Prachi Singh Written by Prachi Singh
Contributing Researcher

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.


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CAR INSURANCE
Car insurance insights

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.

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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 modelAverage 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

Cadillac ATS
ATS Highlights
  • 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 modelAverage 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

Cadillac ATS-V
ATS-V Highlights
  • 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 modelAverage 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

Cadillac CT-6
CT-6 Highlights
  • 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 modelAverage 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

Cadillac CTS
CTS Highlights
  • 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 modelAverage 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

Cadillac Escalade
Escalade Highlights
  • 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, as well as the auto insurance rates by company and state.

Rates by model
Year and modelAverage 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
Rates by company
CompanyAverage annual premiumAverage monthly premium
State Farm$1,919$160
Nationwide$2,151$179
Geico$2,499$208
Progressive$2,825$235
Farmers$3,548$296
Allstate$4,643$387
Rates by state
StateAverage annual premium% Diff from national average
Alabama$2,81622% more
Alaska$2,1776% less
Arizona$2,90426% more
Arkansas$3,23140% more
California$3,40148% more
Colorado$4,601100% more
Connecticut$2,66115% more
Delaware$3,00630% more
Florida$3,50752% more
Georgia$3,18338% more
Hawaii$1,76623% less
Idaho$2,1895% less
Illinois$2,59112% more
Indiana$2,4446% more
Iowa$2,77120% more
Kansas$3,11735% more
Kentucky$3,86768% more
Louisiana$4,26585% more
Maine$2,1786% less
Maryland$2,83023% more
Massachusetts$2,90526% more
Michigan$3,39847% more
Minnesota$3,05733% more
Mississippi$2,92327% more
Missouri$3,54454% more
Montana$3,27642% more
Nebraska$3,50452% more
Nevada$2,4677% more
New Hampshire$2,2662% less
New Jersey$2,82022% more
New Mexico$3,08034% more
New York$2,299Equal
North Carolina$2,3703% more
North Dakota$2,79921% more
Ohio$2,2751% less
Oklahoma$2,98129% more
Oregon$2,64815% more
Pennsylvania$2,85524% more
Rhode Island$3,27642% more
South Carolina$2,70117% more
South Dakota$4,18482% more
Tennessee$3,10335% more
Texas$3,43249% more
Utah$2,4928% more
Vermont$2,4637% more
Virginia$2,02112% less
Washington$2,2363% less
Washington, D.C.$3,26642% more
West Virginia$2,54811% more
Wisconsin$2,4135% more
Wyoming$3,78164% more

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 $2,033 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 modelAverage 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
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