Cadillac XT6 Car Insurance Rates for 2022

How much does Cadillac XT6 car insurance cost? We tallied rates from the Luxury to the Platinum models to see how they compared to the rest of the midsize luxury SUV market.

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How much does Cadillac XT6 car insurance cost?

Cadillac XT6 insurance costs on average $1,640 yearly, or around $137 monthly. Drivers can expect to pay about $203 less each year to insure a Cadillac XT6 as compared to the average rate for midsize luxury SUVs, and $73 more per year than the all-vehicle national average of $1,567.

The chart below illustrates how average 2022 Cadillac XT6 car insurance rates vary depending on the age of the driver and comprehensive and collision deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Cadillac XT6 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Cadillac XT6 trim levels.Data last updated on November 15, 2022
Cadillac XT6 Car Insurance Rates
Cadillac XT6 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,722$227
$500$3,256$271
$250$3,820$318
30$1,000$1,438$120
$500$1,738$145
$250$2,048$171
40$1,000$1,368$114
$500$1,640$137
$250$1,924$160
50$1,000$1,246$104
$500$1,492$124
$250$1,748$146
60$1,000$1,224$102
$500$1,466$122
$250$1,718$143

Is Cadillac XT6 car insurance expensive?

The cheapest model of Cadillac XT6 to insure is the Luxury 2WD at $1,580 per year. The second cheapest trim is the Luxury AWD at $1,608 per year, and the third cheapest trim level to insure is the Premium Luxury 2WD at $1,640 per year.

The highest cost trim levels of Cadillac XT6 to insure are the Sport AWD at $1,704 and the Premium Luxury AWD at $1,666 per year. Those trims will cost an extra $124 and $86 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 2022 Cadillac XT6 package and trim level.

2022 Cadillac XT6 Insurance Cost by Trim Level
Cadillac XT6 Trim Level Annual Policy 6-month Policy Per Month
Luxury 2WD$1,580$790$132
Luxury AWD$1,608$804$134
Premium Luxury 2WD$1,640$820$137
Premium Luxury AWD$1,666$833$139
Sport AWD$1,704$852$142

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Table Data Details: Average rates are for a 2022 Cadillac XT6, 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 November 15, 2022
Cadillac XT6 Insurance Cost by Trim Level

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 $70 more per year than the Lexus RX 350, $298 less than the BMW X5, $62 more than the Acura MDX, and $140 more than the Cadillac XT5.

The Cadillac XT6 ranks #9 out of 36 comparison vehicles in the 2022 midsize luxury SUV segment. The XT6 costs an estimated $1,640 per year for full coverage insurance, while the class median average cost is $1,843 annually, a difference of $203 per year.

When compared to all other vehicles, not just luxury SUVs, average insurance rates on the XT6 cost 4.7% more than the all-vehicle national average car insurance rate of $1,567 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 36 models in the 2022 midsize luxury SUV category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Cadillac XT6, 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 XT6 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 15, 2022
Cadillac XT6 vs Top 10 Midsize Luxury SUVs Insurance Cost Comparison
Cadillac XT6 Insurance Cost Compared to All Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,500-$140
2Jaguar E-Pace$1,564-$76
3Lexus RX 350$1,570-$70
4Acura MDX$1,578-$62
5Lincoln Nautilus$1,594-$46
6Lexus RX 450h$1,608-$32
7Infiniti QX50$1,614-$26
8Lexus RX 350L$1,628-$12
9Cadillac XT6$1,640--
10Volvo V60$1,648$8
11Land Rover Discovery$1,660$20
12Land Rover Discovery Sport$1,662$22
13Lexus RX 450hL$1,676$36
14Volvo V90$1,688$48
15Lincoln Aviator$1,720$80
16Mercedes-Benz AMG GLB35$1,740$100
17Mercedes-Benz GLE450$1,744$104
18Lexus GX 460$1,766$126
19Infiniti QX60$1,774$134
20Mercedes-Benz GLE350$1,784$144
21Genesis GV80$1,818$178
22Mercedes-Benz AMG GLC43$1,846$206
23Audi SQ5$1,874$234
24BMW X5$1,938$298
25Audi Q8$1,966$326
26Audi Q7$1,998$358
27Land Rover Range Rover Sport$2,020$380
28BMW iX$2,034$394
29Tesla Model X$2,064$424
30Audi SQ7$2,124$484
31Audi e-tron$2,144$504
32Mercedes-Benz AMG GLE53$2,150$510
33BMW X6$2,200$560
34Mercedes-Benz AMG GLE63$2,292$652
35Porsche Cayenne$2,314$674
36Audi RS 6$2,390$750

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 $424 per year. Serious infractions like driving under the influence of drugs or alcohol could raise rates by an additional $1,496 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 $49 and $159 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 $1,980 or more per year.
  • Driver age and gender matter. For a 2022 Cadillac XT6, a 20-year-old man will pay an estimated rate of $3,256 per year, while a 20-year-old female will get a rate of $2,410, a difference of $846 per year. Women get significantly cheaper rates. But by age 50, rates for male drivers are $1,492 and the rate for females is $1,462, a difference of only $30.
  • 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 $257 per year when compared to a rating of 670-739. Conversely, a lesser credit rating could cost as much as $298 more per year.
  • Insuring teenagers can be very expensive. Average rates for full coverage XT6 insurance costs $5,744 per year for a 16-year-old driver, $5,404 per year for a 17-year-old driver, and $5,060 per year for a 18-year-old driver.
  • Be a safe driver and save on insurance. Being the cause of frequent accidents will raise rates, as much as $2,276 per year for a 20-year-old driver and even $484 per year for a 60-year-old driver.