Cadillac XT5 Car Insurance Cost for 2022

• Cadillac XT5 insurance costs an average of $1,500 per year, or around $125 per month for full coverage.
• With an insurance cost range of $138, the cheapest XT5 to insure is the Luxury 2WD model costing around $1,438 per year, and the most expensive trim being the Sport AWD at $1,576 annually.
• When compared to the entire 2022 midsize luxury SUV segment, the XT5 ranks near the top at #1 out of 36 total comparison vehicles.

How much does Cadillac XT5 car insurance cost?

Cadillac XT5 car insurance rates average $1,500 a year for full coverage for the 2022 model year. Depending on the trim level being insured, monthly car insurance rates for a Cadillac XT5 range from $120 to $131.

Insuring a Cadillac XT5 with full coverage cost on average $343 or 18.6% less per year than the average rate for comparable luxury SUV models.

When split out by coverage type, liability and medical payments insurance is around $436 a year, comprehensive (or other-than-collision) coverage is approximately $368, and the remaining collision insurance costs about $696.

The following chart shows average car insurance rates for a 2022 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 five Cadillac XT5 trim levels and every zip code in the U.S., the chart would display around 483,840,000,000 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 $13,690 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 $120 to $131 per month, the most budget-friendly model to insure is the Luxury 2WD. The next cheapest model to insure is the Luxury AWD at $122 per  month.

The highest cost trim levels of Cadillac XT5 to insure are the Sport AWD at $1,576 and the Premium Luxury AWD at $1,524 per year. Those trim levels will cost an extra $138 and $86 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 $1,500 per year to insure for full coverage, while the segment average cost is $1,843 per year, a difference of $343 per year.

When compared to other midsize luxury SUVs, insurance for a Cadillac XT5 costs $70 less per year than the Lexus RX 350, $438 less than the BMW X5, $78 less than the Acura MDX, and $266 less than the Lexus GX 460.

The table below shows how average Cadillac XT5 car insurance rates compare to the entire 2022 midsize luxury SUV class for insurance affordability.

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

For the 2022 model, the average purchase price for a XT5 is $48,985, ranging from $43,945 to $55,745, depending on the trim level.

The four midsize luxury SUV models that have the most similar sticker prices to the Cadillac XT5 are the Infiniti QX50, Lexus RX 350, Lexus RX 450h, and Jaguar E-Pace. The list below shows how they compare to a 2022 XT5 for both purchase price and average insurance cost.

• Compared to the Infiniti QX50 – The 2022 Cadillac XT5 has an average MSRP that is $220 more expensive than the Infiniti QX50 ($48,985 versus $48,765). Expect to pay around $114 more per year for full-coverage insurance on the Infiniti QX50 compared to a XT5.
• Compared to the Lexus RX 350 – The average MSRP for a 2022 Cadillac XT5 is $648 cheaper than the Lexus RX 350, at $48,985 compared to $49,633. The cost to insure a Cadillac XT5 compared to the Lexus RX 350 is $70 less per year on average.
• Compared to the Lexus RX 450h – The Lexus RX 450h sells for an average of $50,648 ($48,020 to $52,425), which is $1,663 more expensive than the XT5. Insurance on the Cadillac XT5 costs an average of $108 less each year than the Lexus RX 450h.
• Compared to the Jaguar E-Pace – For a new model, the sticker price on the Jaguar E-Pace averages $2,585 less than the average MSRP for the XT5 ($46,400 compared to $48,985). Full-coverage insurance on the Jaguar E-Pace costs an average of $64 more each year than the Cadillac XT5.

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 get 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 $2,316 or more per year.
• Raising deductibles makes insurance more affordable. Bumping up your deductibles from $500 to $1,000 could save around $240 per year for a 40-year-old driver and $472 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 $252 per year for a 40-year-old driver and $500 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 $2,094 per year for a 20-year-old driver and even $476 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 ($1,500 per year) and a 20-year-old driver ($2,984 per year) is $1,484, or a savings of 49.7%.
• 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 many other policy discounts which could save the average driver as much as $254 per year on their insurance cost.
• The gender of the driver affects insurance cost. For a 2022 Cadillac XT5, a 20-year-old male driver receives an average rate of $2,984 per year, while a 20-year-old female driver will pay $2,208, a difference of $776 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,368 and the cost for women is $1,340, a difference of only $28.

Related Cadillac XT5 articles

• Cadillac XT5 vs. Lexus RX 350 – Which Car Insurance is Cheaper?