About $1,303 a year for full coverage on a national average — 9% less than the $1,438 average car. Insurers rate the Cadillac SRX at an index of 91 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2014-2016).
The premium isn't spread evenly across the Cadillac SRX: Collision — damage to your own car in a crash — carries its highest loss index at 103, while Medical payments sits at 79. Those 24 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2016 SRX sells for a median $9,900, so a year of cover costs 13.2% of the car's value. Over 10 generations of data the index has fallen from 106 (2004-2006) to 91 (2014-2016). Calculated from 18 insurance-loss records and live US listing prices.
Why a SRX costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,303: Liability (BI + PD) $625 · Collision $365 · Comprehensive $156 · Other (UM / PIP) $156.
How it changed by generation
Insurance-loss index of the SRX across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The SRX has become cheaper to insure over time (-15 points).
What a SRX costs by state
Where you park matters as much as what you drive. The SRX's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | SRX est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Cadillac SRX's loss index of 91 — your own quote also depends on age, record, deductible and ZIP.
Cadillac SRX insurance — frequently asked
How much is insurance for a Cadillac SRX?
About $1,303 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 91 applied to the US average premium.
Why is the SRX expensive or cheap to insure?
For the Cadillac SRX the costliest area is Collision at an index of 103, covering damage to your own car in a crash — against 79 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Cadillac SRX lands at 91, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 13.2% of what a 2016 SRX sells for — $1,303 against a median price of $9,900. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 13.2% the SRX sits on the expensive side of that trade.
Does its safety rating lower the premium?
Not directly. The SRX holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same SRX can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.