Cadillac Insurance Rates

The average cost of car insurance for a Cadillac model is about $2,353 per year.

This is $128 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

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Insurance Cost per Cadillac Model

Model Good Driver Recent Accident Poor Credit
Cadillac CT4 Insurance Cost $2,186 $3,209 $3,754
Cadillac CT5 Insurance Cost $2,215 $3,252 $3,804
Cadillac CT6 Insurance Cost $2,844 $4,176 $4,885
Cadillac Escalade Insurance Cost $2,944 $4,324 $5,058
Cadillac Escalade ESV Insurance Cost $2,446 $3,591 $4,201
Cadillac XT4 Insurance Cost $1,919 $2,818 $3,296
Cadillac XT5 Insurance Cost $1,915 $2,812 $3,289

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 $7,968 $11,701 $13,689
18 $7,426 $10,905 $12,757
19 $6,563 $9,637 $11,273
20 $5,722 $8,403 $9,830
21 $4,799 $7,046 $8,244
22 $4,673 $6,863 $8,028
23 $4,089 $6,005 $7,025
24 $3,885 $5,705 $6,673
25 $3,353 $4,923 $5,759
30 $2,612 $3,835 $4,486
35 $2,446 $3,592 $4,202
40 $2,353 $3,455 $4,041
45 $2,289 $3,361 $3,932
55 $2,099 $3,083 $3,607
65 $2,190 $3,216 $3,762
75 $2,764 $4,059 $4,748

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 $2,493 $3,620 $4,608
Alaska $2,062 $2,858 $2,778
Arizona $2,331 $3,370 $4,964
Arkansas $2,555 $4,015 $4,421
California $2,845 $5,031 $2,845
Colorado $2,655 $3,716 $4,714
Connecticut $3,392 $5,261 $6,678
Delaware $2,808 $3,743 $4,807
Florida $3,344 $4,626 $6,028
Hawaii $1,089 $1,478 $1,089
Idaho $1,892 $2,508 $3,049
Illinois $1,980 $2,993 $3,413
Indiana $2,034 $3,110 $3,490
Iowa $1,611 $2,210 $2,598
Kansas $2,144 $3,119 $3,648
Kentucky $3,099 $4,549 $5,372
Louisiana $3,978 $6,014 $6,520
Maine $1,504 $2,080 $3,070
Maryland $2,435 $3,543 $3,935
Massachusetts $1,952 $3,406 $1,952
Michigan $4,711 $7,179 $11,324
Minnesota $1,939 $2,586 $3,641
Mississippi $2,341 $3,339 $3,361
Missouri $2,206 $3,154 $4,143
Montana $2,243 $3,129 $3,643
Nebraska $1,896 $2,804 $3,046
Nevada $3,127 $4,638 $4,900
New Hampshire $2,175 $3,440 $4,348
New Jersey $2,397 $3,760 $4,920
New Mexico $2,447 $3,641 $3,779
New York $2,267 $2,855 $4,765
North Carolina $1,405 $2,414 $1,722
North Dakota $1,923 $2,923 $3,456
Ohio $1,715 $2,645 $2,712
Oklahoma $2,738 $3,921 $4,415
Oregon $2,492 $3,343 $3,993
Pennsylvania $2,099 $3,081 $3,606
Rhode Island $3,504 $5,140 $5,788
South Carolina $2,380 $3,298 $4,552
South Dakota $2,135 $3,076 $3,550
Tennessee $2,511 $3,696 $4,923
Texas $2,529 $3,653 $4,544
Utah $2,151 $3,014 $4,148
Vermont $1,656 $2,550 $2,695
Virginia $1,560 $2,395 $2,348
Washington $2,065 $2,803 $3,347
West Virginia $2,078 $2,975 $3,728
Wisconsin $2,071 $3,233 $3,688
Wyoming $1,934 $2,707 $2,883
Georgia $2,726 $4,076 $4,110