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Car insurance for a Cadillac

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Founded in 1902, Cadillac is one of the oldest automotive companies in the nation, and as such, it has a long history in the United States. Over the last century, the company has become well-known for making comfortable luxury vehicles with major technological advances, living up to its slogan of “Standard of the World.”

For Cadillac drivers, owning this vehicle comes with both a luxury experience and a responsibility to protect the vehicle with car insurance. On average, the cost of full coverage car insurance in the United States is $1,674 per year. However, most Cadillac vehicles may cost more than the average to insure due to the cost of build parts and quality. Individual insurance rates may also vary due to location, driving history and coverage selections. No matter what type of Cadillac you drive, however, it’s still possible to find car insurance that fits your needs at the right price.

Models included in this review

  • Cadillac CT6 (this model was discontinued in 2020)
  • Cadillac CT5-V
  • Cadillac Escalade
  • Cadillac XT5

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 compared to those of economy cars. The average cost of car insurance is $1,674, but after analyzing data from Quadrant Information Services, Bankrate has found that car insurance for the Cadillac can be higher than the average. The actual insurance cost for a specific Cadillac model will depend on its year, make and model, as well as some of the vehicle factors below:

  • Crash rate stats per make/model: Although the Insurance Institute for Highway Safety (IIHS) does not provide accident statistics for all Cadillac models, they do include an overview on safety features for the 2021 Cadillac XT5 and 2019 Cadillac CTS. In general, both scored well on most Crashworthiness categories.
  • Price of parts: As a luxury vehicle, the parts of each Cadillac are typically more expensive to replace, especially if looking for OEM parts. The price of Cadillac parts also means that car insurance for these vehicles will be higher, as the costs are higher to replace parts after an accident.
  • Safety features: Common safety features in Cadillac models include adaptive cruise control, rear cross traffic alert, and active response. More safety features can help with lowering the possibility of accidents, a key factor that insurance companies consider when rating vehicles.

Car insurance for a Cadillac: by model

Evaluating both the make and model of a Cadillac will help to provide a better estimate of how much you might expect to pay for car insurance. Although the actual costs may vary due to your location, driving history, coverage selections and other factors, the figures below can be a useful comparison tool for car insurance costs across different Cadillac models.

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 had a 3.6L V9 engine with 335 horsepower, unlike prior models, which had more options. For safety features, owners of a Cadillac CT6 can include OnStar, blind-spot monitoring and forward collision alert to make driving more safe.

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 mid-size sedan like the base model CT5 but with a performance-oriented boost. The 2022 model includes a 3.0L twin-turbocharged V6 engine capable of providing 360 horsepower and 405 lb-ft of torque.

In addition to its power, many safety features come standard on the 2022 CT5-V. Some of these include enhanced automatic emergency braking and forward collision alert, among others. Drivers can also purchase even more features to make their CT5-V safer to drive.

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 6.2L V8 engine with Cadillac’s Dynamic Fuel Management system. With seating for up to seven passengers, the Escalade also has a Rear Seat Reminder feature to help drivers check the back seats before leaving their vehicles. Other safety features include front pedestrian braking, automatic emergency braking and safety alert seat.

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

Car insurance for Cadillac XT5

For drivers looking for a more compact SUV, the Cadillac XT5 could be the perfect fit. The 2022 base luxury model comes with 2.0L turbo 4-cylinder engine with 235 horsepower and 258 lb/-ft of torque. Similarly to other Cadillac vehicles, the XT5 comes with standard safety features like front pedestrian and automatic emergency braking, as well as 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

Perhaps one of the biggest decisions drivers need to make while purchasing car insurance is selecting an insurance company. Bankrate reviewed major auto insurance companies in the United States to find the best car insurance companies by market share, customer satisfaction, financial strength ratings and other factors. Rates will vary for every driver, but below is an estimate of how much each company might quote for each Cadillac model:

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

Cadillac features that impact insurance costs

To make driving safer, Cadillac has ensured a few features come standard on all of their vehicles. These features and technological advancements increase each car’s safety rating and are very important to car insurance companies when determining car insurance rates. Some of these standard features include:

  • Forward collision alert: This warning system alerts drivers of a potential front-end collision if their Cadillac senses objects in front of them. It can also alert drivers if they are tailgating the car in front of them too closely.
  • Automatic braking emergency: By working together with the forward collision alert, this feature will brake automatically under specific circumstances to help avoid or reduce the impact of a front-end collision.
  • Teen driver system: Parents with young drivers can help instill good driving habits with this Cadillac safety feature. This feature allows you to set speed warnings and limits, and you can set a volume limit to minimize distractions while your child is driving.

Other car insurance coverage for a Cadillac

Although most states have a minimum requirement for auto insurance, it can be beneficial to purchase additional insurance beyond these limits in order to get better protection. This could include choosing higher liability limits for bodily injury and property damage to better protect your finances and act as a buffer to avoid paying the full cost of an at-fault accident out-of-pocket.

When considering how to insure your Cadillac, insurance coverage options like collision and comprehensive coverage can add a layer of protection for repairing your vehicle in the event of a claim. Medical payments coverage can go toward medical costs if you or any passengers in your vehicle are injured. Even more coverage options include roadside assistance, rental car coverage and even a new car replacement coverage if you just purchased a new Cadillac from the dealership.

While some car insurance options are standard among all car insurance companies, there are many ways to personalize your car insurance policy to best suit your needs and lifestyle. The best way to find what works for you and your Cadillac is to request quotes from multiple car insurance companies and speak to licensed agents.

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