2023 Cadillac XT5 Car Insurance Calculator

Learn in real-time how the choices you make affect car insurance rates for a 2023 Cadillac XT5. Experiment with factors like annual miles driven, vehicle usage, driver gender, and your marital status. Find out instantly how much your choice changes rates and why.

The average estimated car insurance premium for a 2023 Cadillac XT5 is $2,166 per year, or about $181 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

$2,166

Cost Per Month

$181

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 2023 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.

$2,166
Average Rate
Your Rate
$2,166

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 2023 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 2023 Cadillac XT5 is $2,166.

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.

2023 Cadillac XT5 Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Cadillac XT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus RX 350$2,044-$122
2Infiniti QX50$2,112-$54
3Cadillac XT5$2,166--
4Cadillac XT6$2,206$40
5Acura MDX$2,272$106
6Lincoln Nautilus$2,306$140
7Lexus RX 350L$2,332$166
8Land Rover Discovery Sport$2,334$168
9Jaguar E-Pace$2,356$190
10Volvo V90$2,376$210
11Lexus RX 450h$2,404$238
12Lexus GX 460$2,430$264
13Volvo V60$2,446$280
14Lexus RX 450hL$2,454$288
15Mercedes-Benz AMG GLB35$2,500$334
16Genesis GV80$2,504$338
17Audi SQ5$2,512$346
18Lincoln Aviator$2,532$366
19Infiniti QX60$2,548$382
20Mercedes-Benz GLE450$2,570$404
21Mercedes-Benz GLE350$2,604$438
22Land Rover Discovery$2,616$450
2023 Midsize Luxury SUV Average$2,652$486
23Mercedes-Benz AMG GLC43$2,654$488
24Audi Q7$2,720$554
25Audi e-tron$2,814$648
26Tesla Model X$2,826$660
27Mercedes-Benz AMG GLE53$2,830$664
28BMW X5$2,886$720
29Audi Q8$2,894$728
30Land Rover Range Rover Sport$2,918$752
31Audi SQ7$3,056$890
32BMW iX$3,102$936
33BMW X6$3,160$994
34Porsche Cayenne$3,186$1,020
35Mercedes-Benz AMG GLE63$3,340$1,174
36Audi RS 6$3,394$1,228
37BMW XM$3,722$1,556

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.

2023 XT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Cadillac XT5 Insurance Rates by Trim Level
2023 Cadillac XT5 Trim Level Annual Premium Cost Per Month
Luxury 2WD$2,062$172
Luxury AWD$2,104$175
Premium Luxury 2WD$2,182$182
Premium Luxury AWD$2,216$185
Sport AWD$2,270$189

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 2023 Cadillac XT5 for different driver ages.

2023 Cadillac XT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,690$641
17$7,462$622
18$6,713$559
19$6,102$509
20$4,678$390
21$4,463$372
22$4,003$334
23$3,276$273
24$3,101$258
25$2,514$210
30$2,312$193
35$2,224$185
40$2,166$181
45$2,022$169
50$1,918$160
55$1,792$149
60$1,796$150
65$1,914$160
70$2,060$172
75$2,420$202
80$2,978$248

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.