If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Cadillac costs? Here’s what you need to know.
According to CarInsurance.com’s rate analysis, the average annual cost for Cadillac car insurance is $3,480 or $290 per month. Remember that your specific rates may vary depending on the Cadillac model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Cadillac is $3,480 per year.
- The XT4 is the cheapest Cadillac model to insure.
- Advanced safety features that come standard on Cadillac models help lower your insurance costs.
Average cost of car insurance for a Cadillac, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Cadillac car insurance rates from various insurance companies.
Cost to insure a Cadillac, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,289 | $1,145 | $191 |
| Nationwide | $2,867 | $1,433 | $239 |
| GEICO | $2,942 | $1,471 | $245 |
| State Farm | $2,970 | $1,485 | $247 |
| Progressive | $3,217 | $1,608 | $268 |
| Allstate | $4,429 | $2,215 | $369 |
| Farmers | $4,732 | $2,366 | $394 |
| USAA | $2,615 | $1,308 | $218 |
Cadillac average insurance rates, by model
Cadillac XT4 car insurance cost
Car insurance cost for a Cadillac XT4 is $225 per month or $2,703 a year, based on CarInsurance.com’s rate analysis. Travelers offers the most affordable car insurance rates for a Cadillac XT4 at an average monthly cost of $146 or $1,755 yearly.
Cadillac XT5 car insurance cost
The average monthly car insurance premium for a Cadillac XT5 is $227 or $2,723 annually. Travelers is the most affordable company for a Cadillac XT5 owner, offering insurance at a monthly rate of just $142 or $1,708 per year.
Cadillac XT6 car insurance cost
For Cadillac XT6 owners, the average car insurance cost is $246 per month or $2,947 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $2,031 or $169 per month.
Cadillac CT4 car insurance cost
The monthly car insurance cost for a Cadillac CT4 is $265 , which translates to $3,176 annually. Travelers tops the list of the most affordable car insurance companies, with an average cost of $2,148 a year or $179 per month.
Cadillac Lyriq car insurance cost
The average monthly car insurance premium for a Cadillac Lyriq is $276 , which totals $3,309 annually. Travelers offers the cheapest rate at $179 per month or $2,154 annually.
Cadillac Optiq car insurance cost
The average car insurance premium for Cadillac Optiq is $281 per month, which translates to $3,376 per year. The most affordable company for a Cadillac Optiq is Progressive with a rate of $221 monthly or $2,654 per year.
Insurance rates by car model
The average cost of car insurance for a Cadillac, by driver age
Your age is an important rating factor in determining your Cadillac car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Cadillac by the driver’s age.
Cost to insure a Cadillac, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Cadillac CT4 | $10,513 | $5,256 | $876 |
| 18 | Cadillac CT4-V Blackwing | $13,275 | $6,638 | $1,106 |
| 18 | Cadillac CT5 | $11,179 | $5,590 | $932 |
| 18 | Cadillac CT5-V Blackwing | $15,101 | $7,550 | $1,258 |
| 18 | Cadillac Escalade | $13,122 | $6,561 | $1,094 |
| 18 | Cadillac Lyriq | $10,755 | $5,377 | $896 |
| 18 | Cadillac Optiq | $10,817 | $5,409 | $901 |
| 18 | Cadillac XT4 | $9,051 | $4,526 | $754 |
| 18 | Cadillac XT5 | $9,047 | $4,523 | $754 |
| 18 | Cadillac XT6 | $9,749 | $4,875 | $812 |
Cost to insure a Cadillac, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Cadillac CT4 | $3,176 | $1,588 | $265 |
| 40 | Cadillac CT4-V Blackwing | $4,060 | $2,030 | $338 |
| 40 | Cadillac CT5 | $3,420 | $1,710 | $285 |
| 40 | Cadillac CT5-V Blackwing | $4,683 | $2,341 | $390 |
| 40 | Cadillac Escalade | $4,068 | $2,034 | $339 |
| 40 | Cadillac Lyriq | $3,309 | $1,655 | $276 |
| 40 | Cadillac Optiq | $3,376 | $1,688 | $281 |
| 40 | Cadillac XT4 | $2,703 | $1,351 | $225 |
| 40 | Cadillac XT5 | $2,723 | $1,361 | $227 |
| 40 | Cadillac XT6 | $2,947 | $1,473 | $246 |
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Cadillac car insurance rates by state
Your location significantly impacts your Cadillac car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Cadillac car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,233 | $1,616 | $269 |
| Alabama | $3,098 | $1,549 | $258 |
| Arkansas | $3,897 | $1,948 | $325 |
| Arizona | $3,540 | $1,770 | $295 |
| California | $4,332 | $2,166 | $361 |
| Colorado | $4,086 | $2,043 | $340 |
| Connecticut | $3,937 | $1,968 | $328 |
| Washington, D.C. | $4,580 | $2,290 | $382 |
| Delaware | $3,846 | $1,923 | $320 |
| Florida | $3,886 | $1,943 | $324 |
| Georgia | $3,556 | $1,778 | $296 |
| Hawaii | $1,976 | $988 | $165 |
| Iowa | $3,067 | $1,533 | $256 |
| Idaho | $2,313 | $1,157 | $193 |
| Illinois | $2,859 | $1,429 | $238 |
| Indiana | $2,353 | $1,177 | $196 |
| Kansas | $3,519 | $1,759 | $293 |
| Kentucky | $4,110 | $2,055 | $343 |
| Louisiana | $5,877 | $2,939 | $490 |
| Massachusetts | $2,940 | $1,470 | $245 |
| Maryland | $3,879 | $1,940 | $323 |
| Maine | $2,226 | $1,113 | $185 |
| Michigan | $4,646 | $2,323 | $387 |
| Minnesota | $3,297 | $1,649 | $275 |
| Missouri | $3,547 | $1,773 | $296 |
| Mississippi | $4,043 | $2,021 | $337 |
| Montana | $3,354 | $1,677 | $279 |
| North Carolina | $3,010 | $1,505 | $251 |
| North Dakota | $2,934 | $1,467 | $244 |
| Nebraska | $3,589 | $1,795 | $299 |
| New Hampshire | $2,372 | $1,186 | $198 |
| New Jersey | $3,823 | $1,911 | $319 |
| New Mexico | $3,487 | $1,743 | $291 |
| Nevada | $4,383 | $2,191 | $365 |
| New York | $3,770 | $1,885 | $314 |
| Ohio | $2,288 | $1,144 | $191 |
| Oklahoma | $3,845 | $1,922 | $320 |
| Oregon | $2,909 | $1,455 | $242 |
| Pennsylvania | $3,519 | $1,759 | $293 |
| Rhode Island | $3,736 | $1,868 | $311 |
| South Carolina | $3,894 | $1,947 | $325 |
| South Dakota | $3,937 | $1,969 | $328 |
| Tennessee | $3,025 | $1,513 | $252 |
| Texas | $3,938 | $1,969 | $328 |
| Utah | $2,694 | $1,347 | $225 |
| Virginia | $2,972 | $1,486 | $248 |
| Vermont | $2,409 | $1,204 | $201 |
| Washington | $2,691 | $1,345 | $224 |
| Wisconsin | $3,277 | $1,639 | $273 |
| West Virginia | $3,052 | $1,526 | $254 |
| Wyoming | $2,844 | $1,422 | $237 |
Average car insurance cost for different vehicle makes
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To find affordable Cadillac car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Cadillac models to insure
Smaller, less expensive Cadillac models that have a low-power engine under the hood are always going to be cheaper to insure than more upscale or sporty models. Entry-level Cadillac base models can be very affordable to insure, but your premium will be headed up as you go up the scale when it comes to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Cadillac models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Cadillac
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Cadillac discounts on car insurance
To reduce the cost of your Cadillac insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious about Cadillac insurance premiums? The insurance rates vary based on the specific model you choose. Since Cadillac manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurers collect reams of statistical data, and the numbers show that vehicles that are popular with families (think SUVs and minivans) are in fewer accidents and file fewer claims than drivers of sedans and sports cars which is one reason they are cheaper to insure. Luxury vehicles and sports cars are also bursting with expensive trim materials and technology that pushes up the cost of repairs and insurance.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Cadillac
Cadillac, established in 1902, is an American automobile brand that’s renowned for its luxury vehicles. Named after Antoine de la Mothe Cadillac, the founder of Detroit, Cadillac has been at the forefront of automotive advancements, introducing creations like the electric self-starter and the clashless manual transmission.
Final thoughts on Cadillac insurance costs
Cadillac offers a diverse lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Cadillac model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Cadillac?
Yes, your driving record has a significant impact on your Cadillac’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Cadillac affect the insurance premium?
No, the color of your Cadillac does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Cadillac affect insurance costs?
The age of your Cadillac can influence your insurance costs. Older Cadillac models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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