AWD$2,136$178
Sport AWD$2,208$184

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 2022 Cadillac XT5 for different driver ages.

2022 Cadillac XT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,495$625
17$7,269$606
18$6,530$544
19$5,936$495
20$4,550$379
21$4,340$362
22$3,889$324
23$3,183$265
24$3,012$251
25$2,442$204
30$2,244$187
35$2,158$180
40$2,102$175
45$1,966$164
50$1,862$155
55$1,738$145
60$1,744$145
65$1,858$155
70$2,004$167
75$2,356$196
80$2,904$242

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.