Cadillac Insurance Rates

The average cost of car insurance for a Cadillac model is about $1,943 per year.

This is $49 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Cadillac insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Cadillac insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per Cadillac Model

Model Good Driver Recent Accident Poor Credit
Cadillac CT4 Insurance Cost $1,836 $2,696 $3,154
Cadillac CT5 Insurance Cost $1,860 $2,731 $3,195
Cadillac CT6 Insurance Cost $2,176 $3,195 $3,737
Cadillac Escalade Insurance Cost $2,252 $3,307 $3,869
Cadillac Escalade ESV Insurance Cost $1,970 $2,892 $3,383
Cadillac XT4 Insurance Cost $1,757 $2,581 $3,019
Cadillac XT5 Insurance Cost $1,753 $2,575 $3,012

The cost to insure a Cadillac model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Cadillac, then see our insurance analysis and rankings for other makes and models here.

Cadillac Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,583 $9,667 $11,309
18 $6,135 $9,009 $10,539
19 $5,422 $7,961 $9,314
20 $4,727 $6,942 $8,121
21 $3,965 $5,821 $6,810
22 $3,861 $5,670 $6,633
23 $3,378 $4,961 $5,804
24 $3,210 $4,713 $5,514
25 $2,770 $4,067 $4,758
30 $2,158 $3,168 $3,706
35 $2,021 $2,967 $3,471
40 $1,943 $2,854 $3,338
45 $1,891 $2,777 $3,249
55 $1,735 $2,547 $2,979
65 $1,809 $2,657 $3,108
75 $2,283 $3,353 $3,923

Cadillac auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Cadillac models by state.

Average Cadillac Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $2,059 $2,991 $3,807
Alaska $1,703 $2,361 $2,295
Arizona $1,926 $2,784 $4,101
Arkansas $2,111 $3,317 $3,652
California $2,351 $4,157 $2,351
Colorado $2,194 $3,070 $3,895
Connecticut $2,802 $4,346 $5,517
Delaware $2,320 $3,092 $3,971
Florida $2,762 $3,822 $4,980
Georgia $2,252 $3,368 $3,396
Hawaii $900 $1,221 $900
Idaho $1,563 $2,072 $2,519
Illinois $1,636 $2,473 $2,820
Indiana $1,681 $2,569 $2,883
Iowa $1,331 $1,826 $2,147
Kansas $1,771 $2,577 $3,014
Kentucky $2,560 $3,759 $4,438
Louisiana $3,287 $4,968 $5,387
Maine $1,243 $1,718 $2,536
Maryland $2,011 $2,927 $3,251
Massachusetts $1,613 $2,814 $1,613
Michigan $3,892 $5,931 $9,355
Minnesota $1,602 $2,136 $3,008
Mississippi $1,934 $2,759 $2,777
Missouri $1,822 $2,605 $3,423
Montana $1,853 $2,585 $3,009
Nebraska $1,566 $2,316 $2,516
Nevada $2,583 $3,832 $4,048
New Hampshire $1,797 $2,842 $3,592
New Jersey $1,980 $3,106 $4,065
New Mexico $2,022 $3,008 $3,122
New York $1,873 $2,358 $3,937
North Carolina $1,161 $1,995 $1,422
North Dakota $1,589 $2,415 $2,856
Ohio $1,417 $2,185 $2,240
Oklahoma $2,262 $3,239 $3,647
Oregon $2,058 $2,762 $3,299
Pennsylvania $1,734 $2,546 $2,979
Rhode Island $2,895 $4,246 $4,782
South Carolina $1,966 $2,725 $3,761
South Dakota $1,764 $2,542 $2,933
Tennessee $2,074 $3,054 $4,067
Texas $2,089 $3,018 $3,754
Utah $1,777 $2,490 $3,427
Vermont $1,368 $2,107 $2,227
Virginia $1,289 $1,979 $1,939
Washington $1,706 $2,315 $2,765
West Virginia $1,717 $2,458 $3,080
Wisconsin $1,711 $2,671 $3,047
Wyoming $1,597 $2,236 $2,382