If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
On average, Cadillac car insurance costs an average of $2,943 a year or $245 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Cadillac model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Cadillac is $2,943 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 vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Cadillac car insurance rates by insurance company.
Cost to insure a Cadillac, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,321 | $1,160 | $193 |
| State Farm | $2,325 | $1,162 | $194 |
| Geico | $2,500 | $1,250 | $208 |
| Progressive | $2,822 | $1,411 | $235 |
| Farmers | $3,699 | $1,850 | $308 |
| Allstate | $4,106 | $2,053 | $342 |
Cadillac average insurance rates, by model
Cadillac XT4 car insurance cost
The average car insurance premium for Cadillac XT4 is $199 per month, which translates to $2,388 per year. The most affordable company for a Cadillac XT4 is Nationwide with a rate of $148 monthly or $1,771 per year.
Cadillac XT5 car insurance cost
On average, car insurance for a Cadillac XT5 costs $203 a month or $2,440 per year. Nationwide has the cheapest car insurance cost for a Cadillac XT5 at $132 per month, equating to $1,580 annually.
Cadillac XT6 car insurance cost
For Cadillac XT6 owners, the average car insurance cost is $222 per month or $2,667 annually. State Farm offers the most affordable insurance premiums with an average annual cost of $2,082 or $174 per month.
Cadillac CT4 car insurance cost
The average car insurance premium for Cadillac CT4 is $238 per month, which translates to $2,861 per year. The most affordable company for a Cadillac CT4 is State Farm with a rate of $194 monthly or $2,331 per year.
Cadillac CT5 car insurance cost
The average monthly car insurance premium for a Cadillac CT5 is $246, which totals $2,954 annually. State Farm offers the cheapest rate at $189 per month or $2,272 annually.
Cadillac LYRIQ car insurance cost
The average car insurance premium for Cadillac LYRIQ is $249 per month, which translates to $2,985 per year. The most affordable company for a Cadillac LYRIQ is Geico with a rate of $183 monthly or $2,198 per year.
Insurance rates by car model
The average cost of car insurance for a Cadillac, by age
The cost of Cadillac car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Cadillac based on 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 | $11,015 | $5,508 | $918 |
| 18 | Cadillac CT4-V Blackwing | $12,562 | $6,281 | $1,047 |
| 18 | Cadillac CT5 | $11,293 | $5,646 | $941 |
| 18 | Cadillac CT5-V Blackwing | $16,137 | $8,069 | $1,345 |
| 18 | Cadillac Escalade | $12,204 | $6,102 | $1,017 |
| 18 | Cadillac LYRIQ | $10,998 | $5,499 | $917 |
| 18 | Cadillac XT4 | $9,219 | $4,609 | $768 |
| 18 | Cadillac XT5 | $9,294 | $4,647 | $775 |
| 18 | Cadillac XT6 | $10,044 | $5,022 | $837 |
Cost to insure a Cadillac, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Cadillac CT4 | $2,861 | $1,430 | $238 |
| 40 | Cadillac CT4-V Blackwing | $3,325 | $1,663 | $277 |
| 40 | Cadillac CT5 | $2,954 | $1,477 | $246 |
| 40 | Cadillac CT5-V Blackwing | $4,343 | $2,171 | $362 |
| 40 | Cadillac Escalade | $3,348 | $1,674 | $279 |
| 40 | Cadillac LYRIQ | $2,985 | $1,492 | $249 |
| 40 | Cadillac XT4 | $2,388 | $1,194 | $199 |
| 40 | Cadillac XT5 | $2,440 | $1,220 | $203 |
| 40 | Cadillac XT6 | $2,667 | $1,333 | $222 |
Cadillac car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Cadillac car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Cadillac car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,668 | $1,334 | $222 |
| Alabama | $2,680 | $1,340 | $223 |
| Arkansas | $3,177 | $1,588 | $265 |
| Arizona | $2,715 | $1,357 | $226 |
| California | $3,580 | $1,790 | $298 |
| Colorado | $3,815 | $1,907 | $318 |
| Connecticut | $3,037 | $1,518 | $253 |
| Washington, D.C. | $3,427 | $1,714 | $286 |
| Delaware | $2,850 | $1,425 | $238 |
| Florida | $3,250 | $1,625 | $271 |
| Georgia | $3,597 | $1,799 | $300 |
| Hawaii | $1,781 | $891 | $148 |
| Iowa | $2,623 | $1,312 | $219 |
| Idaho | $1,882 | $941 | $157 |
| Illinois | $2,818 | $1,409 | $235 |
| Indiana | $2,624 | $1,312 | $219 |
| Kansas | $3,212 | $1,606 | $268 |
| Kentucky | $3,760 | $1,880 | $313 |
| Louisiana | $4,709 | $2,354 | $392 |
| Massachusetts | $2,717 | $1,359 | $226 |
| Maryland | $2,758 | $1,379 | $230 |
| Maine | $2,105 | $1,053 | $175 |
| Michigan | $3,580 | $1,790 | $298 |
| Minnesota | $3,232 | $1,616 | $269 |
| Missouri | $3,713 | $1,857 | $309 |
| Mississippi | $3,228 | $1,614 | $269 |
| Montana | $3,223 | $1,611 | $269 |
| North Carolina | $2,467 | $1,233 | $206 |
| North Dakota | $2,723 | $1,362 | $227 |
| Nebraska | $3,218 | $1,609 | $268 |
| New Hampshire | $2,239 | $1,119 | $187 |
| New Jersey | $2,816 | $1,408 | $235 |
| New Mexico | $3,029 | $1,514 | $252 |
| Nevada | $2,676 | $1,338 | $223 |
| New York | $2,386 | $1,193 | $199 |
| Ohio | $2,120 | $1,060 | $177 |
| Oklahoma | $3,183 | $1,591 | $265 |
| Oregon | $2,697 | $1,349 | $225 |
| Pennsylvania | $3,060 | $1,530 | $255 |
| Rhode Island | $3,413 | $1,706 | $284 |
| South Carolina | $2,686 | $1,343 | $224 |
| South Dakota | $3,811 | $1,906 | $318 |
| Tennessee | $3,223 | $1,611 | $269 |
| Texas | $4,077 | $2,039 | $340 |
| Utah | $2,296 | $1,148 | $191 |
| Virginia | $2,143 | $1,071 | $179 |
| Vermont | $2,286 | $1,143 | $191 |
| Washington | $2,425 | $1,212 | $202 |
| Wisconsin | $2,300 | $1,150 | $192 |
| West Virginia | $2,735 | $1,368 | $228 |
| Wyoming | $3,426 | $1,713 | $286 |
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.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Cadillac models to insure
Opting for smaller, less costly Cadillac models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade 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, independent broker/agent with A Plus Insurance. “If you are younger and you 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
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
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 among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for 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?
Your driving record is important in determining your Cadillac’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Cadillac affect the insurance premium?
The color of your Cadillac does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Cadillac affect insurance costs?
The age of your Cadillac can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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