2024 Cadillac XT5 Car Insurance Calculator

Learn how choices you make impact the cost of insurance for a 2024 Cadillac XT5. Customize choices like coverage deductibles, age of the driver, and policy discounts to learn how each impacts cost. Immediately see how and why rates change based on your selections.

The average estimated car insurance premium for a 2024 Cadillac XT5 is $2,210 per year, or about $184 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

$2,210

Cost Per Month

$184

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 2024 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.

$2,210
Average Rate
Your Rate
$2,210

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 2024 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 2024 Cadillac XT5 is $2,210.

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.

2024 Cadillac XT5 Segment Comparison

The table below compares insurance rates for the 2024 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.

2024 Cadillac XT5 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Jaguar E-Pace$2,190-$20
2Cadillac XT5$2,210--
3Infiniti QX50$2,276$66
4Cadillac XT6$2,292$82
5Infiniti QX60$2,304$94
6Mercedes-Benz AMG GLB35$2,308$98
7Acura MDX$2,342$132
8Lexus RX 350$2,350$140
9Lexus TX 350$2,380$170
10Lexus RX 350h$2,410$200
11Lexus TX 500h$2,446$236
12Lexus RX 500h$2,454$244
13Lincoln Nautilus$2,472$262
14Lexus RX 450h$2,476$266
15Volvo V90$2,496$286
16Audi SQ5$2,584$374
17Mercedes-Benz GLE350$2,616$406
18Lincoln Aviator$2,636$426
19Lexus GX 550$2,664$454
20Volvo V60$2,742$532
21Land Rover Discovery Sport$2,746$536
22Mercedes-Benz GLE450$2,758$548
2024 Midsize Luxury SUV Average$2,782$572
23Cadillac Lyriq$2,784$574
24Volvo EX90$2,806$596
25Audi Q7$2,842$632
26Genesis GV80$2,854$644
27Mercedes-Benz AMG GLC43$2,868$658
28Audi e-tron$2,920$710
29Tesla Model X$2,944$734
30BMW X5$2,992$782
31Audi Q8$3,012$802
32Land Rover Discovery$3,026$816
33Mercedes-Benz AMG GLE53$3,046$836
34Audi SQ7$3,148$938
35BMW iX$3,192$982
36BMW X6$3,272$1,062
37Land Rover Range Rover Sport$3,410$1,200
38Audi RS 6$3,482$1,272
39Porsche Cayenne$3,506$1,296
40BMW XM$3,844$1,634
41Mercedes-Benz AMG GLE63$3,948$1,738

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.

2024 XT5 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 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.

2024 Cadillac XT5 Insurance Rates by Trim Level
2024 Cadillac XT5 Trim Level Annual Premium Cost Per Month
Luxury 2WD$2,122$177
Luxury AWD$2,162$180
Premium Luxury 2WD$2,260$188
Premium Luxury AWD$2,294$191

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 2024 Cadillac XT5 for different driver ages.

2024 Cadillac XT5 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,819$652
17$7,589$632
18$6,832$569
19$6,210$518
20$4,766$397
21$4,547$379
22$4,079$340
23$3,343$279
24$3,161$263
25$2,566$214
30$2,360$197
35$2,268$189
40$2,210$184
45$2,066$172
50$1,956$163
55$1,826$152
60$1,832$153
65$1,952$163
70$2,100$175
75$2,462$205
80$3,028$252

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.