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Prachi is an insurance writer with a master's degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
The average Cadillac car insurance combining all the models analyzed by Insurance.com is $2,194 per year. The rates can vary based on the make and model, trim level, the cost of purchasing repair parts, availability of safety features, and crash-test scores from known authorities like IIHS.
Auto insurance rates are always a mystery, and it's hard to know which amongst the various car insurance companies offer the best rates for your Cadillac model.
Not only is it hard to know which insurance company has the best rates, but it's also difficult to figure out how much your insurance rates might change based on the make and model of your car.
We've done the research for you! In this guide, we compare car insurance rates for Cadillac cars based on their make and model. Plus, we tell you which trim level of Cadillac is the cheapest to insure. The best car insurance rates for the various models talked about in this guide are:
- Cadillac ATS
- Cadillac ATS-V
- Cadillac CT6
- Cadillac CTS
- Cadillac Escalade
- Cadillac XTS
To give a glimpse of the average Cadillac car insurance cost is $2,566 per year for a 40-year-old driver.
Average Cadillac car insurance costs by model
Car insurance rates vary from one insurance company to another based on a range of factors like driving record, credit history etc.
For Cadillac car insurance, the rates can vary based on the make and model, trim level, the cost of purchasing repair parts, availability of safety features, and crash-test scores from known authorities like IIHS (Insurance Institute of Highway Safety) and NHTSA (National Highway Traffic Safety Administration).
As per the rate analysis conducted by Insurance.com, the cheapest car insurance in 2023 is for Cadillac XT4 at $2,060 per year for drivers age 40. While the most expensive car to insure in 2023 is Cadillac CT5-V at $3,285 per year for drivers age 40.
The table below lists the 2023 Cadillac insurance quotes for other models, drivers age 40.
| Year and model | Average annual premium |
|---|---|
| 2023 Cadillac XT4 | $2,060 |
| 2023 Cadillac XT5 | $2,144 |
| 2023 Cadillac XT6 | $2,256 |
| 2023 Cadillac CT4 | $2,439 |
| 2023 Cadillac CT5 | $2,519 |
| 2023 Cadillac LYRIQ | $2,705 |
| 2023 Cadillac CT4-V | $2,920 |
| 2023 Cadillac Escalade | $2,944 |
| 2023 Cadillac CT5-V | $3,285 |
Choose Your Vehicle Model
Cadillac ATS car insurance
- The average cost of insuring a Cadillac ATS is $2,074 per year
- MSRP range - $25,990 - $32,499
- Trim Levels – Base, Luxury, Premium Luxury, and Premium performance
The Cadillac ATS is a compact luxury sedan, with its model generation starting from 2016 to 2020. At its debut, the ATS was placed as Cadillac’s most significant luxury car segment.
How much does it cost to insure Cadillac ATS?
The Cadillac ATS insurance rate is $2,074 per year or $173 per month. An overall crash test rating of 5/5 from NHTSA, makes the Cadillac ATS not so expensive to insure. As the insurer considers it safer to insure a vehicle with safety features, as these features reduce the possibility of an accident.
Out of all the trim levels available, the cheapest trim to insure is Cadillac ATS Base. To know more about the Cadillac ATS insurance costs for other models, refer to the table below.
| Year and model | Average annual premium |
|---|---|
| 2020 Cadillac ATS | $2,074 |
| 2019 Cadillac ATS | $2,210 |
| 2018 Cadillac ATS | $2,123 |
| 2017 Cadillac ATS | $2,046 |
| 2016 Cadillac ATS | $2,017 |
Cadillac ATS-V car insurance
- The average cost of insuring a Cadillac ATS-V is $2,583 per year
- MSRP range - $39,954 - $46,179
- Trim Levels – Base, Luxury, Premium Luxury, and Premium performance
The sedan version of the Cadillac ATS is converted to a coupe version in the Cadillac ATS-V. Being an enhanced version of Base ATS, the Cadillac ATS-V upgrades the vehicle’s performance with its turbo V6 engine and super adaptable suspension which changes as per the road surfaces in milliseconds.
The average Cadillac ATS insurance cost is $2,583 per year or $215 per month for their car insurance coverage. The car insurance costs for ATS-V are higher than those for Cadillac ATS. There is a difference of $509 between the rates of ATS-V and ATS. The reason is enhanced features like excellent steering and handling capabilities, and a Turbo engine generating power for quick acceleration.
The table below shows the average annual rates of other Cadillac ATS-V models
| Year and model | Average annual premium |
|---|---|
| 2020 Cadillac ATS-V | $2,583 |
| 2019 Cadillac ATS-V | $2,764 |
| 2018 Cadillac ATS-V | $2,635 |
| 2017 Cadillac ATS-V | $2,567 |
| 2016 Cadillac ATS-V | $2,493 |
Cadillac CT-6 car insurance
- The average cost of insuring a Cadillac CT-6 is $2,462 per year
- MSRP range - $31,000 - $56,000
- Trim Levels – Base, Premium Luxury, and Platinum
The Cadillac CT6 has been on the market since 2016. The vehicle is recognized for its sporty performance, premium interior, and efficient fuel economy.
If you are thinking about how much it is to insure a Cadillac CT-6, we have you covered. The average rate of insurance for Cadillac CT-6 is $2,462 per year or $205 per month. Because of its sporty performance, it is a risk in the eyes of insurers. Making the Cadillac CT6 is more expensive to insure. Also, premium costs rise due to an upmarket interior and price tag.
The cheapest trim to insure is the Cadillac Luxury trim, amongst the list of all other available trim levels. The list of average annual rates of other Cadillac CT6 models is mentioned in the table below.
| Year and model | Average annual premium |
|---|---|
| 2021 Cadillac CT6 | $2,462 |
| 2020 Cadillac CT6 | $2,526 |
| 2019 Cadillac CT6 | $2,468 |
| 2018 Cadillac CT6 | $2,386 |
| 2017 Cadillac CT6 | $2,354 |
| 2016 Cadillac CT6 | $2,272 |
Compare Cadillac CT-6 car insurance rates by state
Cadillac CTS car insurance
- The average cost of insuring a Cadillac CTS is $2,103 per year
- MSRP range - $30,999 - $37,590
- Trim Levels – Base, Luxury, Premium Luxury, V-Sport, V-Sport Premium Luxury
Cadillac CTS is a midsize luxury car well known for its large interiors, powerful engine, and superior fuel economy.
For Cadillac CTS, the average insurance premium is $2,103 per year or $175 per month. It comes in five different trim levels. Out of these five, the cheapest to insure is Base Cadillac CTS trim. The NHSTA has given an overall rating of 5/5 for the crash tests conducted on the four-door Base AWD model.
To know more about the insurance premiums of the Cadillac CTS, refer to the table below.
| Year and model | Average annual premium |
|---|---|
| 2020 Cadillac CTS | $2,103 |
| 2019 Cadillac CTS | $2,266 |
| 2018 Cadillac CTS | $2,160 |
| 2017 Cadillac CTS | $2,141 |
| 2016 Cadillac CTS | $2,157 |
Cadillac Escalade car insurance
- The average cost of insuring a Cadillac Escalade is $2,944 per year
- Starting MSRP - $76,295
- Trim Levels – Luxury, Premium Luxury, Sport, Premium Luxury Platinum, Sport Platinum
The Cadillac Escalade has been on the market since 1999 and is a full-size luxury SUV. The Escalade was Cadillac's first SUV model to be released. Because of its large size, luxurious interior, and powerful engine, the automobile is recognized for its ability to carry lots of people or cargo.
According to Insurance.com rate analysis, the average annual rater for Callidac Escalade is $2,944 per year or $245 per month. Out of the five available trims, the cheapest to insure is the Cadillac Escalade Luxury trim. The NHTSA has given an overall crash test rating of 4/5, making it a safe car to drive.
The table below depicts the average rate of insurance for other Cadillac Escalade models
| Year and model | Average annual premium |
|---|---|
| 2023 Cadillac Escalade | $2,944 |
| 2021 Cadillac Escalade | $2,255 |
| 2020 Cadillac Escalade | $2,260 |
| 2019 Cadillac Escalade | $2,356 |
| 2018 Cadillac Escalade | $2,285 |
| 2017 Cadillac Escalade | $2,248 |
| 2016 Cadillac Escalade | $2,191 |
Compare Cadillac Escalade car insurance rates by state
Cadillac XTS car insurance
- The average cost of insuring a Cadillac XTS is $2,033 per year
- MSRP range - $28,990 - $34,990
- Trim Levels – Luxury, Platinum, Platinum V sport, Premium luxury
The Cadillac XTS is recognized for its powerful engine and spacious interior. It has been on the market since 2013, and is a large luxury sedan. However, the insurance rates for Cadillac XTS can be higher than other Cadillac cars. To purchase the best deal in the insurance, it is best to compare quotes from various car insurance carriers before making the purchase.
The cost of insuring a Cadillac XTS is $2,033 per year or $169 per month. The cheapest trim level to insure is the Cadillac XTS Base trim. When it comes to the safety ratings, the IIHS has rated Cadillac XTS good for the side tests, roof strength tests, and head restraints and seat tests. The table below lists the car insurance quotes for other models of Cadillac XTS.
| Year and model | Average annual premium |
|---|---|
| 2020 Cadillac XTS | $2,033 |
| 2019 Cadillac XTS | $2,193 |
| 2018 Cadillac XTS | $2,118 |
| 2017 Cadillac XTS | $2,028 |
| 2016 Cadillac XTS | $2,040 |