Cadillac XT6 Car Insurance Rates for 2023

How much does car insurance cost for a Cadillac XT6?

We scrutinized prices from the Luxury 2WD trim up to the higher cost Sport AWD model to look at how insurance rates for the XT6 measure up to the competition.

Start a Free QuoteCompare Cadillac XT6 car insurance quotes and save on your next policy.

How much does Cadillac XT6 car insurance cost?

Cadillac XT6 insurance costs on average $1,762 yearly, or around $147 monthly. Drivers can expect to pay about $342 less each year to insure a Cadillac XT6 as compared to the average rate for midsize luxury SUVs, and $34 more per year than the all-vehicle national average of $1,728.

The chart below illustrates how average 2023 Cadillac XT6 car insurance rates vary depending on the age of the driver and comprehensive and collision deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 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 August 12, 2023
Cadillac XT6 Car Insurance Rates
2023 Cadillac XT6 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,882$240
$500$3,478$290
$250$4,106$342
30$1,000$1,540$128
$500$1,874$156
$250$2,222$185
40$1,000$1,454$121
$500$1,762$147
$250$2,080$173
50$1,000$1,326$111
$500$1,600$133
$250$1,888$157
60$1,000$1,302$109
$500$1,572$131
$250$1,854$155

Is Cadillac XT6 car insurance expensive?

The cheapest model of Cadillac XT6 to insure is the Luxury 2WD at $1,680 per year. The second cheapest trim is the Luxury AWD at $1,712 per year, and the third cheapest trim level to insure is the Premium Luxury 2WD at $1,774 per year.

The highest cost trim levels of Cadillac XT6 to insure are the Sport AWD at $1,838 and the Premium Luxury AWD at $1,800 per year. Those trims will cost an extra $158 and $120 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 2023 Cadillac XT6 package and trim level.

2023 Cadillac XT6 Insurance Cost by Trim Level
Cadillac XT6 Trim Level Annual Policy Six-Month Policy Per Month
Luxury 2WD$1,680$840$140
Luxury AWD$1,712$856$143
Premium Luxury 2WD$1,774$887$148
Premium Luxury AWD$1,800$900$150
Sport AWD$1,838$919$153

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 August 12, 2023
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 $142 more per year than the Lexus RX 350, $526 less than the BMW X5, $38 less than the Acura MDX, and $42 more than the Cadillac XT5.

The Cadillac XT6 ranks fourth out of 37 comparison vehicles in the 2023 midsize luxury SUV segment. The XT6 costs an estimated $1,762 per year for full coverage insurance, while the class median average cost is $2,104 annually, a difference of $342 per year.

When compared to all other vehicles, not just luxury SUVs, average insurance rates on the XT6 cost 1.9% more than the all-vehicle national average car insurance rate of $1,728 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 37 models in the 2023 midsize luxury SUV category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 August 12, 2023
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
1Lexus RX 350$1,620-$142
2Infiniti QX50$1,676-$86
3Cadillac XT5$1,720-$42
4Cadillac XT6$1,762--
5Acura MDX$1,800$38
6Lincoln Nautilus$1,834$72
7Lexus RX 350L$1,850$88
8Land Rover Discovery Sport$1,854$92
9Jaguar E-Pace$1,856$94
10Volvo V90$1,886$124
11Lexus RX 450h$1,908$146
12Lexus GX 460$1,928$166
13Lexus RX 450hL$1,938$176
14Volvo V60$1,946$184
15Genesis GV80$1,986$224
16Mercedes-Benz AMG GLB35$1,988$226
17Audi SQ5$1,990$228
18Lincoln Aviator$2,008$246
19Infiniti QX60$2,026$264
20Mercedes-Benz GLE450$2,042$280
21Mercedes-Benz GLE350$2,066$304
22Land Rover Discovery$2,074$312
23Mercedes-Benz AMG GLC43$2,110$348
24Audi Q7$2,158$396
25Audi e-tron$2,232$470
26Tesla Model X$2,242$480
27Mercedes-Benz AMG GLE53$2,248$486
28BMW X5$2,288$526
29Audi Q8$2,298$536
30Land Rover Range Rover Sport$2,312$550
31Audi SQ7$2,426$664
32BMW iX$2,458$696
33BMW X6$2,508$746
34Porsche Cayenne$2,528$766
35Mercedes-Benz AMG GLE63$2,650$888
36Audi RS 6$2,694$932
37BMW XM$2,948$1,186

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 $446 per year. Serious infractions like driving under the influence of drugs or alcohol could raise rates by an additional $1,582 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 $53 and $183 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 $2,094 or more per year.
  • Driver age and gender matter. For a 2023 Cadillac XT6, a 20-year-old man will pay an estimated rate of $3,478 per year, while a 20-year-old female will get a rate of $2,578, a difference of $900 per year. Women get significantly cheaper rates. But by age 50, rates for male drivers are $1,600 and the rate for females is $1,568, a difference of only $32.
  • 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 $277 per year when compared to a rating of 670-739. Conversely, a lesser credit rating could cost as much as $321 more per year.
  • Insuring teenagers can be very expensive. Average rates for full coverage XT6 insurance costs $6,036 per year for a 16-year-old driver, $5,702 per year for a 17-year-old driver, and $5,352 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 $2,412 per year for a 20-year-old driver and even $498 per year for a 60-year-old driver.