Cadillac Insurance Rates

The average cost of car insurance for a Cadillac model is about $1,822 per year.

This is $35 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 $1,757 $2,581 $3,019
Cadillac CT5 Insurance Cost $1,780 $2,614 $3,058
Cadillac CT6 Insurance Cost $1,996 $2,932 $3,430
Cadillac Escalade Insurance Cost $1,978 $2,904 $3,397
Cadillac Escalade ESV Insurance Cost $1,885 $2,768 $3,238
Cadillac XT4 Insurance Cost $1,682 $2,470 $2,889
Cadillac XT5 Insurance Cost $1,678 $2,464 $2,882

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 $6,173 $9,064 $10,604
18 $5,752 $8,447 $9,882
19 $5,084 $7,465 $8,733
20 $4,433 $6,509 $7,615
21 $3,717 $5,459 $6,386
22 $3,620 $5,316 $6,219
23 $3,167 $4,652 $5,442
24 $3,009 $4,419 $5,170
25 $2,597 $3,813 $4,461
30 $2,023 $2,971 $3,475
35 $1,895 $2,782 $3,255
40 $1,822 $2,676 $3,130
45 $1,773 $2,604 $3,046
55 $1,626 $2,388 $2,794
65 $1,696 $2,491 $2,914
75 $2,141 $3,144 $3,678

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 $1,931 $2,804 $3,570
Alaska $1,597 $2,214 $2,152
Arizona $1,805 $2,610 $3,846
Arkansas $1,980 $3,110 $3,425
California $2,204 $3,898 $2,204
Colorado $2,057 $2,878 $3,652
Connecticut $2,628 $4,075 $5,173
Delaware $2,175 $2,899 $3,724
Florida $2,590 $3,584 $4,669
Georgia $2,111 $3,158 $3,184
Hawaii $844 $1,145 $844
Idaho $1,465 $1,943 $2,362
Illinois $1,534 $2,319 $2,644
Indiana $1,576 $2,409 $2,703
Iowa $1,248 $1,712 $2,013
Kansas $1,661 $2,416 $2,826
Kentucky $2,401 $3,524 $4,161
Louisiana $3,082 $4,658 $5,051
Maine $1,165 $1,611 $2,378
Maryland $1,886 $2,745 $3,049
Massachusetts $1,512 $2,638 $1,512
Michigan $3,649 $5,561 $8,772
Minnesota $1,502 $2,003 $2,821
Mississippi $1,814 $2,587 $2,604
Missouri $1,709 $2,443 $3,210
Montana $1,737 $2,424 $2,822
Nebraska $1,469 $2,172 $2,360
Nevada $2,423 $3,593 $3,796
New Hampshire $1,685 $2,664 $3,368
New Jersey $1,856 $2,913 $3,812
New Mexico $1,896 $2,820 $2,927
New York $1,756 $2,211 $3,691
North Carolina $1,089 $1,870 $1,334
North Dakota $1,490 $2,264 $2,678
Ohio $1,328 $2,049 $2,101
Oklahoma $2,121 $3,037 $3,420
Oregon $1,930 $2,590 $3,093
Pennsylvania $1,626 $2,387 $2,793
Rhode Island $2,715 $3,982 $4,484
South Carolina $1,843 $2,555 $3,526
South Dakota $1,654 $2,383 $2,750
Tennessee $1,945 $2,863 $3,813
Texas $1,959 $2,830 $3,520
Utah $1,666 $2,335 $3,213
Vermont $1,283 $1,975 $2,088
Virginia $1,208 $1,855 $1,818
Washington $1,600 $2,171 $2,592
West Virginia $1,610 $2,305 $2,888
Wisconsin $1,605 $2,505 $2,857
Wyoming $1,498 $2,097 $2,233