Cadillac XT5 Insurance: 2025 Rates, Insights, Comparisons

• Cadillac XT5 insurance costs an average of $2,264 per year, or around $189 per month for full coverage.
• With an insurance cost range of $178, the cheapest XT5 to insure is the Luxury 2WD model costing around $2,174 per year, and the most expensive trim being the Premium Luxury AWD at $2,352 annually.
• When compared to the entire 2024 midsize luxury SUV segment, the XT5 ranks near the top at second out of 41 total comparison vehicles.

How much does Cadillac XT5 car insurance cost?

Cadillac XT5 car insurance rates average $2,264 a year for full coverage for the 2024 model year. Depending on the trim level being insured, monthly car insurance rates for a Cadillac XT5 range from $181 to $196.

Insuring a Cadillac XT5 with full coverage cost on average $586 or 22.9% less per year than the average rate for comparable luxury SUV models.

When split out by coverage type, liability and medical payments insurance are around $636 a year, comprehensive (or other-than-collision) coverage is approximately $568, and the remaining collision insurance costs about $1,060.

The following chart shows average car insurance rates for a 2024 Cadillac XT5 using a range of driver ages and risk profiles.

We chose ten rates to display in the chart above, but to give you an idea of the enormous number of possible rates, consider this. If we displayed all rates for every conceivable data combination, including all four Cadillac XT5 trim levels and every zip code in the U.S., the chart would display around 387,072,000,000 unique rate possibilities.

As another example, drivers can buy liability-only coverage on an XT5 in some parts of Illinois or Wisconsin for as little as $205 a year. For an identical XT5, a 16-year-old driver with a couple of driving violations and an accident or two in some neighborhoods in New York City could total as much as $17,748 a year for full coverage.

Those examples aren’t meant to confuse, but rather to reinforce the importance of making a habit of comparing rates at least once a year. Even the best car insurance companies change rates occasionally, so the great rate you had last year may not still be the cheapest available.

How much is Cadillac XT5 insurance per month?

With Cadillac XT5 insurance rates ranging from $181 to $196 per month, the most budget-friendly model to insure is the Luxury 2WD. The next cheapest model to insure is the Luxury AWD at $185 per month.

The highest cost trim levels of Cadillac XT5 to insure are the Premium Luxury AWD at $2,352 and the Premium Luxury 2WD at $2,316 per year. Those trim levels will cost an extra $178 and $142 per year, respectively, over the lowest cost Luxury 2WD model.

The table below displays average car insurance rates for 12-month and 6-month policy terms, including a monthly budget figure, for each Cadillac XT5 package and trim.

Does XT5 insurance cost more than similar vehicles?

The Cadillac XT5 costs an average of $2,264 per year to insure for full coverage, while the segment average cost is $2,850 per year, a difference of $586 per year.

When compared to other popular models, insuring a Cadillac XT5 is on average:

• $94 less per year than the Infiniti QX60
• $270 less per year than the Lincoln Nautilus
• $464 less per year than the Lexus GX 550
• $416 less per year than the Mercedes-Benz GLE350
• $1,008 less per year than the BMW iX

The table below shows how average Cadillac XT5 car insurance rates compare to the entire 2024 midsize luxury SUV class for insurance affordability.

Comparing the average cost of insurance on an XT5 to midsize luxury SUV models that have similar MSRP values provides another useful way to analyze rates.

For the 2024 model, the average purchase price for an XT5 is $48,605, ranging from $43,895 to $53,315, depending on the trim level.

The four midsize luxury SUV models that have the most similar sticker prices to the Cadillac XT5 are the Jaguar E-Pace, Land Rover Discovery Sport, Mercedes-Benz AMG GLB35, and Infiniti QX50. The list below shows how they compare to a 2024 XT5 for both purchase price and average insurance cost.

• Compared to the Jaguar E-Pace – The 2024 Cadillac XT5 has an average MSRP that is $895 cheaper than the Jaguar E-Pace ($48,605 versus $49,500). Expect to pay around $22 less per year for full-coverage insurance on the Jaguar E-Pace compared to an XT5.
• Compared to the Land Rover Discovery Sport – The average MSRP for a 2024 Cadillac XT5 is $3,570 cheaper than the Land Rover Discovery Sport, at $48,605 compared to $52,175. The cost to insure a Cadillac XT5 compared to the Land Rover Discovery Sport is $550 less per year on average.
• Compared to the Mercedes-Benz AMG GLB35 – The Mercedes-Benz AMG GLB35 sells for an average of $52,450 ($51,500 to $53,400), which is $3,845 more expensive than the XT5. Insurance on the Cadillac XT5 costs an average of $100 less each year than the Mercedes-Benz AMG GLB35.
• Compared to the Infiniti QX50 – For a new model, the sticker price on the Infiniti QX50 averages $5,105 less than the average MSRP for the XT5 ($43,500 compared to $48,605). Full-coverage insurance on the Infiniti QX50 costs an average of $66 more each year than the Cadillac XT5.

For a full list of our head-to-head car insurance cost comparisons, please visit our comparisons index page, which has links to many other makes and models.

Cadillac XT5 car insurance cost by state

There are several factors that have a big impact on the rate you’ll pay to insure a Cadillac XT5 (or any vehicle for that matter). One is driver age, another is the insured’s driving history (tickets and at-fault accidents), and the third is where the driver lives.

The table below shows how much an insured’s location can change the cost of XT5 insurance. Every state has different laws and regulations affecting the cost of car insurance. Some, like Iowa, Maine, and Idaho, are quite affordable, while others, like Louisiana and Michigan, are just downright expensive.

Car insurance rates can vary not only between states but also between cities within any particular state. And if you want to get even more granular, rates can differ substantially even within city limits.

This variability reinforces the importance of getting car insurance quotes regularly based on your specific zip code. We encourage you to enter your zip code in the field above and click the large ‘GO’ button. This will allow you to compare rates from many of the best companies that sell car insurance in your area.

Additional Rates and Data Insights

More important data observations regarding Cadillac XT5 insurance cost include:

• High-risk insurance is expensive. For a 20-year-old driver, having enough accidents and violations to require a high-risk insurance policy could inflate rates by $3,558 or more per year.
• Raising deductibles makes insurance more affordable. Bumping up your deductibles from $500 to $1,000 could save around $368 per year for a 40-year-old driver and $722 per year for a 20-year-old driver.
• The lower the deductibles, the higher the cost. Dropping your physical damage deductibles from $500 to $250 could cost an additional $386 per year for a 40-year-old driver and $766 per year for a 20-year-old driver.
• Avoiding accidents makes for cheaper insurance. Having a few at-fault accidents can really raise rates, potentially up to $3,222 per year for a 20-year-old driver and even $670 per year for a 50-year-old driver.
• Younger drivers pay higher rates. The difference in insurance rates for a Cadillac XT5 between a 40-year-old driver ($2,264 per year) and a 20-year-old driver ($4,550 per year) is $2,286, or a savings of 67.1%.
• Earn policy discounts to save money. Discounts may be available if the insureds work in certain occupations, choose electronic billing, are senior citizens, are claim-free, or other policy discounts which could save the average driver as much as $384 per year on their insurance cost.
• The gender of the driver affects insurance costs. For a 2024 Cadillac XT5, a 20-year-old male driver receives an average rate of $4,550 per year, while a 20-year-old female driver will pay $3,264, a difference of $1,286 per year in the women’s favor by a large margin. But by age 50, male driver rates are $2,004 and the cost for women is $1,956, a difference of only $48.

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