Cheap Cadillac Auto Insurance (2024)
Cadillac auto insurance averages $164 monthly, though rates vary by model. For example, while Cadillac XT5 insurance costs $162 monthly, you'll pay $141 for a Cadillac ATS. So, compare Cadillac insurance quotes from various companies to find the best Cadillac auto insurance for you and your budget.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
UPDATED: Apr 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Cadillac is one of the nation’s oldest luxury brands and is well-known for its low maintenance costs
- Although Cadillacs are a luxury brand, they come with lower car insurance rates than many similar brands
- The average Cadillac owner pays about $164 a month for full coverage, a little higher than the national average of $119
On average, you’ll pay $164 monthly for Cadillac full coverage auto insurance, though there are still ways to lower auto insurance costs. Cadillac drivers have plenty of options to save on their insurance, from finding discounts to enrolling in a telematics program.
Cadillac is a well-known luxury brand that promises a smooth ride, a comfortable interior, and superior reliability. Unlike many other luxury brands, Cadillacs are relatively affordable — several models are available for under $40,000.
Since the priciest model starts at just under $80,000, Cadillac car insurance costs slightly less than other luxury brands.
- Cadillac Auto Insurance
Read on to learn about Cadillac luxury car insurance, how you can keep your Cadillac insurance cost low, and find the best auto insurance for luxury cars like Cadillacs. Then, compare Cadillac insurance quotes with as many companies as possible to find the right policy.
Cadillac Auto Insurance Coverage Options
While you can buy several types of car insurance add-ons to customize your Cadillac luxury car insurance policy, there are two primary types of policies: minimum liability insurance and full coverage.
You must meet state minimum auto insurance requirements before you can drive or register your car. While minimum Cadillac insurance coverage is a good choice for people with older cars they own outright, it’s usually unsuitable for new Cadillac owners.
Full coverage auto insurance is better if you’ve recently purchased a new Cadillac. Full coverage costs more, but it gives your Cadillac much better protection.
When you buy full coverage auto insurance, you’ll get the following types of auto insurance coverage:
- Liability: Liability auto insurance covers the property damage and bodily injury of the other party in an at-fault accident. Most states require liability insurance to drive legally.
- Collision: Collision auto insurance helps pay for your car repairs after an at-fault accident. It also covers you if you run into an object, like a mailbox.
- Comprehensive: Comprehensive auto insurance covers damage outside of accidents, including fires, floods, extreme weather, animal contact, vandalism, and theft.
- Personal injury protection/medical payments coverage: Medical payments and personal injury protection insurance cover your health care expenses after an accident.
- Uninsured/underinsured motorist: While most states require a minimum amount of insurance, many areas have high rates of uninsured drivers. Uninsured/underinsured motorist coverage protects you from drivers without coverage.
Most companies offer multiple add-ons you can buy to increase the coverage on your Cadillac. Popular add-ons include rental car reimbursement, gap insurance, and roadside assistance. Be careful about adding too much extra coverage to your policy, though — add-ons quickly increase your Cadillac insurance premiums. Find the cheapest full coverage auto insurance here.
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Cadillac Auto Insurance Cost
Luxury insurance always comes at a higher price than it does for standard vehicles. Cadillac rates are usually on the lower end.
Check the Cadillac insurance premiums below to see how much you might pay for a new Cadillac:
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Cadillac XTS | $33 | $67 | $42 | $157 |
| 2023 Cadillac XT5 | $38 | $72 | $37 | $162 |
| 2023 Cadillac Escalade ESV | $43 | $70 | $42 | $170 |
| 2023 Cadillac Escalade | $46 | $78 | $47 | $190 |
| 2023 Cadillac CTS-V | $39 | $78 | $35 | $167 |
| 2023 Cadillac CTS | $31 | $61 | $42 | $149 |
| 2023 Cadillac CT6 | $37 | $76 | $42 | $170 |
| 2023 Cadillac ATS-V | $39 | $81 | $42 | $178 |
| 2023 Cadillac ATS Coupe | $33 | $67 | $42 | $157 |
| 2023 Cadillac ATS | $28 | $55 | $42 | $141 |
| 2023 Cadillac XT4 | $36 | $66 | $32 | $147 |
The variation you see above mainly exists because of the difference in models.
For example, the Cadillac Escalade is one of the most expensive models to insure because it’s one of Cadillac’s most expensive models. On the other hand, the ATS has one of the lowest Cadillac insurance premiums because it has an affordable price tag.
Factors Affecting Cadillac Auto Insurance Premiums
Whether you’re looking for the best car insurance for used cars or the highest-end luxury vehicles, companies look at the same factors to determine your rates.
While the model of your car plays an important role, it’s not the only thing that affects your car insurance rates. When you need coverage for a Cadillac, the following factors will impact your rates:
- Credit score: How do credit scores affect auto insurance rates? Unless you live in California, Massachusetts, or Hawaii, insurance companies can use credit score when setting rates. The lower your credit score, the higher your rates will be.
- Marital status: Insurance companies charge married people a little less for their insurance than single people since they file fewer claims. Read more about the best auto insurance companies for married couples.
- Age and gender: Insurance companies carefully track who files claims, and they know men and young drivers get in more accidents. While they pay more for insurance, the price gap lessens with age. Compare average auto insurance rates by age and gender for the best Cadillac insurance quotes.
- Location: Auto insurance rates by ZIP code vary, since companies track who files claim by location.
- Driving history: Traffic violations like at-fault accidents, speeding tickets, and DUIs will significantly impact your rates. You may also need high-risk auto insurance. Read more about how to find affordable auto insurance for drivers with accidents.
- Model: The Lexus model you choose also impacts your auto insurance rates. For example, Cadillac XT5 insurance cost averages $162/mo, while a Cadillac Escalade auto insurance costs $190/mo.
Companies will look at all these factors to craft your Cadillac insurance premiums, but the amount of coverage you want to buy also plays an important role. You should also compare Cadillac insurance quotes and policies since companies use unique formulas when determining rates.
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For example, some companies are more forgiving than others for things like low credit scores or at-fault accidents. Comparing auto insurance quotes online is the only way to determine which company is best for you.
Cadillac Auto Insurance Cost Comparison Table
This table directly compares auto insurance costs between the Cadillac Escalade and BMW X5, offering a clear overview for those seeking insights into insurance expenses for these two luxury vehicles in the current year.
| Cadillac Vehicle Comparison |
|---|
| Cadillac Escalade vs. BMW X5 Auto Insurance (#current_year) |
How to Save on Cadillac Auto Insurance
Even though Cadillacs have cheaper car insurance rates than many other luxury brands, coverage can still be expensive. If you want to get your insurance rates even lower, you can use the following tips:
- Increase your deductible. Your auto insurance deductible is the amount you must pay before your insurance kicks in. If you choose a higher deductible, you’ll pay less.
- Try a telematics program. Most companies offer usage-based car insurance and telematic systems to help safe, low-mileage drivers save. If you regularly practice safe driving habits, you can save up to 40%.
- Look for discounts. Insurance companies offer discounts to help customers save. Availability varies by company, but common auto insurance discounts include safe driving, policy bundling, and paying for your insurance in full.
- Maintain a clean record. Keeping your driving record clean of incidents will keep your rates as low as possible. If you have incidents on your record, you should avoid adding additional infractions to avoid higher rates. Read more about how auto insurance companies check driving records.
You can always find discounts to lower your Cadillac luxury car insurance premiums. While these tips are solid options to get your rates as low as possible, the best way to get the lowest priced policy is to compare Cadillac insurance quotes.
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How to Find the Best Cadillac Auto Insurance
Luxury car insurance rates are always high, but Cadillac’s reputation for reliability helps keep its prices low. With an average price of $164 per month, finding affordable Cadillac luxury car insurance is easy. However, some Cadillac models are more expensive than others.
You can use the tips above to keep your insurance rates low, but to find the best Cadillac auto insurance, you should compare Cadillac insurance quotes with as many companies as possible.
Frequently Asked Questions
Are Cadillacs expensive to insure?
Car insurance is always more expensive for luxury cars than for standard vehicles. While Cadillacs are considered luxury vehicles, they tend to have low car insurance rates. The average driver pays about $164 a month for full coverage.
Is car insurance higher on a Cadillac?
Car insurance on a Cadillac is higher than you would pay for standard vehicles but less than you might see for other luxury cars. However, the amount you pay for auto insurance is determined by several factors.
Are Cadillac XT5s expensive to insure?
On average, Cadillac XT5 insurance costs $162 monthly for full coverage, making it one of the brand’s more affordable models to insure.
How much is insurance for a Cadillac CTS?
On average, Cadillac CTS auto insurance costs $149 monthly, lower than the overall Cadillac average. However, you can still find the best Cadillac auto insurance rates by comparing quotes from various companies.
What types of coverage should I consider for my Cadillac?
When insuring your Cadillac, it’s important to consider the mandatory coverages, such as liability insurance that includes bodily injury and property damage coverage. Additionally, comprehensive coverage protects against non-collision incidents like theft or vandalism, while collision coverage covers damages resulting from accidents. Other optional coverages to consider include uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance.
What factors can affect the cost of Cadillac auto insurance?
Several factors can influence the cost of Cadillac auto insurance. These include the model and year of the Cadillac, the driver’s age, location, driving record, credit history, and the desired coverage limits and deductibles. Insurance providers also consider the vehicle’s safety features, repair costs, and theft rates associated with Cadillac models.
Can I save money on Cadillac auto insurance?
Yes, there are several ways to potentially save money on Cadillac auto insurance. You can explore discounts offered by insurance companies, such as safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features installed in your Cadillac. Additionally, maintaining a clean driving record, opting for a higher deductible, and bundling your Cadillac insurance with other policies can help lower your premiums.
How can I find the best insurance rates for my Cadillac?
To find the best insurance rates for your Cadillac, it’s recommended to compare quotes from multiple insurance providers. You can contact insurance companies directly, use online comparison tools, or work with an independent insurance agent who can help you find the most competitive rates based on your specific needs and location.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joe...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.