Cadillac XT6 Car Insurance Cost 2025
The average annual cost of insuring a Cadillac XT6 is $1,500. However, the exact price can vary depending on factors such as your age, the car’s model year, and other details. Check our quote tables below for an estimate tailored to your specific needs.
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The average cost of insuring a Cadillac XT6 in 2025 typically falls between $1,500 and $2,700 per year, depending on the driver’s profile, location, and coverage preferences.
As a luxury midsize SUV, the XT6 carries higher insurance rates than many standard vehicles due to its premium components and repair costs. However, its strong safety features and available discounts can help reduce the total premium.
Factors such as age, driving history, and deductible choices all play a role in determining the final price. This guide explores average insurance costs and highlights the most affordable providers for Cadillac XT6 owners.
How Much Does Cadillac XT6 Car Insurance Cost?
Cadillac XT6 drivers typically pay an average of $1,500 annually for car insurance.
Car insurance costs can vary widely due to factors such as location, driving history, vehicle model year, and chosen coverage options. Maintaining a clean driving record can help lower premiums, while a history of accidents or traffic violations may increase costs.
Living in urban areas with heavy traffic can result in higher rates compared to rural areas with less congestion. Additionally, your coverage type affects costs—comprehensive insurance, which includes both collision and comprehensive coverage, is more expensive than basic liability coverage.
As shown in the table below, insuring a Cadillac XT6 is less expensive than the average cost for all Audi models but higher than the average for all cars. Insuranceopedia can help you compare quotes from multiple providers to find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Cadillac XT6 | $195 |
| All Cadillac | $170 |
| All Cars | $175 |
Average Insurance Cost Of Cadillac XT6 By Model Year
| Model Year | Average Premium |
| 2025 Cadillac XT6 | $1,684 |
| 2023 Cadillac XT6 | $1,187 |
| 2022 Cadillac XT6 | $1,249 |
| 2021 Cadillac XT6 | $1,299 |
| 2020 Cadillac XT6 | $799 |
2025 Cadillac XT6 Insurance Rates
The average annual insurance cost for a 2025 Cadillac XT6 is $1,684. However, National General offers the cheapest rates, averaging $1,245 per year.
| Insurance Provider | Average Annual Cost |
| National General | $1,245 |
| Kemper Auto | $2,005 |
| Safeco | $1,605 |
| Texas Farm Bureau Group | $1,620 |
| Nationwide | $1,260 |
| SECURA Insurance | $1,335 |
| Permanent General | $1,830 |
| Hastings Mutual Insurance | $1,845 |
| Travelers | $2,010 |
| USAA | $2,080 |
2023 Cadillac XT6 Insurance Rates
The average annual insurance cost for a 2023 Cadillac XT6 is $1,187. However, National General offers the cheapest rates, averaging $261 per year.
| Insurance Provider | Average Annual Cost |
| National General | $261 |
| USAA | $2,005 |
| Permanent General | $1,746 |
| Hastings Mutual Insurance Co | $1,772 |
| Safeco | $538 |
| Nationwide | $1,202 |
| Texas Farm Bureau Group | $620 |
| SECURA Insurance | $1,235 |
| Travelers | $1,913 |
| Kemper Auto | Infinity | $577 |
2022 Cadillac XT6 Insurance Rates
The average annual insurance cost for a 2022 Cadillac XT6 is $1,249. However, Mercury Insurance offers the cheapest rates, averaging $690 per year.
| Insurance Provider | Average Annual Cost |
| Oregon Mutual | $1,528 |
| Safeco | $1,017 |
| Wolverine Mutual | $1,518 |
| Mercury Insurance | $690 |
| Mutual Of Enumclaw | $1,494 |
| North Carolina Farm Bureau | $1,095 |
| SECURA Insurance | $1,207 |
| Nationwide | $1,429 |
| Capital Insurance Group | $982 |
| GMAC Insurance Group | $1,531 |
2021 Cadillac XT6 Insurance Rates
The average annual insurance cost for a 2021 Cadillac XT6 is $1,299. However, Safeco offers the cheapest rates, averaging $285 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $812 |
| United Farm Bureau of IN Group | $1,702 |
| Direct Auto | $1,818 |
| SECURA Insurance | $1,528 |
| Buckeye Insurance Group | $1,228 |
| New York Central Mutual Fire | $1,508 |
| Western Reserve | $1,430 |
| Safeco | $285 |
| Indiana Farmers Mutual Ins | $1,096 |
| Texas Farm Bureau Group | $1,581 |
2020 Cadillac XT6 Insurance Rates
The average annual insurance cost for a 2020 Cadillac XT6 is $799. However, Safeco offers the cheapest rates, averaging $562 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $563 |
| NatGen PPA | $719 |
| Texas Farm Bureau Group | $1,031 |
| Buckeye Insurance Group | $840 |
| Acuity | $999 |
| Rural Mutual Insurance | $986 |
| Safeco | $562 |
| Direct Auto | $663 |
| Union Mutual Fire Group | $671 |
| Mercury Insurance | $951 |
Find Affordable Cadillac XT6 Insurance Rates
Are Cadillac XT6s Expensive To Insure?
The Cadillac XT6 is considered moderately expensive to insure compared to other SUVs. As a luxury midsize vehicle, it comes with advanced features and higher repair costs, both of which can push insurance premiums upward. Annual rates typically range from around $1,500 to over $2,500, depending on your location, driving history, and coverage level. Despite the higher cost, its strong safety ratings and availability of anti-theft technology may qualify drivers for discounts. Ultimately, shopping around and comparing quotes from different insurers is the best way to find competitive rates tailored to your personal circumstances.
Find Affordable Cadillac XT6 Insurance Rates
Cheapest Car Insurance Companies For A Cadillac XT6
National General offers the most competitive rate, with an estimated annual premium of $270, translating to approximately $23 per month. Lemonade follows with an estimated monthly premium of $40. Kemper Auto provides a balanced option at $575 annually, equating to roughly $48 per month. Texas Farm Bureau’s premium is slightly higher at around $590 annually, equal to $49 per month, while Safeco rounds out the list with an annual rate of $565, translating to about $47 per month.
| Company | Average Monthly Rate |
| Safeco | $47 |
| Texas Farm Bureau | $49 |
| Kemper Auto | $48 |
| National General | $23 |
| Lemonade | $40 |
Common Cadillac XT6 Insurance Discounts
Discounts are an excellent way to reduce your car insurance premiums. While each provider offers unique discounts, here are some common options to explore:
- Multi-policy: Bundling your home and auto insurance with the same provider often results in a discounted rate.
- Pay annually: Paying your premium in full, rather than in monthly installments, can lower costs.
- Defensive driving: Completing a defensive driving course through a certified institution may make you eligible for reduced rates.
Other discounts may also be available. To maximize savings, consult your insurance agent, who can help identify discounts you qualify for based on your profile.
Ways To Save On Cadillac XT6 Insurance Costs
Keeping a clean driving record is one of the most effective ways to lower your Cadillac XT6 insurance costs. A speeding ticket or an accident can significantly increase your premiums—drivers with a ticket may pay around $97 per month, while those with multiple accidents could see rates averaging $130 per month. Avoiding such incidents helps keep your insurance expenses manageable.
Additionally, drivers with lower annual mileage often pay less for Cadillac XT6 insurance. Spending less time on the road reduces the risk of accidents, making low-mileage drivers less risky to insure and eligible for lower premiums.
Compare Cadillac XT6 To Other Cadillac Models
Looking for other Cadillac model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, your actual rates may vary based on your individual circumstances.
Quotes Analyzed
Brands Reviewed
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FAQs
Do You Need Insurance Before You Can Purchase A Cadillac XT6?
Yes, proof of insurance is required before you can drive your Cadillac XT6 off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming purchase, rather than relying on insurance provided by the dealership.
How Can You Get The Cheapest Insurance For Your Cadillac XT6?
The most effective way to secure the lowest rates for your Cadillac XT6 is by comparing quotes from various auto insurance companies. Insuranceopedia simplifies this process by allowing you to compare quotes from multiple providers directly on our website.
