Cadillac Insurance Rates

The average cost of car insurance for a Cadillac model is about $2,165 per year.

This is $98 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. 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

These Cadillac insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Cadillac Model

Model Good Driver Recent Accident Poor Credit
Cadillac CT4 Insurance Cost $2,144 $3,193 $3,775
Cadillac CT5 Insurance Cost $2,172 $3,235 $3,824
Cadillac CT6 Insurance Cost $2,435 $3,626 $4,287
Cadillac Escalade Insurance Cost $2,412 $3,592 $4,246
Cadillac Escalade ESV Insurance Cost $2,298 $3,423 $4,046
Cadillac XT4 Insurance Cost $1,848 $2,753 $3,254
Cadillac XT5 Insurance Cost $1,844 $2,747 $3,247

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 $7,332 $10,921 $12,910
18 $6,833 $10,178 $12,031
19 $6,039 $8,994 $10,632
20 $5,265 $7,843 $9,271
21 $4,416 $6,577 $7,774
22 $4,300 $6,405 $7,572
23 $3,763 $5,604 $6,625
24 $3,574 $5,324 $6,294
25 $3,085 $4,595 $5,431
30 $2,403 $3,579 $4,231
35 $2,251 $3,352 $3,963
40 $2,165 $3,224 $3,811
45 $2,106 $3,137 $3,709
55 $1,932 $2,877 $3,401
65 $2,015 $3,002 $3,548
75 $2,543 $3,788 $4,478

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 $2,294 $3,213 $4,021
Alaska $1,897 $2,763 $2,895
Arizona $2,145 $3,327 $4,743
Arkansas $2,351 $3,561 $3,984
California $2,618 $4,579 $2,618
Colorado $2,443 $3,382 $4,219
Connecticut $3,121 $4,826 $6,181
Delaware $2,584 $3,558 $4,723
Florida $3,077 $4,179 $5,448
Georgia $2,508 $3,866 $3,966
Hawaii $1,002 $1,383 $1,002
Idaho $1,741 $2,343 $2,917
Illinois $1,822 $2,693 $3,123
Indiana $1,872 $2,925 $3,414
Iowa $1,483 $2,224 $2,592
Kansas $1,973 $2,904 $3,440
Kentucky $2,851 $4,289 $5,045
Louisiana $3,661 $5,595 $6,023
Maine $1,384 $1,857 $2,709
Maryland $2,240 $3,284 $3,878
Massachusetts $1,796 $3,038 $1,796
Michigan $4,335 $6,517 $10,020
Minnesota $1,784 $2,397 $3,548
Mississippi $2,154 $3,254 $3,437
Missouri $2,030 $2,796 $3,615
Montana $2,064 $3,229 $3,561
Nebraska $1,744 $2,470 $2,809
Nevada $2,877 $4,343 $4,765
New Hampshire $2,001 $3,226 $4,108
New Jersey $2,205 $3,477 $4,485
New Mexico $2,252 $3,241 $3,639
New York $2,086 $2,716 $4,385
North Carolina $1,293 $2,087 $1,609
North Dakota $1,769 $2,724 $3,458
Ohio $1,578 $2,580 $2,673
Oklahoma $2,519 $3,783 $4,291
Oregon $2,293 $3,463 $3,973
Pennsylvania $1,931 $2,920 $3,351
Rhode Island $3,224 $4,948 $5,658
South Carolina $2,190 $3,169 $4,522
South Dakota $1,965 $2,703 $3,243
Tennessee $2,310 $3,456 $4,360
Texas $2,327 $3,425 $4,299
Utah $1,979 $2,862 $3,947
Vermont $1,524 $2,436 $2,663
Virginia $1,435 $2,161 $2,296
Washington $1,900 $2,855 $3,366
West Virginia $1,912 $2,784 $3,438
Wisconsin $1,906 $2,782 $3,379
Wyoming $1,779 $2,614 $2,923