Cadillac Insurance Rates

Cadillac Insurance Rates

The average cost of car insurance for Cadillac models is about $3,062 per year.

This is $167 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
Estimated Cadillac CT4 Insurance Rates $2,848 $4,182 $4,892
Estimated Cadillac CT5 Insurance Rates $2,886 $4,237 $4,957
Estimated Cadillac Escalade Insurance Rates $3,798 $5,577 $6,524
Estimated Cadillac Escalade ESV Insurance Rates $3,186 $4,679 $5,474
Estimated Cadillac XT4 Insurance Rates $2,525 $3,708 $4,338
Estimated Cadillac XT5 Insurance Rates $2,520 $3,701 $4,329

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.

Are car insurance rates based on credit score?

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 Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $10,370 $15,228 $17,815
18 $9,664 $14,191 $16,602
19 $8,541 $12,542 $14,672
20 $7,447 $10,935 $12,793
21 $6,245 $9,170 $10,728
22 $6,083 $8,931 $10,449
23 $5,322 $7,815 $9,142
24 $5,056 $7,424 $8,685
25 $4,363 $6,407 $7,495
30 $3,399 $4,991 $5,839
35 $3,183 $4,674 $5,468
40 $3,062 $4,496 $5,259
45 $2,979 $4,375 $5,118
55 $2,732 $4,012 $4,694
65 $2,850 $4,185 $4,896
75 $3,597 $5,282 $6,179

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 Rates by State*

State Good Driver Recent Accident Poor Credit
Georgia $3,548 $5,305 $5,349
Wyoming $2,517 $3,523 $3,752
Wisconsin $2,696 $4,208 $4,800
West Virginia $2,704 $3,872 $4,852
Washington $2,688 $3,647 $4,355
Virginia $2,030 $3,117 $3,055
Vermont $2,155 $3,319 $3,508
Utah $2,799 $3,923 $5,398
Texas $3,291 $4,754 $5,914
Tennessee $3,268 $4,811 $6,406
South Dakota $2,779 $4,004 $4,620
South Carolina $3,097 $4,292 $5,924
Rhode Island $4,560 $6,689 $7,533
Pennsylvania $2,731 $4,010 $4,692
Oregon $3,243 $4,351 $5,197
Oklahoma $3,564 $5,102 $5,745
Ohio $2,232 $3,442 $3,529
North Dakota $2,503 $3,804 $4,498
North Carolina $1,829 $3,142 $2,241
New York $2,950 $3,715 $6,201
New Mexico $3,185 $4,738 $4,918
New Jersey $3,119 $4,893 $6,403
New Hampshire $2,831 $4,477 $5,659
Nevada $4,070 $6,036 $6,376
Nebraska $2,467 $3,649 $3,964
Montana $2,919 $4,073 $4,740
Missouri $2,871 $4,104 $5,392
Mississippi $3,047 $4,346 $4,374
Minnesota $2,524 $3,365 $4,739
Michigan $6,131 $9,343 $14,737
Massachusetts $2,541 $4,432 $2,541
Maryland $3,168 $4,611 $5,122
Maine $1,958 $2,706 $3,995
Louisiana $5,178 $7,826 $8,486
Kentucky $4,033 $5,920 $6,992
Kansas $2,790 $4,059 $4,748
Iowa $2,097 $2,876 $3,382
Indiana $2,647 $4,048 $4,542
Illinois $2,577 $3,895 $4,441
Idaho $2,462 $3,264 $3,968
Hawaii $1,417 $1,924 $1,417
Florida $4,352 $6,020 $7,845
Delaware $3,655 $4,871 $6,256
Connecticut $4,415 $6,847 $8,691
Colorado $3,455 $4,836 $6,136
California $3,703 $6,548 $3,703
Arkansas $3,326 $5,225 $5,753
Arizona $3,033 $4,385 $6,461
Alaska $2,683 $3,720 $3,616
Alabama $3,244 $4,711 $5,997

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