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Car insurance for a Cadillac

Updated Dec 02, 2022
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Founded in 1902, Cadillac was the first company to create a passenger car with a fully enclosed cabin. Today, Cadillacs are equipped with some of the latest technological advances, but you’ll still likely need a car insurance policy to protect your financial investment.
 
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How much does it cost to insure a Cadillac?

As a luxury vehicle, costs for maintenance and auto insurance for Cadillac cars are typically more expensive than those of economy cars. After analyzing data from Quadrant Information Services, Bankrate has found that average full coverage car insurance for some popular Cadillac models is higher than the national average. The following factors may impact how much you pay for insurance for your Cadillac vehicle.

  • Crashworthiness ratings per make/model: According to the Insurance Institute for Highway Safety (IIHS), both the 2022 Cadillac XT5 and 2019 Cadillac CTS scored fairly well in most crashworthiness categories. However, both models fell short when it came to headlight quality, with crash avoidance ratings of “moderate” for the XT5 and “poor” for the CTS.
  • Price of parts: As a luxury vehicle, parts for Cadillac repairs may be more expensive than those for economy vehicles. However, Cadillacs are primarily manufactured in the U.S., which may improve part pricing and availability.
  • Safety features: Common safety features in newer Cadillac models include forward collision alert, rear parking assist and automatic emergency braking. More safety features may help lower the possibility of accidents, so insurance companies may reduce rates accordingly.

Car insurance for a Cadillac by model

Evaluating Cadillacs by model may provide a better estimate of how much you could expect to pay for car insurance. Although the actual costs may vary due to your personal rating factors, the figures below might be useful for comparing car insurance costs.

Car insurance for Cadillac CT6

Although discontinued in 2020, the Cadillac CT6 was one of the larger luxury sedans that Cadillac offered. The base model CT6 has a 3.6-liter V6 engine with 335 horsepower. For safety features, the 2020 Cadillac CT6 includes curtain airbags, a collision warning system, blind-spot alert and parking sensors.

Cadillac CT6 car insurance Average annual premium
Minimum coverage $477
Full coverage $2,248

Car insurance for Cadillac CT5-V

Cadillac’s CT5-V is a luxury midsize sedan like the base model CT5 but with a performance-oriented boost. The 2023 model includes a 3.0-liter twin turbo V6 engine capable of providing 360 horsepower. In addition to its power, many safety features come standard on the 2023 CT5-V. These include automatic emergency braking, forward collision alert and even a teen driver mode, which allows parents to activate extra safety features when a specific driver’s key fob is used to start the car.

Cadillac CT5-V car insurance Average annual premium
Minimum coverage $478
Full coverage $2,929

Car insurance for Cadillac Escalade

The Cadillac Escalade is the company’s flagship SUV model and comes equipped with a powerful 6.2-liter V8 engine. With seating for up to seven passengers, the Escalade also has a rear seat reminder feature to encourage drivers to check the back seats before leaving their vehicle. Other safety features include front pedestrian braking, parking assist and automatic emergency braking.

Cadillac Escalade car insurance Average annual premium
Minimum coverage $513
Full coverage $2,165

Car insurance for Cadillac XT5

The Cadillac XT5 is the company’s more compact SUV with many of the same safety features as the Escalade. The 2023 base model comes with a 2.0-liter turbo 4-cylinder engine with 235 horsepower and 258 lb/-ft of torque. The XT5 comes with standard safety features like front pedestrian and automatic emergency braking, forward collision alert and safety alert seat.

Cadillac XT5 car insurance Average annual premium
Minimum coverage $473
Full coverage $1,687

Cheapest car insurance companies for Cadillacs

Bankrate reviewed major auto insurance companies in the United States to find the best car insurance companies based on average rates, customer satisfaction, financial strength ratings, availability and more. Below you can find average rates for Cadillacs from some of the top auto insurance companies. If you’re looking for the cheapest rates, most insurance professionals recommend comparing quotes from multiple providers.

Average annual premium for full coverage by model

Car insurance company Cadillac CT6 Cadillac CT5-V Cadillac Escalade Cadillac XT5
Amica $1,673 $2,042 $1,404 $1,209
Erie $1,499 $1,891 $1,416 $1,144
Geico $1,964 $2,932 $1,897 $1,460
State Farm $1,683 $2,232 $1,749 $1,273
USAA $1,674 $3,493 $1,700 $1,427

What features impact my Cadillac insurance costs?

Cadillac recently announced an enhanced line of safety features for all its new vehicles, starting with 2021 models. These features and technological advancements may increase each car’s safety rating and could reduce average Cadillac insurance premiums. These features include:

  • Forward collision alert: This warning system alerts drivers of a potential front-end collision if their Cadillac detects objects in front of them. It may also warn drivers if they are tailgating the car in front of them too closely.
  • Automatic emergency braking: Newer Cadillacs also use forward collision alert to brake automatically under specific circumstances to help avoid or reduce the impact of a front-end collision.
  • Teen driver system: Parents with young drivers may be interested in this feature, which allows you to set speed warnings and limits, as well as a volume limit to minimize distractions while your child is driving.
  • Front and rear parking sensors: These sensors warn if you’re getting too close to another car or object.
  • Rearview camera: Whenever you put the car in reverse, an image of what’s behind you will appear on your dashboard touchscreen for improved awareness of your surroundings.

Other car insurance coverage for a Cadillac

Although most states have minimum requirements for auto insurance, most insurance professionals recommend purchasing higher limits if you can afford to do so. This could include choosing higher liability limits for bodily injury and property damage to better protect your finances.

If you lease your vehicle, your lender will likely require you to carry collision and comprehensive insurance, which may help you pay for damages to your own car in the event of an accident. Some other common endorsements include gap insuranceroadside assistance and rideshare coverage.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Cadillac of the following model types, commute five days a week and drive 12,000 miles annually:

  • Cadillac CT6
  • Cadillac CTS V
  • Cadillac Escalade
  • Cadillac XT5

These are sample rates and should only be used for comparative purposes.

Written by
June Sham
Insurance Writer

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

Edited by Insurance Editor