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.
Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.
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The average car insurance cost for Cadillac vehicles is $2,930 per year or $244 per month. Cadillac car insurance costs vary depending on the model you own. Whether you drive a sedan or a powerful SUV, it's important to know how much insurance will cost and how to reduce it.
Below, we look at the average car insurance cost for Cadillac cars by model. We also highlight the most and least expensive models to insure and share tips to help you save money.
How much does Cadillac insurance cost?
On average, Cadillac drivers pay $2,930 per year or $244 per month for full coverage car insurance.
The average cost of insuring Cadillac vehicles is $267, which is more than the national average, though some models cost much less or much more than others.
| Vehicle model | Liability-only (50/100/50) | Full coverage (100/300/100, $500 ded.) |
|---|---|---|
| CT4 | $1,167 | $2,861 |
| CT4-V Blackwing | $1,146 | $3,325 |
| CT5 | $1,173 | $2,954 |
| CT5-V Blackwing | $1,137 | $4,343 |
| Escalade | $1,179 | $3,348 |
| LYRIQ | $1,144 | $2,985 |
| XT4 | $1,116 | $2,388 |
| XT5 | $1,113 | $2,440 |
| XT6 | $1,164 | $2,667 |
Tip
If you're shopping for a new or used Cadillac, compare car insurance rates before you buy so you know your estimated rate ahead of time and aren't surprised by the cost.
Cadillac car insurance cost by model
Here's a closer look at average monthly premiums for popular Cadillac models. Rates are based on a 40-year-old driver with a clean record and full coverage.
| Vehicle model | Monthly premium |
|---|---|
| CT4 | $238 |
| CT4-V Blackwing | $277 |
| CT5 | $246 |
| CT5-V Blackwing | $362 |
| Escalade | $279 |
| LYRIQ | $249 |
| XT4 | $199 |
| XT5 | $203 |
| XT6 | $222 |
Choose Your Vehicle Model
Cadillac Escalade insurance cost
- The average car insurance cost for Escalade is $3,381 per year.
- Trim Level - Escalade ESV Luxury, Escalade ESV Premium Luxury, Escalade ESV Premium Luxury Platinum, Escalade ESV Sport, Escalade ESV Sport Platinum, Escalade ESV V, Escalade Luxury, Escalade Premium Luxury, Escalade Premium Luxury Platinum, Escalade Sport
The average cost to insure Cadillac Escalade is around $3,381 per year for full coverage, which is $282 per month.
For liability-only coverage, the cost is around $980 per year, or about $82 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Cadillac Escalade with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Cadillac models.
| Year and model | Average annual premium |
|---|---|
| 2024 Cadillac Escalade | $3,381 |
| 2023 Cadillac Escalade | $3,312 |
| 2022 Cadillac Escalade | $3,146 |
| 2021 Cadillac Escalade | $3,032 |
| 2020 Cadillac Escalade | $3,011 |
| 2019 Cadillac Escalade | $2,924 |
| 2018 Cadillac Escalade | $2,816 |
| 2017 Cadillac Escalade | $2,647 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $2,496 | $208 |
| State Farm | $2,627 | $219 |
| GEICO | $2,972 | $248 |
| Progressive | $3,081 | $257 |
| Farmers | $4,288 | $357 |
| Allstate | $4,824 | $402 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,975 | 12% more |
| Alaska | $2,897 | 9% more |
| Arizona | $3,032 | 14% more |
| Arkansas | $3,654 | 37% more |
| California | $3,933 | 48% more |
| Colorado | $4,443 | 67% more |
| Connecticut | $3,468 | 30% more |
| Delaware | $3,195 | 20% more |
| Florida | $3,544 | 33% more |
| Georgia | $3,912 | 47% more |
| Hawaii | $2,045 | 23% less |
| Idaho | $2,133 | 20% less |
| Illinois | $3,129 | 17% more |
| Indiana | $2,966 | 11% more |
| Iowa | $3,075 | 15% more |
| Kansas | $3,724 | 40% more |
| Kentucky | $4,379 | 64% more |
| Louisiana | $5,454 | 105% more |
| Maine | $2,525 | 5% less |
| Maryland | $3,160 | 19% more |
| Massachusetts | $3,135 | 18% more |
| Michigan | $3,870 | 45% more |
| Minnesota | $3,913 | 47% more |
| Mississippi | $3,881 | 46% more |
| Missouri | $4,328 | 63% more |
| Montana | $3,793 | 42% more |
| Nebraska | $3,713 | 39% more |
| Nevada | $2,930 | 10% more |
| New Hampshire | $2,585 | 3% less |
| New Jersey | $3,227 | 21% more |
| New Mexico | $3,445 | 29% more |
| New York | $2,475 | 7% less |
| North Carolina | $2,770 | 4% more |
| North Dakota | $3,196 | 20% more |
| Ohio | $2,459 | 8% less |
| Oklahoma | $3,787 | 42% more |
| Oregon | $2,960 | 11% more |
| Pennsylvania | $3,349 | 26% more |
| Rhode Island | $3,814 | 43% more |
| South Carolina | $3,163 | 19% more |
| South Dakota | $4,571 | 72% more |
| Tennessee | $3,616 | 36% more |
| Texas | $4,748 | 78% more |
| Utah | $2,457 | 8% less |
| Vermont | $2,789 | 5% more |
| Virginia | $2,421 | 9% less |
| Washington | $2,774 | 4% more |
| Washington, D.C. | $3,882 | 46% more |
| West Virginia | $3,144 | 18% more |
| Wisconsin | $2,688 | 1% more |
| Wyoming | $3,932 | 48% more |
Cadillac XT4 insurance cost
- The average car insurance cost for XT4 is $2,406 per year.
- Trim Level - XT4 Luxury, XT4 Premium Luxury, XT4 Sport
The average cost to insure Cadillac XT4 is around $2,406 per year for full coverage, which is $200 per month.
For liability-only coverage, the cost is around $925 per year, or about $77 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Cadillac XT4 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Cadillac models.
| Year and model | Average annual premium |
|---|---|
| 2024 Cadillac XT4 | $2,406 |
| 2023 Cadillac XT4 | $2,358 |
| 2022 Cadillac XT4 | $2,335 |
| 2021 Cadillac XT4 | $2,264 |
| 2020 Cadillac XT4 | $2,228 |
| 2019 Cadillac XT4 | $2,185 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,771 | $148 |
| State Farm | $1,795 | $150 |
| GEICO | $2,043 | $170 |
| Progressive | $2,465 | $205 |
| Farmers | $3,146 | $262 |
| Allstate | $3,213 | $268 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,331 | 12% less |
| Alaska | $2,215 | 17% less |
| Arizona | $2,302 | 14% less |
| Arkansas | $2,587 | 3% less |
| California | $2,625 | 1% less |
| Colorado | $3,031 | 14% more |
| Connecticut | $2,425 | 9% less |
| Delaware | $2,425 | 9% less |
| Florida | $2,960 | 11% more |
| Georgia | $2,678 | 1% more |
| Hawaii | $1,497 | 44% less |
| Idaho | $1,553 | 42% less |
| Illinois | $2,296 | 14% less |
| Indiana | $2,193 | 18% less |
| Iowa | $1,965 | 26% less |
| Kansas | $2,442 | 8% less |
| Kentucky | $3,093 | 16% more |
| Louisiana | $4,096 | 54% more |
| Maine | $1,693 | 36% less |
| Maryland | $2,198 | 17% less |
| Massachusetts | $2,149 | 19% less |
| Michigan | $2,982 | 12% more |
| Minnesota | $2,531 | 5% less |
| Mississippi | $2,806 | 5% more |
| Missouri | $2,675 | Equal |
| Montana | $2,610 | 2% less |
| Nebraska | $2,517 | 5% less |
| Nevada | $2,313 | 13% less |
| New Hampshire | $1,776 | 33% less |
| New Jersey | $2,404 | 10% less |
| New Mexico | $2,487 | 7% less |
| New York | $1,765 | 34% less |
| North Carolina | $1,779 | 33% less |
| North Dakota | $2,186 | 18% less |
| Ohio | $1,825 | 31% less |
| Oklahoma | $2,564 | 4% less |
| Oregon | $2,322 | 13% less |
| Pennsylvania | $2,530 | 5% less |
| Rhode Island | $2,846 | 7% more |
| South Carolina | $2,260 | 15% less |
| South Dakota | $2,842 | 7% more |
| Tennessee | $2,603 | 2% less |
| Texas | $3,479 | 31% more |
| Utah | $1,971 | 26% less |
| Vermont | $1,901 | 29% less |
| Virginia | $1,794 | 33% less |
| Washington | $1,873 | 30% less |
| Washington, D.C. | $2,802 | 5% more |
| West Virginia | $2,259 | 15% less |
| Wisconsin | $1,857 | 30% less |
| Wyoming | $2,500 | 6% less |
Cadillac XT5 insurance cost
- The average car insurance cost for XT5 is $2,448 per year.
- Trim Level - XT5 Luxury, XT5 Premium Luxury, XT5 Sport
The average cost to insure Cadillac XT5 is around $2,448 per year for full coverage, which is $204 per month.
For liability-only coverage, the cost is around $909 per year, or about $76 per month.
The premiums shown below are based on our sample driver profile — a 40-year-old male driver driving Cadillac XT5 with full coverage. Auto insurance costs can vary significantly based on factors like age, location, driving history and insurance company.
Read on to learn more about the cost of insurance for Cadillac models.
| Year and model | Average annual premium |
|---|---|
| 2024 Cadillac XT5 | $2,448 |
| 2023 Cadillac XT5 | $2,460 |
| 2022 Cadillac XT5 | $2,429 |
| 2021 Cadillac XT5 | $2,346 |
| 2020 Cadillac XT5 | $2,347 |
| 2019 Cadillac XT5 | $2,279 |
| 2018 Cadillac XT5 | $2,194 |
| 2017 Cadillac XT5 | $2,107 |
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,570 | $131 |
| State Farm | $1,857 | $155 |
| GEICO | $2,142 | $178 |
| Progressive | $2,504 | $209 |
| Farmers | $3,131 | $261 |
| Allstate | $3,483 | $290 |
| State | Average annual premium | % Diff from national average |
|---|---|---|
| Alabama | $2,363 | 11% less |
| Alaska | $2,331 | 12% less |
| Arizona | $2,326 | 13% less |
| Arkansas | $2,641 | 1% less |
| California | $2,759 | 4% more |
| Colorado | $3,115 | 17% more |
| Connecticut | $2,495 | 6% less |
| Delaware | $2,412 | 9% less |
| Florida | $2,902 | 9% more |
| Georgia | $2,779 | 4% more |
| Hawaii | $1,493 | 44% less |
| Idaho | $1,593 | 40% less |
| Illinois | $2,354 | 12% less |
| Indiana | $2,224 | 16% less |
| Iowa | $2,019 | 24% less |
| Kansas | $2,511 | 6% less |
| Kentucky | $3,169 | 19% more |
| Louisiana | $4,048 | 52% more |
| Maine | $1,779 | 33% less |
| Maryland | $2,239 | 16% less |
| Massachusetts | $2,254 | 15% less |
| Michigan | $2,986 | 12% more |
| Minnesota | $2,615 | 2% less |
| Mississippi | $2,884 | 8% more |
| Missouri | $2,803 | 5% more |
| Montana | $2,674 | Equal |
| Nebraska | $2,598 | 2% less |
| Nevada | $2,319 | 13% less |
| New Hampshire | $1,860 | 30% less |
| New Jersey | $2,522 | 5% less |
| New Mexico | $2,552 | 4% less |
| New York | $1,836 | 31% less |
| North Carolina | $1,809 | 32% less |
| North Dakota | $2,231 | 16% less |
| Ohio | $1,855 | 30% less |
| Oklahoma | $2,691 | 1% more |
| Oregon | $2,379 | 11% less |
| Pennsylvania | $2,490 | 6% less |
| Rhode Island | $2,801 | 5% more |
| South Carolina | $2,154 | 19% less |
| South Dakota | $2,959 | 11% more |
| Tennessee | $2,617 | 2% less |
| Texas | $3,636 | 37% more |
| Utah | $1,999 | 25% less |
| Vermont | $1,946 | 27% less |
| Virginia | $1,869 | 30% less |
| Washington | $1,915 | 28% less |
| Washington, D.C. | $2,867 | 8% more |
| West Virginia | $2,308 | 13% less |
| Wisconsin | $1,874 | 30% less |
| Wyoming | $2,640 | 1% less |
Cheapest Cadillac models to insure
If you are looking for the most economical Cadillac vehicles to insure, these models have the lowest auto insurance rates:
- XT4 - $2,406
- XT5 - $2,448
- XT6 - $2,687
- CT4 - $2,873
Why are these models cheaper to insure?
These models may be cheaper to insure for a few reasons:
- Strong safety ratings and advanced safety features. Safer vehicles reduce the risk of injuries and accidents.
- Lower repair costs. Vehicles with readily available, affordable parts are cheaper to insure.
- Lower frequency of claims based on historical data. Insurance companies use this information to set lower rates for models with a good track record.
Most expensive Cadillac models to insure
Some Cadillac vehicles have a higher price tag—and that includes insurance. These models tend to have higher horsepower, costlier parts and a greater risk profile.
- CT5-V Blackwing - $4,375
- Escalade - $3,381
- CT4-V Blackwing - $3,318
- LYRIQ - $3,032
Why are these models expensive to insure?
These models may be more expensive to insure because:
- They cost more to repair or replace if damaged or stolen.
- They may have powerful engines, which means a higher risk of speeding and therefore, accidents.
- Thieves target them more often.
- They often have expensive parts and advanced tech that are costly to fix.
What factors affect car insurance rates for Cadillac?
Several factors influence your insurance rate—some related to the car, others to you as the driver.
- Model and trim level: Performance features and size impact pricing.
- Vehicle age: Newer cars often cost more to insure.
- Safety ratings: Vehicles with more safety tech often earn discounts.
- Driver profile: Your age, ZIP code, credit score and driving history play a big role.
- Coverage level: Full coverage costs more than minimum liability, but provides better protection.
How to save on car insurance if you own Cadillac
Car insurance can be a big expense, but there are ways to save money. If you drive a Cadillac, you might be able to lower your costs by making smart choices. Here are some steps to save on insurance for your Cadillac:
- Shop around - Compare quotes from multiple insurers annually
- Increase deductibles - Opt for a higher deductible to lower premiums
- Bundle policies - Combine auto and home or renters insurance
- Ask about discounts - Safe driver, low mileage, good student and more
- Use telematics - Usage-based programs reward good driving habits
Bottom line
Cadillac offers a wide range of vehicles. While insurance costs vary by model, knowing the averages and understanding what affects your rate can help you make smart coverage decisions.
Want the best rate on Cadillac car insurance? Start by comparing quotes today and see how much you could save.
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage