Cadillac Car Insurance: How Much Is Cadillac Insurance? 2026
We’ve saved shoppers an average of $600 per year on their car insurance.
The average cost to insure a Cadillac is currently around $3,042 per year for a standard full-coverage policy. However, your exact premium depends heavily on the specific model you drive, with high-performance V-Series vehicles and fully loaded Escalades falling at the higher end of that spectrum.
Because Cadillacs are luxury vehicles built with expensive replacement parts and advanced safety technology, their collision claims cost more to resolve than standard sedans. Comparing car insurance quotes from multiple carriers remains the most effective way to secure competitive rates.
What’s Changed In 2026?
- Repair costs for Cadillac’s tech-heavy interiors and ADAS systems have continued pushing claims costs higher for insurers.
- The Cadillac LYRIQ and other EV models are now drawing higher premiums due to costly battery repairs and limited shop availability.
- Telematics-based discounts are increasingly available for Cadillac drivers, offering a meaningful way to offset higher base rates
How Much Does Cadillac Insurance Cost?
The average cost to insure a Cadillac is $253 per month, totaling approximately $3,042 per year. However, your insurance premium will vary depending on factors like your age, location, driving history, and the specific model of your car.
Average Cadillac Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Cadillac, across all models, is $3,042 per year.
The Cadillac XT5 is the cheapest model to insure, at $2,517 per year. On the other hand, the Cadillac Escalade is the most expensive, at an average of $3,803 per year.
Use the table below to compare insurance rates for Cadillac models.
| Cadillac Model | Average Yearly Insurance Cost |
| Cadillac CT4 | $2,849 |
| Cadillac CT5 | $2,896 |
| Cadillac CT6 | $3,660 |
| Cadillac Escalade | $3,803 |
| Cadillac XT4 | $2,529 |
| Cadillac XT5 | $2,517 |
Keep in mind that these numbers are averages, and the actual cost can change based on where you live, your age, driving history, and the type of coverage you select.
Are Cadillacs Expensive To Insure?
The national average monthly car insurance cost is $156, while insuring a Cadillac averages $253 per month across all models—a notably higher amount. That said, insurance rates are typically based on the specific car model rather than the brand overall, so it’s important to review rates for your particular model.
Cadillac CT4 Insurance Cost
The average cost of insuring a Cadillac CT4, across all model years, is $1,160 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Cadillac CT4 | $1,518 |
| 2022 Cadillac CT4 | $1,087 |
| 2021 Cadillac CT4 | $1,087 |
| 2020 Cadillac CT4 | $948 |
Cadillac CT5 Insurance Cost
The average cost of insuring a Cadillac CT5, across all model years, is $1,321 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Cadillac CT5 | $2,052 |
| 2023 Cadillac CT5 | $1,014 |
| 2022 Cadillac CT5 | $1,215 |
| 2021 Cadillac CT5 | $1,192 |
| 2020 Cadillac CT5 | $1,131 |
Cadillac CT6 Insurance Cost
The average cost of insuring a Cadillac CT6, across all model years, is $1,176 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2020 Cadillac CT6 | $1,688 |
| 2019 Cadillac CT6 | $1,212 |
| 2018 Cadillac CT6 | $1,024 |
| 2017 Cadillac CT6 | $1,058 |
| 2016 Cadillac CT6 | $899 |
Cadillac Escalade Insurance Cost
The average cost of insuring a Cadillac Escalade, across all model years, is $1,340 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Cadillac Escalade | $1,457 |
| 2022 Cadillac Escalade | $1,800 |
| 2021 Cadillac Escalade | $1,124 |
| 2020 Cadillac Escalade | $1,048 |
| 2019 Cadillac Escalade | $1,271 |
Cadillac XT4 Insurance Cost
The average cost of insuring a Cadillac XT4, across all model years, is $1,218 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Cadillac XT4 | $1,672 |
| 2023 Cadillac XT4 | $1,285 |
| 2022 Cadillac XT4 | $1,300 |
| 2021 Cadillac XT4 | $883 |
| 2020 Cadillac XT4 | $951 |
Cadillac XT5 Insurance Cost
The average cost of insuring a Cadillac XT5, across all model years, is $1,169 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Cadillac XT5 | $1,538 |
| 2023 Cadillac XT5 | $1,375 |
| 2022 Cadillac XT5 | $1,379 |
| 2021 Cadillac XT5 | $757 |
| 2020 Cadillac XT5 | $797 |
Cheapest Car Insurance Companies For Cadillacs
The cost of your Cadillac car insurance policy will depend on the company that you choose. Safeco offers the cheapest rates for insuring a Cadillac, at $1,020 per year.
Use the table below to compare cheap full-coverage rates for a Cadillac.
| Company | Average Annual Premium |
| Safeco | $1,020 |
| Nationwide | $1,608 |
| Allstate | $2,448 |
| Progressive | $1,872 |
| Travelers | $1,308 |
Cadillac Car Insurance Cost – By Driver Age
The rates you pay to insure a Cadillac will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $10,376 |
| 18 | $9,668 |
| 19 | $8,539 |
| 20 | $7,437 |
| 21 | $6,248 |
| 22 | $6,093 |
| 23 | $5,328 |
| 24 | $5,061 |
| 25 | $4,373 |
| 30 | $3,403 |
| 35 | $3,184 |
| 40 | $3,056 |
| 45 | $2,971 |
| 55 | $2,730 |
| 65 | $2,841 |
| 75 | $3,596 |
Seeing the average cost is helpful, but it doesn’t tell you what your own policy actually protects. Curious what’s really in yours? Upload it to PolicyOwl and get a clear, plain-English breakdown in minutes.
Average Cadillac Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| Commonwealth Casualty | $700 |
| MetroMile | $955 |
| Gainsco | $1,010 |
| Dairyland | $1,058 |
| Mile Auto | $1,070 |
Average Cadillac Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $3,234 |
| Alaska | $2,682 |
| Arizona | $3,034 |
| Arkansas | $3,324 |
| California | $3,693 |
| Colorado | $3,456 |
| Connecticut | $4,424 |
| Delaware | $3,647 |
| Florida | $4,346 |
| Hawaii | $1,420 |
| Idaho | $2,461 |
| Illinois | $2,567 |
| Indiana | $2,643 |
| Iowa | $2,102 |
| Kansas | $2,785 |
| Kentucky | $4,023 |
| Louisiana | $5,180 |
| Maine | $1,965 |
| Maryland | $3,165 |
| Massachusetts | $2,536 |
| Michigan | $6,132 |
| Minnesota | $2,520 |
| Mississippi | $3,055 |
| Missouri | $2,877 |
| Montana | $2,929 |
| Nebraska | $2,460 |
| Nevada | $4,072 |
| New Hampshire | $2,825 |
| New Jersey | $3,123 |
| New Mexico | $3,179 |
| New York | $2,943 |
| North Carolina | $1,824 |
| North Dakota | $2,513 |
| Ohio | $2,226 |
| Oklahoma | $3,563 |
| Oregon | $3,234 |
| Pennsylvania | $2,732 |
| Rhode Island | $4,561 |
| South Carolina | $3,092 |
| South Dakota | $2,781 |
| Tennessee | $3,275 |
| Texas | $3,288 |
| Utah | $2,806 |
| Vermont | $2,147 |
| Virginia | $2,022 |
| Washington | $2,697 |
| West Virginia | $2,701 |
| Wisconsin | $2,690 |
| Wyoming | $2,523 |
| Georgia | $3,539 |
How To Save Money On Cadillac Car Insurance?
Owning a Cadillac involves several costs, with car insurance being one of the largest. However, you can still find ways to lower your insurance expenses. Here’s how:
Keep a Clean Driving Record
Your driving history is important for setting your premium. Avoiding accidents and traffic tickets shows insurers that you’re a low-risk driver, which can lower your insurance costs.
Bundle Your Policies
Combining different types of insurance, like home and auto, often comes with discounts. This not only makes managing your insurance easier but also reduces your premiums.
Raise Your Deductible
Increasing your deductible (the amount you pay before insurance covers the rest) can lower your premium. Just be sure you can afford the higher deductible if you need to make a claim.
Add Safety Features
Cadillacs already have many safety features, but adding extras like anti-theft devices can further reduce your insurance costs by lowering the risk of theft and damage.
Look for Discounts
Insurance companies often offer discounts for good students, clean driving records, or completing defensive driving courses. Check with your insurer to find out if you qualify for any discounts.
Compare Quotes
Insurance rates can vary greatly among providers. Compare quotes to find the best deal for your needs.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive Cadillac Model To Insure?
At $3,803 per year, the Cadillac Escalade is the most expensive Cadillac model for car insurance.
What Is The Cheapest Cadillac Model To Insure?
The Cadillac XT5 is the cheapest model for car insurance, at $2,517 per year.
About Bob Phillips
