Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Cadillac XT5? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Cadillac XT5 insurance facts

  • Average full coverage auto insurance premium: $163/month

  • Most affordable companies: American Family ($95/month) & Progressive ($101/month)

  • XT5 insurance cost vs. average rates: $17 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Cadillac XT5 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Cadillac XT5 insurer costs by state:

Risk factors affecting Cadillac XT5 coverage rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Cadillac XT5 car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Cadillac models, you can get the following insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Cadillac Luxury Automobile Brand

Cadillac is a division of the American auto manufacturer General Motors (GM) and top of the luxury field within the United States market. The target market of Cadillac is customers that demand refinement, high-end design, and features. All Cadillac automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Cadillac XT4, XT5, and CTS are some of their most popular vehicles.

Higher than average Cadillac XT5 repair costs equal higher coverage rates

Many consumers are attracted to Cadillac’s luxury, refinement, high-end features, safety, and driver-assist technologies, like Cadillac’s Super Cruise hands-free driving. Automotive parts are not as common as more popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Cadillac is above average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Cadillacs are going to have higher than average car insurance rates to similar vehicles in their class.

Rapid depreciation for XT5 affecting auto policies

Another factor to consider for luxury Cadillac’s is they depreciate rapidly, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Cadillac models. This could put you in a difficult situation position since many insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower auto rates for drivers

Cadillacs are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies or Cadillac’s Super Cruise “hands-free driving” technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for Cadillac models. The Cadillac XT6 is the Insurance Institute for Highway Safety (IIHS) “Top Safety Pick,” and the NHTSA consistently gives Cadillac automobiles top safety ratings each year, lowering your insurance costs.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Cadillac automobile owners when buying an insurance policy.

2021 Cadillac XT5

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2453
Allied$1453
Allstate$1946
American Family$1149
Amica$2648
Country Financial$2157
Erie$1329
GEICO$1541
Kentucky Farm Bureau$2254
Liberty Mutual$2586
Mercury$1850
Nationwide$1299
Progressive$1253
State Farm$1736
Tennessee Farmers$1778
Texas Farm Bureau$1647
The Hanover$2346
Travelers$2029

Compare all 2021 Cadillac XT5 rates

Average Cost to Insure Per Year

$1956

List Price

$43995

Trims Available

Base - Luxury - Premium Luxury - Platinum - Driver Awareness Package as well as Front and Rear Automatic Braking, Full Speed Range Adaptive Cruise Control - rear cross-traffic alert and a full-color head-up display - Standard active-safety features and driver assist technologies - low-speed automatic emergency braking, forward-collision warnings, active lane control, lane-departure warnings, blind-spot monitors, and lane-change alerts, Anti-lock brakes · Stability control · Front-impact airbags

2020 Cadillac XT5

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2141
Allstate$1649
American Family$1133
Country Financial$1736
Erie$1265
GEICO$1416
Kentucky Farm Bureau$1829
Liberty Mutual$1354
Mercury$1635
Nationwide$1189
Progressive$1154
State Farm$1529
Tennessee Farmers$1576
Texas Farm Bureau$1480
The Hanover$1940
Travelers$1705

Compare all 2020 Cadillac XT5 rates

Average Cost to Insure Per Year

$2039

List Price

$44095

Trims Available

Base - Luxury - Premium Luxury - Platinum - Driver Awareness Package as well as Front and Rear Automatic Braking, Full Speed Range Adaptive Cruise Control - rear cross-traffic alert and a full-color head-up display - Standard active-safety features - low-speed automatic emergency braking, forward-collision warnings, active lane control, lane-departure warnings, blind-spot monitors, and lane-change alerts, Anti-lock brakes · Stability control · Front-impact airbags

2019 Cadillac XT5

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2068
Allstate$1534
American Family$1120
Country Financial$1680
Erie$1216
GEICO$1286
Kentucky Farm Bureau$1809
Liberty Mutual$1234
Mercury$1511
Nationwide$1175
Progressive$1139
State Farm$1356
Tennessee Farmers$1490
Texas Farm Bureau$1328
The Hanover$1936
Travelers$1577

Compare all 2019 Cadillac XT5 rates

Average Cost to Insure Per Year

$1829

List Price

$41695

Trims Available

Base - Luxury - Premium Luxury - Platinum - Driver Awareness Package as well as Front and Rear Automatic Braking, Full Speed Range Adaptive Cruise Control - rear cross-traffic alert and a full-color head-up display - Standard active-safety features - low-speed automatic emergency braking, forward-collision warnings, active lane control, lane-departure warnings, blind-spot monitors, and lane-change alerts, Anti-lock brakes · Stability control · Front-impact airbags

2018 Cadillac XT5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1411
Acuity$ 1411
Allied$ 1395
Allied$ 1395
American Family$ 1619
American Family$ 1619
Erie$ 1159
Erie$ 1159
Mercury$ 1500
Mercury$ 1500
Nationwide$ 1405
Nationwide$ 1405
Plymouth Rock Insurance$ 1529
Plymouth Rock Insurance$ 1529
Progressive$ 1455
Progressive$ 1455
State Farm$ 1353
State Farm$ 1353
Tennessee Farmers$ 1035
Tennessee Farmers$ 1035
USAA$ 1199
USAA$ 1199
Vermont Mutual$ 1439
Vermont Mutual$ 1439

Compare all 2018 Cadillac XT5 rates

Average Cost to Insure Per Year

$ 1646

List Price

$ 40595

Trims Available

Base - Luxury - Premium Luxury - Platinum

2017 Cadillac XT5

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1436
Acuity$ 1436
Allied$ 1461
Allied$ 1461
Arbella$ 1651
Arbella$ 1651
Country$ 1572
Country$ 1572
Erie$ 1168
Erie$ 1168
Mercury$ 1466
Mercury$ 1466
Nationwide$ 1504
Nationwide$ 1504
Plymouth Rock Insurance$ 1498
Plymouth Rock Insurance$ 1498
Progressive$ 1477
Progressive$ 1477
State Farm$ 1425
State Farm$ 1425
USAA$ 1307
USAA$ 1307
Vermont Mutual$ 1444
Vermont Mutual$ 1444

Compare all 2017 Cadillac XT5 rates

Average Cost to Insure Per Year

$ 1714

List Price

$ 39395

Trims Available

Base - Luxury - Premium Luxury - Platinum