How much does Cadillac car insurance cost?
Since its inception, the Cadillac brand has exemplified precision engineering and elegant luxury finishes—making vehicles that remain among the most esteemed in the United States. Positioned at the top of the luxury vehicle segment, Cadillac has become synonymous with affluence, achievement, and sophistication.
Subaru drivers pay an average of $1,164 per year for auto insurance—but every Subaru car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes.
How to find the cheapest Cadillac car insurance quotes
We closely analyzed Cadillac insurance quotes from real Jerry customers to help us generate accurate, personalized quotes for you.
Jerry has helped hundreds of drivers to find cheap car insurance. Check out some of our recent quotes below!
|
Date
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer Details
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| November 27, 2024 | Cadillac Cts Luxury Collectio | Bristol West | $217 | Mittie, 37, Resaca, GA | State Minimum | No |
| November 27, 2024 | Cadillac Cts | Bristol West | $113 | Eddie, 34, Chicopee, MA | State Minimum | No |
| November 27, 2024 | Cadillac Cts Luxury Collectio | Assurance America | $151 | David, 24, Gainesville, FL | No Coverage | No |
| November 27, 2024 | Cadillac Escalade Esv Platinu | Progressive | $205 | Ora, 46, Kennesaw, GA | State Minimum | No |
| November 27, 2024 | Cadillac Xt5 Luxury | Dairyland | $355 | Jorge, 23, Plano, TX | State Minimum | No |
The best car insurance companies for Cadillac drivers
There isn’t a single insurance company out there that can universally offer the best or cheapest rates for every Cadillac driver. The ideal company for you will depend on various factors, such as your driving record, demographics, eligibility for discounts, and the specific model of your vehicle.
It’s important to keep these factors in mind when shopping for car insurance.
To find out which insurance companies provide the most competitive rates for Cadillac owners, Jerry conducted the most extensive nationwide survey on insurance shopping. Take a look at the table below to see how Cadillac drivers rank various insurance companies.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
| Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Insurance costs for popular Cadillac models
Your Cadillac insurance costs are heavily influenced by the model you drive. Specifically, insurers consider the following features when determining your rate:
- Safety ratings: Cadillac models with a greater number of safety features and higher safety ratings—like the Cadillac XT6—tend to have lower insurance costs.
- Vehicle value: Your insurance costs increase in proportion to your vehicle’s value. That’s why the CT4 costs less to insure than the CTS or Escalade.
- Vehicle class: Compact sedans and compact SUVs typically cost less to insure than larger sedans or sports-oriented models. The trim level you choose can also have an impact on the price you pay.
- Engine size: Cars that pack a lot of horsepower are considered a greater risk to insurers since there’s an increased likelihood for drivers to speed and get into trouble, not to mention the potential for serious accidents.
- Availability of replacement parts: If you drive a rarer model or highly customized car, replacement parts can become harder to source—which can drive up your insurance costs.
- Cost of repairs: Like many luxury car brands, Cadillacs are slightly more expensive to maintain and repair than other vehicles, which contributes to increased insurance rates.
Jerry has helped drivers save on auto coverage for the most popular Cadillac models.
| Car | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Cadillac CTS | $100 | $201 |
| Cadillac SRX | $103 | $193 |
| Cadillac Escalade | $102 | $190 |
| Cadillac ATS | $118 | $212 |
| Cadillac DeVille | $77 | $141 |
| Cadillac XT5 | $77 | $195 |
| Cadillac XTS | $113 | $235 |
Minimum coverage insurance refers to the amount of liability coverage that’s legally required in your state, including bodily injury liability and property damage liability. These types of policies usually offer basic protection at a lower cost.
Full-coverage insurance, on the other hand, can provide greater protection for you and your vehicle, as it includes collision and comprehensive coverage in addition to basic liability insurance—but it comes with a higher price tag.
While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes. Jerry makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds.
Cadillac XTS insurance costs
The Cadillac XTS is a spacious five-seater competing at the top of the luxury sedan segment. Despite the fact that Cadillac halted production on the XTS over four years ago, used models continue to garner starting prices upward of $47,000.
That means you can still expect to pay elevated insurance costs—although they may still be more affordable than coverage for a brand-new Caddy.
The Cadillac XTS is offered in five different trim levels, which increase in price (and insurance costs) as you climb up the ladder. These are:
- Base (XTS): Simply called the XTS, the base model comes with the cheapest price tag—but that doesn’t mean it’s not well-equipped. Inside, you’ll find high-tech amenities like a rearview camera and rear parking sensors, Bluetooth compatability, and a built-in Wi-Fi hotspot. Leather upholstery also comes standard.
- Luxury: The Luxury trim level builds on the base, adding extras like built-in navigation, driver-seat memory settings, and automatic parking for front-wheel drive models.
- Premium Luxury: In the Premium Luxury, you won’t have to pay extra for safety tech—features like lane departure warnings, blind-spot monitoring, and automatic braking come standard, along with an upgraded interior.
- Platinum: The Platinum trim builds on the sedan’s already high-end interior features, adding an electronic limited-slip differential, faux-suede headliners, and an extended leather trim for the center console and dash panel.
- Platinum V-Sport: What sets the V-Sport apart from its counterpart is primarily its 3.6-liter turbocharged V6 engine. Additionally, all-wheel drive comes standard.
In the table below, you’ll find real quotes on Cadillac XTS insurance from Jerry.
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cadillac Xts Luxury | National General | $91 | Steven, 54, Tavernier, FL | No Coverage | Yes |
| Cadillac Xts Premium | Progressive | $158 | John, 55, Altamonte Springs, FL | State Minimum | Yes |
| Cadillac Xts Premium | The General | $188 | Adam, 48, Waycross, GA | State Minimum | Yes |
| Cadillac Xts Luxury | Trexis | $121 | Manuel, 45, Columbus, OH | State Minimum | No |
| Cadillac Xts Luxury | National General | $478 | Brandon, 35, Antioch, TN | 50/100 | Yes |
Cadillac XT5 insurance cost
With a starting MSRP of $45,600, the Cadillac XT5 meets every standard you’d expect a luxury, mid-size SUV to meet: a roomy interior, smooth ride, and spacious cargo hold. It’s also fairly affordable, compared to similar SUVs in its segment.
Like its compact counterpart, the mid-size XT5 comes in three distinct trims: Luxury, Premium Luxury, and Sport.
- Luxury (Base): Starting at $45,600, the XT5 base trim offers a tiny but powerful turbocharged 2.0-liter engine, nine-speed automatic transmission, and driver’s assistance tech like front and rear parking sensors, forward collision warning, and lane-keeping assist.
- Premium Luxury: Starting at $51,400, the Premium Luxury is the most XT4 popular trim, as it adds leather upholstery, a panoramic sunroof, built-in navigation, and upgraded driver’s assistance technology to the mix.
- Sport: Starting at $58,500, the Sport trim mirrors the Premium Luxury in features, while expanding on the SUV’s athletic appearance with 20-inch wheels, standard all-wheel drive, and a sport-tuned suspension and updated braking system.
Here’s how much you might expect your cost to change based on the trim level of your car:
Check out real quotes for Cadillac XT5 insurance from Jerry in the table below.
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cadillac Xt5 Luxury | Dairyland | $355 | Jorge, 23, Plano, TX | State Minimum | No |
| Cadillac Xt5 Luxury | Bristol West | $362 | Landon, 56, Artesia, NM | 50/100 | Yes |
| Cadillac Xt5 Luxury | Progressive | $142 | Fannie, 45, New Cumberland, PA | 100/300 | Yes |
| Cadillac Xt5 Platinum | Progressive | $282 | Mittie, 48, Kennesaw, GA | State Minimum | Yes |
| Cadillac Xt5 Luxury | National General | $182 | Stanley, 57, Spring Hill, TN | 50/100 | Yes |
Cadillac Escalade insurance costs
Rounding out Cadillac’s SUV line-up is the full-size Escalade. Ranging in price from approximately $80,000 to a whopping $150,000, the Escalade ups seamlessly blends performance with indulgence, earning positive reviews from drivers and critics alike.
Available in an impressive seven trim levels, the Escalade is Cadillac’s most customizable SUV. Below, we take a closer look at what each trim has to offer:
- Luxury: Starting at $81,190, the base model for the Escalade comes generously equipped with simulated leather upholstery, keyless entry, and a 19-speaker audio system. It’s powered by a 2.6-liter V8 engine.
- Premium Luxury: Starting at $89,990, the Premium Luxury trim builds on the base model with extras like a massive 16.9-inch infotainment display, wireless charging pad, and driver’s assistance tech.
- Premium Luxury Platinum/Sport: Ranging from at $92,990 to $107,900, the Premium Luxury Platinum and Sport Platinum trims offer a multitude of performance upgrades, as well as indulgent creature comforts—from a rear-seat entertainment system to massaging front seats and a 36-speaker sound system. These models are also set apart by custom gloss-black trim and wheels.
- V: Starting at $151,090, the Escalade-V is the only model to feature a supercharged 6.2-liter V8 capable of 682 horsepower. The V also boasts specialized driving modes and high-performance brakes.
Here’s how much you might expect your cost to change based on the trim level of your car:
| Car Trim | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Escalade ESV | $116 | $169 |
| Escalade Cadillac Escalade | $115 | $262 |
| Escalade EXT | $86 | $171 |
| Escalade Luxury | $96 | $205 |
| Escalade ESV Luxury | $131 | $206 |
That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Cadillac Escalade Esv Platinu | Progressive | $205 | Ora, 46, Kennesaw, GA | State Minimum | No |
| Cadillac Escalade Luxury | National General | $49 | Harry, 33, Capistrano Beach, CA | State Minimum | No |
| Cadillac Escalade Esv | Bristol West | $183 | Ina, 42, Detroit, MI | State Minimum | No |
| Cadillac Escalade Luxury | Progressive | $72 | Lora, 24, Fernley, NV | State Minimum | No |
| Cadillac Escalade | Progressive | $189 | Lenora, 54, Boca Raton, FL | State Minimum | Yes |
Are Cadillacs more expensive to insure?
Compared to the average cost of other cars, Cadillac vehicles cost 4% more to insure.
| Car Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Chevrolet | $92 | $174 |
| Ford | $92 | $170 |
| Dodge | $95 | $189 |
| Lexus | $97 | $194 |
| Cadillac | $97 | $198 |
Cheapest Cadillacs to insure
When it comes to a standard auto policy, the cheapest Cadillac model to insure is the 2020 Cadillac CT4-V, which costs on average $40 per month for state minimum coverage or $171 per month for full coverage.
| Car Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
| 2020 Cadillac CT4-V | $77 | $171 |
| 2011 Cadillac STS | $77 | $141 |
| 2020 Cadillac XT5 | $77 | $229 |
| 2017 Cadillac XT5 | $77 | $163 |
| 2018 Cadillac XTS | $77 | $258 |
Most expensive Cadillacs to insure
Cadillac insurance rarely comes cheap—but some models cost more to cover than others. The most expensive Cadilliac model to insure is 2018 Cadillac Escalade, with an average monthly premium of $192 for state minimum coverage, or $218 for full coverage.
| Car Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
| 2018 Cadillac Escalade | $144 | $218 |
| 2017 Cadillac ATS | $144 | $203 |
| 2020 Cadillac Escalade | $144 | $209 |
| 2019 Cadillac XTS | $144 | $243 |
| 2016 Cadillac SRX | $144 | $226 |
Although averages can help provide a rough estimate of your personal insurance costs, it’s important to remember that insurance rates are influenced by various factors such as your driving history, demographics, residential location, and more. The best way to find accurate rates is by shopping for personalized auto insurance quotes using a comparison website or app, like Jerry.
What factors affect Cadillac car insurance rates?
A number of factors contribute to how car insurance rates are calculated, including:
- Vehicle cost: Premiums tend to be higher for higher-value models.
- Vehicle age: With the exception of some collector models, older versions of Cadillac cars incur lower insurance costs compared to new ones.
- Cost of parts: Less common and customized models have higher replacement and repair costs, making them more expensive for insurance companies to cover.
- Your age: Drivers under 25 usually face higher insurance rates due to limited experience, while senior drivers above 70 may also encounter increased rates.
- Your driving record and claims history: Drivers with a clean record are often offered lower rates, while those with a history of accidents, tickets, and violations can expect higher premiums.
- Where you keep your car: Insurance costs can be higher for individuals who park in neighborhoods with more elevated rates of property crime, auto theft, and/or weather risk—meaning rates can vary from city to city.
Here are a few specific factors that impact insurance rates for Cadillac vehicles:
- Availability: Replacement parts for many Cadillac cars are expensive, even if you’re using aftermarket or used parts. This is especially true for classic Cadillacs.
- Imports: Cadillacs are primarily manufactured in the U.S., Canada, and China. Models made in other countries need to be shipped in, which can increase costs.
- Trim level: The cost of your Cadillac can vary greatly based on the trim level you select. Base trims cost less to insure than upper-tier trim levels.
- Safety: Cadillac’s high safety ratings are offset by their turbocharged engines and capacity for high speeds.
Cadillac insurance cost for young drivers
Teen drivers aged 16 to 19 are often confronted with disproportionately high car insurance rates, due to limited driving experience and lack of insurance history. Whether you’re considering coverage for your teenager or are a teen with your own car, it’s worth investing in a full-coverage policy—which can provide the highest level of protection for inexperienced drivers.
Cadillac insurance cost for senior drivers
A lot of insurance companies see senior drivers as a risky bunch to insure. That’s because:
- Senior drivers have a higher probability of being involved in car accidents
- Accidents involving senior drivers often lead to more severe injuries and higher medical expenses
As a result, drivers may notice an increase in their car insurance premiums once they turn 75.
Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone.
Cadillac insurance cost for drivers with driving violations
Aside from the model you drive, your Cadillac insurance costs are affected by your personal driving history. Typically, drivers with a “clean” record (one that does not contain traffic violations or insurance claims) are offered the most affordable rates.
But if you’ve earned one or more of the following violations within the past three to five years, you could end up paying even higher premiums for coverage:
- Speeding tickets
- DUIs
- At fault accidents
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Cadillac drivers with a speeding ticket
Speeding tickets are one of the most common violations on the road—we’ve all been there. If you get a speeding ticket in your Cadillac, your insurance premium could increase by an average of 13%.
Jerry can help Cadillac owners keep car insurance costs low after a speeding violation.
|
Speeding Type
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Cadillac Escalade Luxury | National General | $49 | Harry, 33, Capistrano Beach, CA | State Minimum | No |
| Speeding Violation-Major | Cadillac Srx | Progressive | $124 | Bill, 29, Burkburnett, TX | State Minimum | No |
| Speeding 11-15 | Cadillac Ct6 | National General | $396 | Joel, 53, Charleston, SC | 50/100 | Yes |
| Speeding Violation-Minor | Cadillac Cts | National General | $636 | Bertha, 45, Atlanta, GA | State Minimum | Yes |
| Speeding Violation-Minor | Cadillac Srx Luxury Collection | Aspire Advantage | $62 | Garrett, 36, Garden Grove, CA | State Minimum | No |
Cheapest car insurance for Cadillac drivers with a DUI
If you have a DUI conviction on your driving record, insurance companies can hit you with substantially higher rates or even deny coverage altogether.
You may need to compare rates from multiple providers to find low-cost insurance coverage after a DUI. That’s where Jerry comes in to lend a hand:
Cheapest car insurance for Cadillac drivers after an accident
Your car accident or claims history can have a substantial impact on your Cadillac car insurance costs. If you’ve been involved in an at-fault accident recently, there’s a chance your costs could shoot up.
Check out how Jerry has assisted Cadillac drivers in saving money after an accident:
|
Accident type
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| At Fault With No Injury | Cadillac Cts Luxury Collectio | Bristol West | $217 | Mittie, 37, Resaca, GA | State Minimum | No |
| At Fault With Injury | Cadillac Cts | Bristol West | $113 | Eddie, 34, Chicopee, MA | State Minimum | No |
| Not At Fault | Cadillac Escalade Esv Platinu | Progressive | $205 | Ora, 46, Kennesaw, GA | State Minimum | No |
| Not At Fault | Cadillac Xt5 Luxury | Dairyland | $355 | Jorge, 23, Plano, TX | State Minimum | No |
| At Fault With No Injury | Cadillac Cts Luxury Collectio | First Acceptance | $172 | Luella, 39, Lithonia, GA | State Minimum | No |
Cheapest car insurance for Cadillac drivers with other driving violations on their record
Besides speeding tickets and DUIs, other types of traffic violations can bump up your car insurance rates. Even your classic car insurance rate can be affected by at-fault accidents, speeding tickets, or DUI convictions on your driving record.
We have helped Cadillac drivers save on their insurance despite these violations.
|
Violation
|
Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Other Minor | Cadillac Xt5 Luxury | Dairyland | $355 | Jorge, 23, Plano, TX | State Minimum | No |
| Felony | Cadillac Escalade Esv | Bristol West | $183 | Ina, 42, Detroit, MI | State Minimum | No |
| Failure to Obey Signal | Cadillac Ats | Progressive | $70 | Albert, 49, Knoxville, TN | State Minimum | Yes |
| Ticket Violation Not Listed | Cadillac Escalade Esv | Progressive | $682 | Brian, 54, Paducah, KY | 100/300 | Yes |
| Suspension | Cadillac Escalade Esv | Embark General | $412 | Nathan, 40, Miami, FL | No Coverage | Yes |
How can I lower the cost of my Cadillac car insurance?
Cadillacs come with high price tags and expensive insurance costs—but affordable coverage is out there if you know where to look. Here are some tips to help keep your rates even lower:
- Shop around: The first insurance policy you find may not be the cheapest—that’s why it’s important to shop for quotes from multiple insurance companies to find the best deal. Luckily, that’s exactly what Jerry was designed to help you do. As a licensed insurance broker that’s partnered with over 55+ leading insurance providers, Jerry can narrow down all the best quotes and coverage options for you.
- Bundle your insurance policies: Consider bundling your car insurance with your homeowners or renter’s insurance to receive a discounted rate on both policies.
- Look for discounts: Most auto insurance companies offer discounts to help lower the cost of car insurance—and if you’re eligible for multiple discounts, the combined effect could put a sizable dent in your premium. Ask your agent if there are any unadvertised insurance discounts you may be eligible for, such as discounts for good driving, good students, or low mileage.
- Reduce your coverage: Consider reducing the coverage amount on older or infrequently driven vehicles. This is particularly beneficial if your car’s value is less than ten times the premium you’re currently paying.
- Raise your deductible: Your deductible is the out-of-pocket expense you pay before your collision or comprehensive coverage applies to a claim. Increasing this cost can lower your average monthly bill.
FAQ
-
Are Cadillacs expensive to insure?
-
Is insurance high on a Cadillac CTS?
-
Is Cadillac CTS expensive for insurance?
-
What is the meaning of Cadillac insurance?
-
Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
