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Car insurance for a Cadillac
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The 2021 average annual cost of car insurance in the U.S. is $1,674 for full coverage. Based on Bankrate’s research, Cadillac insurance may be more expensive than the average, partly because they may be considered luxury vehicles with high retail prices and costly parts. Your own Cadillac auto insurance rates will likely differ from the average due to your individual insurance rating factors. Doing some research and comparing quotes from multiple providers may help you find a policy that fits within your budget.
Models included in this review:
- Cadillac CT6 (this model was discontinued in 2020)
- Cadillac CT5-V
- Cadillac Escalade
- Cadillac XT5
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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 insurance, roadside 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.