Cadillac XT5 Car Insurance Cost for 2023

How much are insurance rates on a Cadillac XT5?

From the Luxury 2WD model up to the top level Sport AWD trim level, we surveyed insurance quotes on the XT5 to find out how rates measure up to the rest of the midsize luxury SUV segment.

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How much does Cadillac XT5 car insurance cost?

Cadillac XT5 car insurance rates average $1,676 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 $133 to $146.

Insuring a Cadillac XT5 with full coverage cost on average $374 or 18.2% 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 $484 a year, comprehensive (or other-than-collision) coverage is approximately $412, and the remaining collision insurance costs about $780.

The following chart shows average car insurance rates for a 2023 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 2023 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 January 23, 2023
Cadillac XT5 Insurance Cost Summary
2023 Cadillac XT5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,808$317
Safe Driver Age 20$3,334$278
At-fault Accidents Age 40$2,358$197
Low Deductibles Age 40$2,204$184
Safe Driver Age 30$1,770$148
Safe Driver Age 40$1,676$140
Safe Driver Age 50$1,530$128
Safe Driver Age 60$1,500$125
High Deductibles Age 40$1,406$117
Discount Rate Age 40$1,394$116

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 $14,286 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 $133 to $146 per month, the most budget-friendly model to insure is the Luxury 2WD. The next cheapest model to insure is the Luxury AWD at $136 per  month.

The highest cost trim levels of Cadillac XT5 to insure are the Sport AWD at $1,756 and the Premium Luxury AWD at $1,716 per year. Those trim levels will cost an extra $160 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.

2023 Cadillac XT5 Insurance Cost by Trim Level
Cadillac XT5 Trim Level Annual Policy Six-Month Policy Per Month
Luxury 2WD$1,596$798$133
Luxury AWD$1,628$814$136
Premium Luxury 2WD$1,690$845$141
Premium Luxury AWD$1,716$858$143
Sport AWD$1,756$878$146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
Cadillac XT5 Insurance Cost by Trim Level

Does XT5 insurance cost more than similar vehicles?

The Cadillac XT5 costs an average of $1,676 per year to insure for full coverage, while the segment average cost is $2,050 per year, a difference of $374 per year.

When compared to other midsize luxury SUVs, insurance for a Cadillac XT5 costs $98 more per year than the Lexus RX 350, $554 less than the BMW X5, $80 less than the Acura MDX, and $204 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.

Insurance Cost Comparison: Cadillac XT5 vs Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Lexus RX 350$1,578-$98
2Infiniti QX50$1,632-$44
3Cadillac XT5$1,676--
4Cadillac XT6$1,716$40
5Acura MDX$1,756$80
6Lincoln Nautilus$1,786$110
7Lexus RX 350L$1,804$128
8Land Rover Discovery Sport$1,806$130
9Jaguar E-Pace$1,808$132
10Volvo V90$1,838$162
11Lexus RX 450h$1,858$182
12Lexus GX 460$1,880$204
13Lexus RX 450hL$1,890$214
14Volvo V60$1,896$220
15Mercedes-Benz AMG GLB35$1,934$258
16Genesis GV80$1,936$260
17Audi SQ5$1,940$264
18Lincoln Aviator$1,958$282
19Infiniti QX60$1,974$298
20Mercedes-Benz GLE450$1,990$314
21Mercedes-Benz GLE350$2,014$338
22Land Rover Discovery$2,022$346
23Mercedes-Benz AMG GLC43$2,056$380
24Audi Q7$2,104$428
25Audi e-tron$2,174$498
26Tesla Model X$2,184$508
27Mercedes-Benz AMG GLE53$2,190$514
28BMW X5$2,230$554
29Audi Q8$2,238$562
30Land Rover Range Rover Sport$2,254$578
31Audi SQ7$2,362$686
32BMW iX$2,396$720
33BMW X6$2,442$766
34Porsche Cayenne$2,462$786
35Mercedes-Benz AMG GLE63$2,582$906
36Audi RS 6$2,624$948
37BMW XM$2,872$1,196

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on January 23, 2023
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 2023 model, the average purchase price for a 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 $182 more per year for full-coverage insurance on the Lexus RX 450h compared to a 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 $258 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 $110 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 $128 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.

Cadillac XT5 Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,508$754$126
Alaska$1,268$634$106
Arizona$1,538$769$128
Arkansas$1,752$876$146
California$2,028$1,014$169
Colorado$1,798$899$150
Connecticut$1,866$933$156
Delaware$1,906$953$159
Florida$2,088$1,044$174
Georgia$1,712$856$143
Hawaii$1,142$571$95
Idaho$1,196$598$100
Illinois$1,468$734$122
Indiana$1,250$625$104
Iowa$1,122$561$94
Kansas$1,652$826$138
Kentucky$1,796$898$150
Louisiana$1,992$996$166
Maine$1,010$505$84
Maryland$1,556$778$130
Massachusetts$1,824$912$152
Michigan$2,288$1,144$191
Minnesota$1,438$719$120
Mississippi$1,636$818$136
Missouri$1,890$945$158
Montana$1,538$769$128
Nebraska$1,400$700$117
Nevada$2,004$1,002$167
New Hampshire$1,122$561$94
New Jersey$2,030$1,015$169
New Mexico$1,378$689$115
New York$1,944$972$162
North Carolina$1,048$524$87
North Dakota$1,388$694$116
Ohio$1,168$584$97
Oklahoma$1,850$925$154
Oregon$1,564$782$130
Pennsylvania$1,608$804$134
Rhode Island$2,078$1,039$173
South Carolina$1,406$703$117
South Dakota$1,724$862$144
Tennessee$1,594$797$133
Texas$1,554$777$130
Utah$1,466$733$122
Vermont$1,220$610$102
Virginia$1,112$556$93
Washington$1,514$757$126
West Virginia$1,496$748$125
Wisconsin$1,198$599$100
Wyoming$1,490$745$124

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
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 $2,592 or more per year.
  • Raising deductibles makes insurance more affordable. Bumping up your deductibles from $500 to $1,000 could save around $270 per year for a 40-year-old driver and $528 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 $282 per year for a 40-year-old driver and $560 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 $2,342 per year for a 20-year-old driver and even $532 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 ($1,676 per year) and a 20-year-old driver ($3,334 per year) is $1,658, 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 $282 per year on their insurance cost.
  • The gender of the driver affects insurance cost. For a 2023 Cadillac XT5, a 20-year-old male driver receives an average rate of $3,334 per year, while a 20-year-old female driver will pay $2,468, a difference of $866 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,530 and the cost for women is $1,496, a difference of only $34.

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