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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 for drivers age 30 is $2,287 per year and for drivers age 40, the car insurance rates are $2,194 per year.

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 2021 is for Cadillac XT4 at $1,785 per year for drivers age 30 and $1,648 per year for drivers age 40. While the most expensive car to insure in 2021 is Cadillac CT6-V at $3,131 per year for drivers age 30 and $3,007 per year for drivers age 40.

The table below lists down the 2021 Cadillac insurance quotes for other models, for drivers age 30 and drivers age 40 respectively.

Make and ModelAverage annual rates for drivers age 30Average annual rates for drivers age 40
2021 Cadillac CT4$2,255$2,166
2021 Cadillac CT5$2,232$2,144
2021 Cadillac CT5-V$2,754$2,639
2021 Cadillac CT6$2,389$2,288
2021 Cadillac CT6-V$3,131$3,007
2021 Cadillac Escalade$2,376$2,271
2021 Cadillac XT4$1,721$1,648
2021 Cadillac XT5$1,785$1,713
2021 Cadillac XT6$1,943$1,873

Choose Your Vehicle Model

Cadillac ATS car insurance

Cadillac ATS
ATS Highlights
  • The average cost of insuring a Cadillac ATS is $2,001 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 2013 to 2019. 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 $2,001 per year or $167 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.

Make and ModelAverage annual rates
2015 Cadillac ATS$1,871
2016 Cadillac ATS$1,953
2017 Cadillac ATS$1,979
2018 Cadillac ATS$2,020
2019 Cadillac ATS$2,136
2020 Cadillac ATS$2,001

Cadillac ATS-V car insurance

Cadillac ATS-V
ATS-V Highlights
  • The average cost of insuring a Cadillac ATS-V is $2,621 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 $2,621 per year or $218 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 $620 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

Make and ModelAverage annual rates
2016 Cadillac ATS-V$2,467
2017 Cadillac ATS-V$2,545
2018 Cadillac ATS-V$2,613
2019 Cadillac ATS-V$2,748
2020 Cadillac ATS-V$2,621

Cadillac CT-6 car insurance

Cadillac CT-6
CT-6 Highlights
  • The average cost of insuring a Cadillac CT-6 is $2,491 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 $2,491 per year or $207 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.

Make and ModelAverage annual rates
2016 Cadillac CT-6$2,241
2017 Cadillac CT-6$2,332
2018 Cadillac CT-6$2,353
2019 Cadillac CT-6$2,449
2020 Cadillac CT-6$2,491

Compare Cadillac CT-6 car insurance rates by state

Cadillac CTS car insurance

Cadillac CTS
CTS Highlights
  • The average cost of insuring a Cadillac CTS is $2,112 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 $2,112 per year or $176 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 Cadillac CTS, refer to the table below.

Make and ModelAverage annual rates
2015 Cadillac CTS$2,043
2016 Cadillac CTS$2,132
2017 Cadillac CTS$2,116
2018 Cadillac CTS$2,128
2019 Cadillac CTS$2,243
2020 Cadillac CTS$2,112

Cadillac Escalade car insurance

Cadillac Escalade
Escalade Highlights
  • The average cost of insuring a Cadillac Escalade is $2,261 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 $2,261 per year or $188 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 for driving.

The table below depicts the average rate of insurance for other Cadillac Escalade models

Make and ModelAverage annual rates
2015 Cadillac Escalade$2,124
2016 Cadillac Escalade$2,179
2017 Cadillac Escalade$2,240
2018 Cadillac Escalade$2,276
2019 Cadillac Escalade$2,348
2020 Cadillac Escalade$2,261

Compare Cadillac Escalade car insurance rates by state

Cadillac XTS car insurance

Cadillac XTS
XTS Highlights
  • The average cost of insuring a Cadillac XTS is $2,041 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 $2,041 per year or $170 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.

Make and ModelAverage annual rates
2015 Cadillac XTS$1,929
2016 Cadillac XTS$2,011
2017 Cadillac XTS$1,996
2018 Cadillac XTS$2,090
2019 Cadillac XTS$2,169
2020 Cadillac XTS$2,041