Auto insurance for a Cadillac


Founded in 1902, Cadillac is one of the oldest automotive companies in the country and as such has a long history in the United States. Over the past century, the company has become known for manufacturing comfortable luxury vehicles with major technological advancements, living up to its slogan of “Standard of the World”.

For Cadillac drivers, owning this vehicle comes with both a luxury experience and the responsibility to protect the vehicle with auto insurance. On average, the cost of comprehensive auto insurance in the United States is $1,674 per year. However, most Cadillac vehicles can cost more than average to insure due to the cost of construction parts and quality. Individual insurance rates may also vary based on location, driving history and coverage selections. No matter what type of Cadillac you drive, however, it’s always possible to find car insurance that meets 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, maintenance and car insurance costs for Cadillac cars are generally higher than for economy cars. The average cost of car insurance is $1,674, but after analyzing data from Quadrant Information Services, Bankrate found that car insurance for the Cadillac can be higher than average. The actual cost of insurance for a specific Cadillac model will depend on its year, make and model, as well as some of the vehicle-related factors below:

  • Crash rate statistics by make/model: Although the Insurance Institute for Highway Safety (IIHS) does not provide crash statistics for all Cadillac models, they do include an overview of the safety features of the 2021 Cadillac XT5 and 2019 Cadillac CTS. In general, both got performs well in most impact resistance categories.
  • Parts prices: As a luxury vehicle, parts in every Cadillac are generally more expensive to replace, especially if you’re looking for genuine parts. The price of Cadillac parts also means that auto insurance for these vehicles will be higher, as there are higher costs to replace parts after an accident.
  • Safety devices: Common safety features on Cadillac models include adaptive cruise control, rear cross traffic alert, and active response. More safety features can help reduce the risk of accidents, a key factor that insurance companies consider when evaluating vehicles.

Auto insurance for a Cadillac: by model

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

Car insurance for Cadillac CT6

Although discontinued in 2020, the Cadillac CT6 was one of the largest luxury sedans offered by Cadillac. The base model CT6 had a 3.6L V9 engine with 335 horsepower, unlike earlier models, which had more options. For safety features, owners of a Cadillac CT6 can include OnStar, Blind Spot Monitoring and Forward Collision Warning to make driving safer.

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 CT5 model, but with a performance-focused boost. The 2022 model features a 3.0L twin-turbocharged V6 engine capable of delivering 360 horsepower and 405 lb-ft of torque.

In addition to its power, many safety features are standard on the 2022 CT5-V. Some of them include enhanced automatic emergency braking and forward collision warning, 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 features a powerful 6.2L V8 engine with Cadillac’s Dynamic Fuel Management System. Seating up to seven passengers, the Escalade also has a rear seat reminder feature to help drivers check the rear seats before leaving their vehicle. 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 might be the perfect fit. The 2022 base luxury model comes with a 2.0L turbocharged 4-cylinder engine with 235 horsepower and 258 lb-ft of torque. Like other Cadillac vehicles, the XT5 comes with standard safety features such as forward and automatic pedestrian emergency braking, as well as forward collision warning and safety alert seat.

Cadillac XT5 car insurance Average annual premium
Minimum coverage $473
Full coverage $1,687

The cheapest car insurance companies for Cadillacs

Perhaps one of the most important decisions drivers have to make when buying car insurance is choosing an insurance company. Bankrate reviewed the top auto insurance companies in the United States to find the best auto insurance companies based on market share, customer satisfaction, financial strength ratings and other factors. Rates vary for each driver, but below is an estimate of how much each company might offer for each Cadillac model:

Average annual premium for full coverage per 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 made a few features standard on all of its vehicles. These features and technological advancements increase the safety rating of every car 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 warns drivers of a potential frontal collision if their Cadillac detects objects in front of them. It can also alert drivers if they are chasing the car in front of them too closely.
  • Automatic braking emergency: Working with Forward Collision Warning, this feature will automatically brake in specific circumstances to help avoid or lessen the impact of a frontal collision.
  • Teen Driver System: Parents of young drivers can help instill good driving habits with this Cadillac safety feature. This feature lets you set warnings and speed limits, and you can set a volume limit to minimize distractions while your child is driving.

Other auto insurance coverage for a Cadillac

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

When thinking about 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 expense coverage can cover medical expenses if you or passengers in your vehicle are injured. Even more coverage options include roadside assistance, rental car coverage, and even new car replacement coverage if you just bought a new Cadillac from the dealership.

Although some auto insurance options are standard among all auto insurance companies, there are plenty of ways to customize your auto insurance policy to suit your needs and lifestyle. The best way to find what works for you and your Cadillac is to get quotes from several car insurance companies and talk to licensed agents.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2019 Cadillac of the following model types, commute five days a week, and drive 12,000 miles per year:

  • Cadillac CT6
  • Cadillac CTS-V
  • Cadillac Escalade
  • Cadillac XT5

These are sampling rates and should only be used for comparison purposes.

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