Buy Cheap Cadillac Auto Insurance in (2023)
Cadillacs are a luxury brand, so insurance can be expensive. Full coverage Cadillac insurance averages $164/mo, but it will be easier to find cheap Cadillac auto insurance for certain models. For example, full coverage Cadillac ATS insurance is only $141/mo versus $190/mo for a Cadillac Escalade.
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Justin Wright
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Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Aug 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Cadillac Escalade has some of the most expensive average auto insurance rates out of all the Cadillac models
- The Cadillac CTS and Cadillac ATS have some of the cheapest average auto insurance rates out of all the Cadillac models
- Shopping around for Cadillac auto insurance rates will help drivers find the best deal on auto insurance
As a brand that is typically considered a luxury brand, Cadillacs can cost a little more to insure than cheaper vehicles, but this doesn’t mean you can’t find cheap Cadillac auto insurance. On average, monthly rates for full coverage policies range from $150 to $190 for different Cadillac models, but you can get cheaper rates by shopping around, applying for discounts, and other saving methods.
Keep reading to learn more about finding cheap Cadillac auto insurance. We cover everything from what coverages you should consider for your Cadillac to ways to buy cheap auto insurance.
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- Buy Cheap Cadillac XTS Auto Insurance in 2023
- Buy Cheap Cadillac CTS-V Auto Insurance in 2023
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- Buy Cheap Cadillac DTS Auto Insurance in 2023
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Types of Auto Insurance for Cadillacs
Not sure what auto insurance coverage you should get for your Cadillac? You can read our guide on how to buy auto insurance to learn more about what your state requires, but to start, most drivers will need to carry state-mandated liability insurance, so at the very least, you will have to pay for liability car insurance. This is vital coverage, however, as it protects you if you cause an accident by paying for other parties’ medical and property damage bills.
Your state may also require you to carry uninsured and/or underinsured motorist insurance. If the driver who hit you doesn’t have insurance or doesn’t have enough insurance to cover your accident costs completely, these coverages will help pay your bills.
Medical payments (MedPay) or personal injury protection (PIP) coverage may also be required in your state. MedPay helps pay for your and your passenger’s medical bills if you are injured in an accident, regardless of who caused the accident. PIP also helps pay medical bills, but it also covers extras like lost wages and childcare.
Finally, if you have a lease or loan on your Cadillac, your lender will require you to carry comprehensive and collision insurance, even though these coverages are not state-required. This is because these coverages protect the lender’s assets.
For example, collision insurance pays for your car’s repairs if you crash into another car. Comprehensive insurance pays for your car’s repairs if you crash into an animal or your car is damaged by vandalism, weather, or falling objects, so even if you don’t have a loan or lease, these two coverages can be valuable in protecting your Cadillac.
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Cadillac Auto Insurance Rates
Now that you know the best Cadillac auto insurance coverages you will need to carry on your Cadillac, let’s take a look at some of the average rates by model for different types of auto insurance coverages. While you might be tempted to go with a liability-only insurance policy as it is the cheapest in the rates we show below, remember that your own car repairs won’t be covered after an accident you cause.
| Vehicle model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Cadillac XTS | $33 | $67 | $42 | $157 |
| 2023 Cadillac XT5 | $38 | $72 | $37 | $162 |
| 2023 Cadillac Escalade ESV | $43 | $70 | $42 | $170 |
| 2023 Cadillac Escalade | $46 | $78 | $47 | $190 |
| 2023 Cadillac CTS-V | $39 | $78 | $35 | $167 |
| 2023 Cadillac CTS | $31 | $61 | $42 | $149 |
| 2023 Cadillac CT6 | $37 | $76 | $42 | $170 |
| 2023 Cadillac ATS-V | $39 | $81 | $42 | $178 |
| 2023 Cadillac ATS Coupe | $33 | $67 | $42 | $157 |
| 2023 Cadillac ATS | $28 | $55 | $42 | $141 |
One of the more expensive models to insure is the Cadillac Escalade, which can retail for around $100,000 for certain builds. The models that have cheaper average rates are the Cadillac ATS and the Cadillac CTS, both of which have retail prices about half that of the Cadillac Escalade.
The reason rates are cheaper for less expensive Cadillac models is that insurance companies won’t have to pay out as much for repair parts in a claim. More expensive cars will have more expensive parts, which causes the price of insurance to go up to compensate for the potentially expensive claims in the future. Learn how to file an auto insurance claim here.
Other factors that will raise your Cadillac rates, besides which model you own, are your age and driving record. Younger drivers will pay more for insurance due to their driving inexperience, as well as drivers with poor driving records. You can see how rates change based on these factors below.
| Vehicle model | High Risk Driver | 20-Year-Old-Driver | 30-Year-Old-Driver | 40-Year-Old-Driver | 50Year-Old-Driver | 60Year-Old-Driver |
|---|---|---|---|---|---|---|
| 2023 Cadillac XTS | $335 | $357 | $164 | $157 | $143 | $140 |
| 2023 Cadillac XT5 | $346 | $368 | $169 | $162 | $148 | $145 |
| 2023 Cadillac Escalade ESV | $362 | $386 | $178 | $170 | $155 | $152 |
| 2023 Cadillac Escalade | $405 | $431 | $199 | $190 | $174 | $170 |
| 2023 Cadillac CTS-V | $355 | $378 | $174 | $167 | $152 | $149 |
| 2023 Cadillac CTS | $318 | $338 | $156 | $149 | $136 | $133 |
| 2023 Cadillac CT6 | $361 | $385 | $177 | $170 | $155 | $152 |
| 2023 Cadillac ATS-V | $379 | $404 | $186 | $178 | $162 | $159 |
| 2023 Cadillac ATS Coupe | $335 | $357 | $164 | $157 | $143 | $140 |
| 2023 Cadillac ATS | $300 | $319 | $147 | $141 | $129 | $126 |
Young drivers will see a decrease in auto insurance rates as they age if they keep a clean driving record. They can also participate in discount programs if they are available at their auto insurance company, such as good student discounts or good driver discounts. Read our guide on how to buy cheap auto insurance for young adults for more information on how to save.
Tips for Saving on Cadillac Auto Insurance
If you want to save on your Cadillac auto insurance policy, there are a few things you can try to reduce your rates and get cheap Cadillac auto insurance. Take a look at some tips below for ways to save on your auto insurance policy.
- Make sure you are applying for discounts. There may be auto insurance discounts that you can apply for to get more savings, such as a safe driver discount for participating in a safe driver program.
- Raise your auto insurance deductible. Because you are taking on more financial responsibility, insurance companies will lower your auto insurance rates. However, make sure you keep the deductible at an amount you can pay out of pocket.
- Shop around for quotes at different companies. Shopping around and comparing rates is the best way to ensure you are getting the cheapest possible rate for your Cadillac.
In addition to the tips above, keeping a clean driving record will help keep your Cadillac auto insurance rates low, as your insurance company will categorize you as a low-risk driver.
The Final Word on Cheap Cadillac Auto Insurance
Cadillacs will cost a little more to insure on average than cheaper cars, as Cadillacs are considered luxury cars. The good news is that there are plenty of ways you can reduce your auto insurance rates, from shopping around for quotes to applying for discounts.
If you are ready to jump into comparing auto insurance rates for your Cadillac, use our free quote comparison tool. It will help you compare rates from companies in your area so you can get the best cheap Cadillac auto insurance.
Frequently Asked Questions
Can I find cheap auto insurance for my Cadillac?
Yes, it is possible to find affordable auto insurance for your Cadillac. By exploring different insurance providers and comparing quotes, you can potentially find a policy that fits your budget while still providing adequate coverage.
What factors affect the cost of Cadillac auto insurance?
Several factors influence the cost of Cadillac auto insurance. These may include your driving record, the model and year of your Cadillac, your location, your age and gender, your credit history, the coverage options you choose, and the deductible amount you select.
How can I reduce the cost of my Cadillac auto insurance?
There are a few ways to potentially reduce the cost of your Cadillac auto insurance. You can consider raising your deductible, maintaining a good driving record, bundling your auto insurance with other policies, installing safety features in your Cadillac, and inquiring about any available discounts offered by insurance companies.
Are there any specific Cadillac models that are cheaper to insure?
Insurance costs can vary depending on the model and year of your Cadillac. Generally, models with higher horsepower, sportier designs, or luxury features may have higher insurance premiums. However, specific insurance rates can differ between providers, so it is advisable to obtain quotes for the specific Cadillac model you own or plan to buy.
Should I opt for the minimum required insurance coverage to save money?
While opting for the minimum required insurance coverage might save you money in the short term, it may not provide sufficient protection in the event of an accident or damage to your Cadillac. It is important to carefully consider your insurance needs and strike a balance between cost and coverage to ensure you have adequate protection.
Are Cadillacs expensive to insure?
Cadillac auto insurance is more expensive, but you can still find savings by comparing quotes.
How much is auto insurance on a Cadillac CTS?
Full auto insurance coverage for a Cadillac CTS costs $133/mo.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.