Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 2020

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Key takeaways:

  • Full coverage costs around $1,510 a year or $126 each month
  • A liability-only policy costs around $605 a year or $50 each month
  • Highest rates are for teenage drivers at around $5,519 a year or $460 each month
  • Good drivers can save as much as $623 a year by earning policy discounts
  • Cadillac SRX insurance costs around $9 less per year than the average vehicle

Cadillac SRX insurance rates are $126 per month for full coverage and $50 per month for liability-only coverage. Teen drivers could pay up to $460 per month. Continue reading to learn how you save $623 per year on Cadillac SRX insurance rates.

You can start comparing quotes for Cadillac SRX auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Cadillac SRX Insurance Cost

The average Cadillac SRX auto insurance costs are $1,510 a year or $126 a month.

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Are Cadillac SRXs Expensive to Insure?

The chart below details how Cadillac SRX insurance rates compare to other crossovers like the Audi SQ5, Lexus RX 450h, and Lincoln MKC.

Vehicle Comprehensive Collision Liability Total
Audi SQ5 $394 $774 $264 $1,542
Lexus RX 450h $390 $718 $420 $1,708
Lincoln MKC $306 $596 $398 $1,458
MINI Clubman $320 $506 $398 $1,382
Cadillac XT4 $362 $656 $316 $1,470
Kia Sportage $280 $470 $372 $1,280
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However, there are a few things you can do to find the cheapest Cadillac insurance rates online.

What Impacts the Cost of Cadillac SRX Insurance?

Even though the average annual rate for the Cadillac SRX is $1,510, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Cadillac SRX.

Age of the Vehicle

The average Cadillac SRX auto insurance rates are higher for newer models. For example, auto insurance for a 2016 Cadillac SRX costs $1,510, while 2010 Cadillac SRX insurance costs are $1,256, a difference of $254.

Model Year Comprehensive Collision Liability Total
2016 Cadillac SRX $310 $612 $430 $1,510
2015 Cadillac SRX $292 $592 $442 $1,484
2014 Cadillac SRX $282 $548 $452 $1,440
2013 Cadillac SRX $270 $516 $456 $1,400
2012 Cadillac SRX $258 $464 $460 $1,340
2011 Cadillac SRX $242 $426 $460 $1,286
2010 Cadillac SRX $234 $400 $464 $1,256
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Driver Age

Driver age can have a significant effect on Cadillac SRX auto insurance rates. As an example, a 30-year-old driver pays around $66 more each year for their Cadillac SRX auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Cadillac SRX insurance rates. For example, drivers in New York may pay $921 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Cadillac SRX auto insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac SRX auto insurance with violations on their driving record.

Cadillac SRX Safety Ratings

Your Cadillac SRX auto insurance rates are influenced by the Cadillac SRX’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Cadillac SRX Crash Test Ratings

Poor Cadillac SRX crash test ratings could mean higher Cadillac SRX auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2016 Cadillac SRX SUV FWD 5 stars 4 stars 5 stars 4 stars
2016 Cadillac SRX SUV AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Cadillac SRX Safety Features

The more safety features you have on your Cadillac SRX, the more likely it is that you can earn a discount. The Cadillac SRX’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Cadillac SRX Insurance Loss Probability

The lower percentage means lower Cadillac SRX auto insurance costs; higher percentages mean higher Cadillac SRX auto insurance costs. Compare the following Cadillac SRX auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage Category Loss Rate
Collision 3%
Property Damage 1%
Comprehensive -16%
Personal Injury -20%
Medical Payment -18%
Bodily Injury -9%
Source: Insurance Institute for Highway Safety
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Cadillac SRX Finance and Insurance Cost

If you are financing a Cadillac SRX, most lenders will require your carry higher Cadillac SRX coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac SRX auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Cadillac SRX Insurance

There are many ways that you can save on Cadillac SRX auto insurance. Below are five actions you can take to find cheap Cadillac SRX auto insurance rates.

  • Purchase a Roadside Assistance Program for Your Cadillac SRX
  • Audit Your Cadillac SRX Driving When You Move to a New Location or Start a New Job
  • Consider Renting a Car Instead of Buying a Second Cadillac SRX
  • Compare Apples to Apples When Comparing Cadillac SRX Insurance Rates and Policies
  • Take a Defensive Driving Course or Any Driver’s Education Course

Top Cadillac SRX Insurance Companies

The best auto insurance companies for Cadillac SRX auto insurance rates will offer competitive rates, discounts, and account for the Cadillac SRX’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Cadillac SRX Insurance Quotes Online

You can start comparing quotes for Cadillac SRX auto insurance rates from some of the best auto insurance companies by using our free online tool now.