Cadillac XT5 Car Insurance Cost for 2023

• Cadillac XT5 insurance costs an average of $1,720 per year, or around $143 per month for full coverage.
• With an insurance cost range of $164, the cheapest XT5 to insure is the Luxury 2WD model costing around $1,638 per year, and the most expensive trim being the Sport AWD at $1,802 annually.
• When compared to the entire 2023 midsize luxury SUV segment, the XT5 ranks near the top at third out of 37 total comparison vehicles.

How much does Cadillac XT5 car insurance cost?

Cadillac XT5 car insurance rates average $1,720 a year for full coverage for the 2023 model year. Depending on the trim level being insured, monthly car insurance rates for a Cadillac XT5 range from $137 to $150.

Insuring a Cadillac XT5 with full coverage cost on average $384 or 20.1% 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 $496 a year, comprehensive (or other-than-collision) coverage is approximately $422, and the remaining collision insurance costs about $802.

The following chart shows average car insurance rates for a 2023 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 $14,466 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 $137 to $150 per month, the most budget-friendly model to insure is the Luxury 2WD. The next cheapest model to insure is the Luxury AWD at $139 per month.

The highest cost trim levels of Cadillac XT5 to insure are the Sport AWD at $1,802 and the Premium Luxury AWD at $1,758 per year. Those trim levels will cost an extra $164 and $120 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 $1,720 per year to insure for full coverage, while the segment average cost is $2,104 per year, a difference of $384 per year.

When compared to other midsize luxury SUVs, insurance for a Cadillac XT5 costs $100 more per year than the Lexus RX 350, $568 less than the BMW X5, $80 less than the Acura MDX, and $208 less than the Lexus GX 460.

The table below shows how average Cadillac XT5 car insurance rates compare to the entire 2023 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 2023 model, the average purchase price for an XT5 is $51,670, ranging from $45,590 to $58,490, depending on the trim level.

The four midsize luxury SUV models that have the most similar sticker prices to the Cadillac XT5 are the Lexus RX 450h, Mercedes-Benz AMG GLB35, Lincoln Nautilus, and Lexus RX 350L. The list below shows how they compare to a 2023 XT5 for both purchase price and average insurance cost.

• Compared to the Lexus RX 450h – The 2023 Cadillac XT5 has an average MSRP that is $60 more expensive than the Lexus RX 450h ($51,670 versus $51,610). Expect to pay around $188 more per year for full-coverage insurance on the Lexus RX 450h compared to an XT5.
• Compared to the Mercedes-Benz AMG GLB35 – The average MSRP for a 2023 Cadillac XT5 is $780 cheaper than the Mercedes-Benz AMG GLB35, at $51,670 compared to $52,450. The cost to insure a Cadillac XT5 compared to the Mercedes-Benz AMG GLB35 is $268 less per year on average.
• Compared to the Lincoln Nautilus – The Lincoln Nautilus sells for an average of $53,371 ($44,825 to $67,245), which is $1,701 more expensive than the XT5. Insurance on the Cadillac XT5 costs an average of $114 less each year than the Lincoln Nautilus.
• Compared to the Lexus RX 350L – For a new model, the sticker price on the Lexus RX 350L averages $1,930 more than the average MSRP for the XT5 ($53,600 compared to $51,670). Full-coverage insurance on the Lexus RX 350L costs an average of $130 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 $2,658 or more per year.
• Raising deductibles makes insurance more affordable. Bumping up your deductibles from $500 to $1,000 could save around $278 per year for a 40-year-old driver and $544 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 $290 per year for a 40-year-old driver and $574 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 $2,408 per year for a 20-year-old driver and even $546 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 ($1,720 per year) and a 20-year-old driver ($3,424 per year) is $1,704, or a savings of 66.3%.
• 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 $290 per year on their insurance cost.
• The gender of the driver affects insurance costs. For a 2023 Cadillac XT5, a 20-year-old male driver receives an average rate of $3,424 per year, while a 20-year-old female driver will pay $2,534, a difference of $890 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,566 and the cost for women is $1,536, a difference of only $30.

Related Cadillac XT5 articles

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