- Cadillac XT5 insurance costs an average of $2,210 per year, or around $184 per month for full coverage.
- With an insurance cost range of $172, the cheapest XT5 to insure is the Luxury 2WD model costing around $2,122 per year, and the most expensive trim being the Premium Luxury AWD at $2,294 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 $2,210 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 $177 to $191.
Insuring a Cadillac XT5 with full coverage cost on average $572 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 $620 a year, comprehensive (or other-than-collision) coverage is approximately $554, and the remaining collision insurance costs about $1,036.
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 $17,546 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 $177 to $191 per month, the most budget-friendly model to insure is the Luxury 2WD. The next cheapest model to insure is the Luxury AWD at $180 per month.
The highest cost trim levels of Cadillac XT5 to insure are the Premium Luxury AWD at $2,294 and the Premium Luxury 2WD at $2,260 per year. Those trim levels will cost an extra $172 and $138 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.
| 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. Updated June 27, 2025
Does XT5 insurance cost more than similar vehicles?
The Cadillac XT5 costs an average of $2,210 per year to insure for full coverage, while the segment average cost is $2,782 per year, a difference of $572 per year.
When compared to other popular models, insuring a Cadillac XT5 is on average:
- $94 less per year than the Infiniti QX60
- $262 less per year than the Lincoln Nautilus
- $454 less per year than the Lexus GX 550
- $406 less per year than the Mercedes-Benz GLE350
- $982 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,190 | -$20 |
| 2 | Cadillac XT5 | $2,210 | -- |
| 3 | Infiniti QX50 | $2,276 | $66 |
| 4 | Cadillac XT6 | $2,292 | $82 |
| 5 | Infiniti QX60 | $2,304 | $94 |
| 6 | Mercedes-Benz AMG GLB35 | $2,308 | $98 |
| 7 | Acura MDX | $2,342 | $132 |
| 8 | Lexus RX 350 | $2,350 | $140 |
| 9 | Lexus TX 350 | $2,380 | $170 |
| 10 | Lexus RX 350h | $2,410 | $200 |
| 11 | Lexus TX 500h | $2,446 | $236 |
| 12 | Lexus RX 500h | $2,454 | $244 |
| 13 | Lincoln Nautilus | $2,472 | $262 |
| 14 | Lexus RX 450h | $2,476 | $266 |
| 15 | Volvo V90 | $2,496 | $286 |
| 16 | Audi SQ5 | $2,584 | $374 |
| 17 | Mercedes-Benz GLE350 | $2,616 | $406 |
| 18 | Lincoln Aviator | $2,636 | $426 |
| 19 | Lexus GX 550 | $2,664 | $454 |
| 20 | Volvo V60 | $2,742 | $532 |
| 21 | Land Rover Discovery Sport | $2,746 | $536 |
| 22 | Mercedes-Benz GLE450 | $2,758 | $548 |
| 23 | Cadillac Lyriq | $2,784 | $574 |
| 24 | Volvo EX90 | $2,806 | $596 |
| 25 | Audi Q7 | $2,842 | $632 |
| 26 | Genesis GV80 | $2,854 | $644 |
| 27 | Mercedes-Benz AMG GLC43 | $2,868 | $658 |
| 28 | Audi e-tron | $2,920 | $710 |
| 29 | Tesla Model X | $2,944 | $734 |
| 30 | BMW X5 | $2,992 | $782 |
| 31 | Audi Q8 | $3,012 | $802 |
| 32 | Land Rover Discovery | $3,026 | $816 |
| 33 | Mercedes-Benz AMG GLE53 | $3,046 | $836 |
| 34 | Audi SQ7 | $3,148 | $938 |
| 35 | BMW iX | $3,192 | $982 |
| 36 | BMW X6 | $3,272 | $1,062 |
| 37 | Land Rover Range Rover Sport | $3,410 | $1,200 |
| 38 | Audi RS 6 | $3,482 | $1,272 |
| 39 | Porsche Cayenne | $3,506 | $1,296 |
| 40 | BMW XM | $3,844 | $1,634 |
| 41 | Mercedes-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 vehicle from the 2024 model year. Updated June 27, 2025
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 $20 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 $536 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 $98 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.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $2,170 | $181 |
| Alaska | $1,938 | $162 |
| Arizona | $2,198 | $183 |
| Arkansas | $2,412 | $201 |
| California | $2,678 | $223 |
| Colorado | $2,454 | $205 |
| Connecticut | $2,522 | $210 |
| Delaware | $2,562 | $214 |
| Florida | $2,602 | $217 |
| Georgia | $2,370 | $198 |
| Hawaii | $1,812 | $151 |
| Idaho | $1,864 | $155 |
| Illinois | $2,132 | $178 |
| Indiana | $1,920 | $160 |
| Iowa | $1,790 | $149 |
| Kansas | $2,310 | $193 |
| Kentucky | $2,452 | $204 |
| Louisiana | $2,510 | $209 |
| Maine | $1,682 | $140 |
| Maryland | $2,218 | $185 |
| Massachusetts | $2,482 | $207 |
| Michigan | $2,698 | $225 |
| Minnesota | $2,102 | $175 |
| Mississippi | $2,298 | $192 |
| Missouri | $2,544 | $212 |
| Montana | $2,198 | $183 |
| Nebraska | $2,066 | $172 |
| Nevada | $2,658 | $222 |
| New Hampshire | $1,792 | $149 |
| New Jersey | $2,682 | $224 |
| New Mexico | $2,042 | $170 |
| New York | $2,596 | $216 |
| North Carolina | $1,720 | $143 |
| North Dakota | $2,052 | $171 |
| Ohio | $1,840 | $153 |
| Oklahoma | $2,504 | $209 |
| Oregon | $2,226 | $186 |
| Pennsylvania | $2,270 | $189 |
| Rhode Island | $2,728 | $227 |
| South Carolina | $2,070 | $173 |
| South Dakota | $2,382 | $199 |
| Tennessee | $2,254 | $188 |
| Texas | $2,216 | $185 |
| Utah | $2,130 | $178 |
| Vermont | $1,888 | $157 |
| Virginia | $1,786 | $149 |
| Washington | $2,178 | $182 |
| West Virginia | $2,156 | $180 |
| Wisconsin | $1,868 | $156 |
| Wyoming | $2,154 | $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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025
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 $3,468 or more per year.
- Raising deductibles makes insurance more affordable. Bumping up your deductibles from $500 to $1,000 could save around $360 per year for a 40-year-old driver and $704 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 $376 per year for a 40-year-old driver and $748 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 $3,144 per year for a 20-year-old driver and even $652 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 ($2,210 per year) and a 20-year-old driver ($4,442 per year) is $2,232, 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 $372 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 $4,442 per year, while a 20-year-old female driver will pay $3,184, a difference of $1,258 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,956 and the cost for women is $1,908, a difference of only $48.