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 $1,720 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.

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 August 11, 2023
Cadillac XT5 Insurance Cost Summary
2023 Cadillac XT5 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,912$326
Safe Driver Age 20$3,424$285
At-fault Accidents Age 40$2,422$202
Low Deductibles Age 40$2,262$189
Safe Driver Age 30$1,818$152
Safe Driver Age 40$1,720$143
Safe Driver Age 50$1,566$131
Safe Driver Age 60$1,540$128
High Deductibles Age 40$1,442$120
Discount Rate Age 40$1,430$119

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.

2023 Cadillac XT5 Insurance Cost by Trim Level
Cadillac XT5 Trim Level Annual Policy Six-Month Policy Per Month
Luxury 2WD$1,638$819$137
Luxury AWD$1,670$835$139
Premium Luxury 2WD$1,732$866$144
Premium Luxury AWD$1,758$879$147
Sport AWD$1,802$901$150

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 August 11, 2023
Cadillac XT5 Insurance Cost by Trim Level

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.

Insurance Cost Comparison: Cadillac XT5 vs Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Lexus RX 350$1,620-$100
2Infiniti QX50$1,676-$44
3Cadillac XT5$1,720--
4Cadillac XT6$1,762$42
5Acura MDX$1,800$80
6Lincoln Nautilus$1,834$114
7Lexus RX 350L$1,850$130
8Land Rover Discovery Sport$1,854$134
9Jaguar E-Pace$1,856$136
10Volvo V90$1,886$166
11Lexus RX 450h$1,908$188
12Lexus GX 460$1,928$208
13Lexus RX 450hL$1,938$218
14Volvo V60$1,946$226
15Genesis GV80$1,986$266
16Mercedes-Benz AMG GLB35$1,988$268
17Audi SQ5$1,990$270
18Lincoln Aviator$2,008$288
19Infiniti QX60$2,026$306
20Mercedes-Benz GLE450$2,042$322
21Mercedes-Benz GLE350$2,066$346
22Land Rover Discovery$2,074$354
23Mercedes-Benz AMG GLC43$2,110$390
24Audi Q7$2,158$438
25Audi e-tron$2,232$512
26Tesla Model X$2,242$522
27Mercedes-Benz AMG GLE53$2,248$528
28BMW X5$2,288$568
29Audi Q8$2,298$578
30Land Rover Range Rover Sport$2,312$592
31Audi SQ7$2,426$706
32BMW iX$2,458$738
33BMW X6$2,508$788
34Porsche Cayenne$2,528$808
35Mercedes-Benz AMG GLE63$2,650$930
36Audi RS 6$2,694$974
37BMW XM$2,948$1,228

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 August 11, 2023
Insurance Cost Comparison: Cadillac XT5 vs Midsize Luxury SUVs

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.

Cadillac XT5 Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,546$773$129
Alaska$1,304$652$109
Arizona$1,572$786$131
Arkansas$1,792$896$149
California$2,064$1,032$172
Colorado$1,834$917$153
Connecticut$1,904$952$159
Delaware$1,944$972$162
Florida$2,118$1,059$177
Georgia$1,750$875$146
Hawaii$1,180$590$98
Idaho$1,232$616$103
Illinois$1,508$754$126
Indiana$1,288$644$107
Iowa$1,156$578$96
Kansas$1,686$843$141
Kentucky$1,832$916$153
Louisiana$2,022$1,011$169
Maine$1,042$521$87
Maryland$1,594$797$133
Massachusetts$1,864$932$155
Michigan$2,314$1,157$193
Minnesota$1,474$737$123
Mississippi$1,672$836$139
Missouri$1,930$965$161
Montana$1,574$787$131
Nebraska$1,436$718$120
Nevada$2,042$1,021$170
New Hampshire$1,158$579$97
New Jersey$2,068$1,034$172
New Mexico$1,414$707$118
New York$1,980$990$165
North Carolina$1,082$541$90
North Dakota$1,426$713$119
Ohio$1,208$604$101
Oklahoma$1,884$942$157
Oregon$1,602$801$134
Pennsylvania$1,646$823$137
Rhode Island$2,114$1,057$176
South Carolina$1,440$720$120
South Dakota$1,758$879$147
Tennessee$1,632$816$136
Texas$1,594$797$133
Utah$1,506$753$126
Vermont$1,256$628$105
Virginia$1,150$575$96
Washington$1,548$774$129
West Virginia$1,530$765$128
Wisconsin$1,236$618$103
Wyoming$1,524$762$127

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 August 12, 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 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.

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