Insuring a Cadillac costs about $1,530 a year for a typical model at the US average — around the average. The cheapest is the XT5 (~$1,196/yr), the priciest the CTS (~$1,950/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 17 Cadillacs that baseline spans $1,196 to $1,950 a year.
Cadillac insurance cost by model
Estimated annual premium for every Cadillac model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 17 of them, from the XT5 up to the CTS.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| XT5 | $1,196/yr | 83% of avg | Cheap |
| XT4 | $1,227/yr | 85% of avg | Cheap |
| SRX | $1,303/yr | 91% of avg | Cheap |
| DTS | $1,409/yr | 98% of avg | Average |
| CT5 | $1,419/yr | 99% of avg | Average |
| XT6 | $1,421/yr | 99% of avg | Average |
| Lyriq | $1,471/yr | 102% of avg | Average |
| XTS | $1,514/yr | 105% of avg | Average |
| ATS | $1,530/yr | 106% of avg | Average |
| STS | $1,553/yr | 108% of avg | Average |
| CT6 | $1,566/yr | 109% of avg | Average |
| Escalade | $1,569/yr | 109% of avg | Average |
| XLR | $1,575/yr | 110% of avg | Average |
| ELR | $1,733/yr | 121% of avg | Pricey |
| Escalade ESV | $1,786/yr | 124% of avg | Pricey |
| CT4 | $1,862/yr | 130% of avg | Pricey |
| CTS | $1,950/yr | 136% of avg | Pricey |
Cheapest Cadillacs to insure
The Cadillac models that cost the least to insure at the US average.
Most expensive Cadillacs to insure
The priciest Cadillacs to insure — usually the most powerful and costly to repair.
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Cadillac insurance cost by state — all 50
Where you live moves a Cadillac premium as much as which model you pick. A typical Cadillac (index 106) runs about $2,121/yr in Florida but only $985/yr in Maine — a swing of over $1,136 on the same car.
Estimated annual premium for a typical Cadillac in every state, priciest first.
| State | Typical Cadillac / yr | vs US average |
|---|---|---|
| Florida | $2,121/yr | +39% vs US |
| Louisiana | $2,106/yr | +38% vs US |
| New York | $2,017/yr | +32% vs US |
| District of Columbia | $1,935/yr | +26% vs US |
| Georgia | $1,858/yr | +21% vs US |
| Texas | $1,837/yr | +20% vs US |
| Rhode Island | $1,819/yr | +19% vs US |
| New Jersey | $1,801/yr | +18% vs US |
| Colorado | $1,761/yr | +15% vs US |
| Maryland | $1,705/yr | +11% vs US |
| Nevada | $1,703/yr | +11% vs US |
| Michigan | $1,673/yr | +9% vs US |
| Delaware | $1,670/yr | +9% vs US |
| South Carolina | $1,614/yr | +5% vs US |
| Connecticut | $1,605/yr | +5% vs US |
| Arizona | $1,600/yr | +5% vs US |
| California | $1,507/yr | -2% vs US |
| Massachusetts | $1,504/yr | -2% vs US |
| Mississippi | $1,484/yr | -3% vs US |
| Oklahoma | $1,409/yr | -8% vs US |
| Missouri | $1,407/yr | -8% vs US |
| New Mexico | $1,384/yr | -10% vs US |
| Arkansas | $1,380/yr | -10% vs US |
| Utah | $1,367/yr | -11% vs US |
| Pennsylvania | $1,355/yr | -11% vs US |
| Alabama | $1,350/yr | -12% vs US |
| Oregon | $1,350/yr | -12% vs US |
| Alaska | $1,343/yr | -12% vs US |
| Illinois | $1,337/yr | -13% vs US |
| Virginia | $1,317/yr | -14% vs US |
| Washington | $1,314/yr | -14% vs US |
| West Virginia | $1,306/yr | -15% vs US |
| Minnesota | $1,302/yr | -15% vs US |
| Tennessee | $1,289/yr | -16% vs US |
| Kentucky | $1,286/yr | -16% vs US |
| Nebraska | $1,259/yr | -18% vs US |
| Montana | $1,259/yr | -18% vs US |
| Kansas | $1,257/yr | -18% vs US |
| Wyoming | $1,256/yr | -18% vs US |
| South Dakota | $1,232/yr | -19% vs US |
| North Carolina | $1,167/yr | -24% vs US |
| Ohio | $1,104/yr | -28% vs US |
| New Hampshire | $1,098/yr | -28% vs US |
| Indiana | $1,098/yr | -28% vs US |
| Iowa | $1,074/yr | -30% vs US |
| Wisconsin | $1,064/yr | -30% vs US |
| Hawaii | $1,062/yr | -31% vs US |
| Idaho | $1,044/yr | -32% vs US |
| North Dakota | $1,023/yr | -33% vs US |
| Vermont | $1,019/yr | -33% vs US |
| Maine | $985/yr | -36% vs US |
Estimate a specific Cadillac model in your state →
Cadillac insurance cost by year
A typical Cadillac costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Cadillac premium by year (US average):
| Year | Typical Cadillac / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Cadillac figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Cadillac insurance — frequently asked
Is Cadillac expensive to insure?
Cadillac is around the average to insure — a typical model runs about $1,530/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $1,196 to $1,950.
What is the cheapest Cadillac to insure?
The XT5 is the cheapest Cadillac to insure in our data — around $1,196/yr at the national average, about 17% below a typical car.
What is the most expensive Cadillac to insure?
The CTS is the priciest Cadillac to insure — roughly $1,950/yr, about 36% above the average car.
How much is insurance on a Cadillac per month?
A typical Cadillac costs about $128/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Cadillac runs about $100/month, the priciest $163.
How is this Cadillac estimate calculated?
We combine each Cadillac model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.