Cadillac XT5 Car Insurance Cost for 2022

How much are Cadillac XT5 insurance rates? We break down average prices from the Luxury 2WD model up to the Sport AWD trim to see how XT5 insurance cost compares to the midsize luxury SUV competition.

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How much does Cadillac XT5 car insurance cost?

Cadillac XT5 car insurance rates average $1,488 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 $119 to $130.

Insuring a Cadillac XT5 with full coverage cost on average $341 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 $432 a year, comprehensive (or other-than-collision) coverage is approximately $366, and the remaining collision insurance costs about $690.

The following chart shows average car insurance rates for a 2022 Cadillac XT5 using a range of driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Cadillac XT5 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Cadillac XT5 trim levels.Data last updated on April 20, 2022
Cadillac XT5 Insurance Cost Summary
Cadillac XT5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,378$282
Safe Driver Age 20$2,962$247
At-fault Accidents Age 40$2,096$175
Low Deductibles Age 40$1,954$163
Safe Driver Age 30$1,574$131
Safe Driver Age 40$1,488$124
Safe Driver Age 50$1,356$113
Safe Driver Age 60$1,332$111
High Deductibles Age 40$1,248$104
Discount Rate Age 40$1,238$103

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 $119 to $130 per month, the most budget-friendly model to insure is the Luxury 2WD. The next cheapest model to insure is the Luxury AWD at $121 per  month.

The highest cost trim levels of Cadillac XT5 to insure are the Sport AWD at $1,564 and the Premium Luxury AWD at $1,512 per year. Those trim levels will cost an extra $140 and $88 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.

2022 Cadillac XT5 Insurance Cost by Trim Level
Cadillac XT5 Trim Level Annual Policy 6-month Policy Per Month
Luxury 2WD$1,424$712$119
Luxury AWD$1,452$726$121
Premium Luxury 2WD$1,488$744$124
Premium Luxury AWD$1,512$756$126
Sport AWD$1,564$782$130

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Cadillac XT5, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 8, 2022
Cadillac XT5 Insurance Cost by Trim Level

Does XT5 insurance cost more than similar vehicles?

The Cadillac XT5 costs an average of $1,488 per year to insure for full coverage, while the segment average cost is $1,829 per year, a difference of $341 per year.

When compared to other midsize luxury SUVs, insurance for a Cadillac XT5 costs $70 less per year than the Lexus RX 350, $434 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.

Insurance Cost Comparison: Cadillac XT5 vs Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,488--
2Jaguar E-Pace$1,550$62
3Lexus RX 350$1,558$70
4Acura MDX$1,566$78
5Lincoln Nautilus$1,580$92
6Lexus RX 450h$1,596$108
7Infiniti QX50$1,600$112
8Lexus RX 350L$1,614$126
9Cadillac XT6$1,626$138
10Volvo V60$1,636$148
11Land Rover Discovery$1,646$158
12Land Rover Discovery Sport$1,650$162
13Lexus RX 450hL$1,660$172
14Volvo V90$1,676$188
15Lincoln Aviator$1,706$218
16Mercedes-Benz GLE450$1,728$240
17Mercedes-Benz AMG GLB35$1,730$242
18Lexus GX 460$1,754$266
19Infiniti QX60$1,762$274
20Mercedes-Benz GLE350$1,772$284
21Genesis GV80$1,806$318
22Mercedes-Benz AMG GLC43$1,834$346
23Audi SQ5$1,858$370
24BMW X5$1,922$434
25Audi Q8$1,950$462
26Audi Q7$1,982$494
27Land Rover Range Rover Sport$2,004$516
28BMW iX$2,018$530
29Tesla Model X$2,048$560
30Audi SQ7$2,108$620
31Audi e-tron$2,128$640
32Mercedes-Benz AMG GLE53$2,136$648
33BMW X6$2,184$696
34Mercedes-Benz AMG GLE63$2,278$790
35Porsche Cayenne$2,298$810
36Audi RS 6$2,374$886

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Insurance Cost Comparison: Cadillac XT5 vs Midsize Luxury SUVs

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 $112 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 $62 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.

Cadillac XT5 Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,222$611$102
Alaska$1,312$656$109
Arizona$1,336$668$111
Arkansas$1,604$802$134
California$1,718$859$143
Colorado$1,596$798$133
Connecticut$1,450$725$121
Delaware$1,522$761$127
Florida$2,190$1,095$183
Georgia$1,448$724$121
Hawaii$1,016$508$85
Idaho$1,182$591$99
Illinois$1,210$605$101
Indiana$1,120$560$93
Iowa$1,086$543$91
Kansas$1,508$754$126
Kentucky$1,744$872$145
Louisiana$2,170$1,085$181
Maine$1,034$517$86
Maryland$1,352$676$113
Massachusetts$1,228$614$102
Michigan$2,386$1,193$199
Minnesota$1,318$659$110
Mississippi$1,416$708$118
Missouri$1,588$794$132
Montana$1,458$729$122
Nebraska$1,430$715$119
Nevada$1,644$822$137
New Hampshire$904$452$75
New Jersey$1,416$708$118
New Mexico$1,202$601$100
New York$1,594$797$133
North Carolina$954$477$80
North Dakota$1,244$622$104
Ohio$870$435$73
Oklahoma$1,456$728$121
Oregon$1,254$627$105
Pennsylvania$1,262$631$105
Rhode Island$1,766$883$147
South Carolina$1,380$690$115
South Dakota$1,358$679$113
Tennessee$1,182$591$99
Texas$1,412$706$118
Utah$1,238$619$103
Vermont$994$497$83
Virginia$966$483$81
Washington$1,138$569$95
West Virginia$1,348$674$112
Wisconsin$1,016$508$85
Wyoming$1,376$688$115

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Cadillac XT5, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Cadillac XT5 trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on March 8, 2022
Cadillac XT5 insurance rates by U.S. state

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 $2,296 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 $470 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 $248 per year for a 40-year-old driver and $494 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 $2,080 per year for a 20-year-old driver and even $474 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 ($1,488 per year) and a 20-year-old driver ($2,962 per year) is $1,474, or a savings of 49.8%.
  • 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 $250 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 $2,962 per year, while a 20-year-old female driver will pay $2,188, a difference of $774 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,356 and the cost for women is $1,330, a difference of only $26.

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