- Drivers can expect to pay on average around $2,348 per year, $1,174 for a 6-month policy, or $196 per month for full coverage Cadillac XT6 insurance.
- The cheapest model of XT6 to insure is the Luxury 2WD at $2,236 per year, or about $186 per month.
- When compared to other midsize luxury SUVs, the Cadillac XT6 is one of the cheaper midsize luxury SUVs to insure, costing $502 less per year on average.
How much does Cadillac XT6 car insurance cost?
Cadillac XT6 insurance costs on average $2,348 yearly, or around $196 monthly. Drivers can expect to pay about $502 less each year to insure a Cadillac XT6 as compared to the average rate for midsize luxury SUVs, and $72 more per year than the all-vehicle national average of $2,276.
The chart below illustrates how average 2024 Cadillac XT6 car insurance rates vary depending on the age of the driver and comprehensive and collision deductibles.
Is Cadillac XT6 car insurance expensive?
The cheapest model of Cadillac XT6 to insure is the Luxury 2WD at $2,236 per year. The second cheapest trim is the Luxury AWD at $2,280 per year, and the third cheapest trim level to insure is the Premium Luxury 2WD at $2,362 per year.
The highest cost trim levels of Cadillac XT6 to insure are the Sport AWD at $2,450 and the Premium Luxury AWD at $2,406 per year. Those trims will cost an extra $214 and $170 per year, respectively, over the cheapest Luxury 2WD model.
The next table displays the average annual and 6-month car insurance policy cost, including a monthly budget amount, for each 2024 Cadillac XT6 package and trim level.
| 2024 Cadillac XT6 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Luxury 2WD | $2,236 | $186 |
| Luxury AWD | $2,280 | $190 |
| Premium Luxury 2WD | $2,362 | $197 |
| Premium Luxury AWD | $2,406 | $201 |
| Sport AWD | $2,450 | $204 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
How does Cadillac XT6 insurance cost compare?
When average car insurance rates are compared to other top-selling vehicles in the midsize luxury SUV class, the Cadillac XT6 costs $58 less per year than the Lexus RX 350, $720 less than the BMW X5, $48 less than the Acura MDX, and $84 more than the Cadillac XT5.
The Cadillac XT6 ranks fourth out of 41 comparison vehicles in the 2024 midsize luxury SUV segment. The XT6 costs an estimated $2,348 per year for full coverage insurance, while the class median average cost is $2,850 annually, a difference of $502 per year.
When compared to all other vehicles, not just luxury SUVs, average insurance rates on the XT6 cost 3.1% more than the all-vehicle national average car insurance rate of $2,276 per year.
The chart below shows how well average Cadillac XT6 car insurance rates compare to the top selling midsize luxury SUVs. To see how the entire class stacks up, an additional table in also displayed after the chart that illustrates insurance rankings for all 41 models in the 2024 midsize luxury SUV category.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,242 | -$106 |
| 2 | Cadillac XT5 | $2,264 | -$84 |
| 3 | Infiniti QX50 | $2,330 | -$18 |
| 4 | Cadillac XT6 | $2,348 | -- |
| 5 | Infiniti QX60 | $2,358 | $10 |
| 6 | Mercedes-Benz AMG GLB35 | $2,364 | $16 |
| 7 | Acura MDX | $2,396 | $48 |
| 8 | Lexus RX 350 | $2,406 | $58 |
| 9 | Lexus TX 350 | $2,440 | $92 |
| 10 | Lexus RX 350h | $2,468 | $120 |
| 11 | Lexus TX 500h | $2,506 | $158 |
| 12 | Lexus RX 500h | $2,514 | $166 |
| 13 | Lincoln Nautilus | $2,534 | $186 |
| 14 | Lexus RX 450h | $2,538 | $190 |
| 15 | Volvo V90 | $2,558 | $210 |
| 16 | Audi SQ5 | $2,646 | $298 |
| 17 | Mercedes-Benz GLE350 | $2,680 | $332 |
| 18 | Lincoln Aviator | $2,698 | $350 |
| 19 | Lexus GX 550 | $2,728 | $380 |
| 20 | Volvo V60 | $2,808 | $460 |
| 21 | Land Rover Discovery Sport | $2,814 | $466 |
| 22 | Mercedes-Benz GLE450 | $2,826 | $478 |
| 23 | Cadillac Lyriq | $2,852 | $504 |
| 24 | Volvo EX90 | $2,876 | $528 |
| 25 | Audi Q7 | $2,912 | $564 |
| 26 | Genesis GV80 | $2,926 | $578 |
| 27 | Mercedes-Benz AMG GLC43 | $2,938 | $590 |
| 28 | Audi e-tron | $2,994 | $646 |
| 29 | Tesla Model X | $3,016 | $668 |
| 30 | BMW X5 | $3,068 | $720 |
| 31 | Audi Q8 | $3,082 | $734 |
| 32 | Land Rover Discovery | $3,100 | $752 |
| 33 | Mercedes-Benz AMG GLE53 | $3,120 | $772 |
| 34 | Audi SQ7 | $3,224 | $876 |
| 35 | BMW iX | $3,272 | $924 |
| 36 | BMW X6 | $3,350 | $1,002 |
| 37 | Land Rover Range Rover Sport | $3,492 | $1,144 |
| 38 | Audi RS 6 | $3,564 | $1,216 |
| 39 | Porsche Cayenne | $3,594 | $1,246 |
| 40 | BMW XM | $3,938 | $1,590 |
| 41 | Mercedes-Benz AMG GLE63 | $4,046 | $1,698 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
Additional Rates and Information
Other rate observations and possible policy discounts for Cadillac XT6 insurance include:
- Avoid traffic tickets to pay less. If you want to pay the lowest-priced XT6 insurance rates, it pays to not be too aggressive behind the wheel. As few as two minor driving infractions can raise insurance rates by as much as $600 per year. Serious infractions like driving under the influence of drugs or alcohol could raise rates by an additional $2,118 or more.
- Your employment could save you a few bucks. The large majority of car insurance companies offer discounts for specific professions like farmers, members of the military, engineers, lawyers, scientists, accountants, and other occupations. By qualifying for this profession discount, you may save between $70 and $233 on your yearly XT6 insurance premium, depending on the policy coverages.
- High-risk drivers pay much more for XT6 insurance. For a 30-year-old driver, having too many driving record violations or accidents increases the cost by $2,814 or more per year.
- Driver age and gender matter. For a 2024 Cadillac XT6, a 20-year-old man will pay an estimated rate of $4,668 per year, while a 20-year-old female will get a rate of $3,352, a difference of $1,316 per year. Women get significantly cheaper rates. But by age 50, rates for male drivers are $2,068 and the rate for females is $2,022, a difference of only $46.
- Credit score can influence insurance rates. In states that allow insurance companies to use a policyholder’s credit data as a rate factor, having a credit score over 800 could save a minimum of $369 per year when compared to a rating of 670-739. Conversely, a lesser credit rating could cost as much as $427 more per year.
- Insuring teenagers can be very expensive. Average rates for full coverage XT6 insurance costs $8,060 per year for a 16-year-old driver, $7,866 per year for a 17-year-old driver, and $7,163 per year for an 18-year-old driver.
- Be a safe driver and save on insurance. Being the cause of frequent accidents will raise rates, as much as $3,250 per year for a 20-year-old driver and even $512 per year for a 60-year-old driver.