Acura RDX vs Cadillac XT5 Insurance Cost
The Acura RDX is cheaper to insure by about $175 a year for full coverage by our estimate ($1,230 vs. $1,405), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Acura RDX | Cadillac XT5 | Difference |
|---|---|---|---|
| State minimum | $470 | $560 | −$90 |
| Standard (100/300/100) | $680 | $810 | −$130 |
| Full coverage | $1,230 | $1,405 | −$175 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = RDX minus XT5.
Why one costs more to insure
| Factor | Acura RDX | Cadillac XT5 |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline | Gasoline |
| HLDI collision (100 = avg) | 72 | 86 |
| HLDI comprehensive | 74 | 69 |
| HLDI property damage liability | 69 | 93 |
| HLDI bodily injury liability | 62 | 86 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 3 |
Collision losses are the biggest swing factor: the Cadillac XT5 has 14 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
RDX vs XT5 insurance by state
By driver profile (full coverage)
| Driver | RDX | XT5 |
|---|---|---|
| Teen driver (18, own policy) | $3,385 | $3,860 |
| Young adult (22) | $1,970 | $2,245 |
| Adult in their 30s | $1,230 | $1,405 |
| Adult in their 50s | $1,135 | $1,290 |
| Senior (72) | $1,380 | $1,570 |
| 30s, one at-fault accident | $1,785 | $2,035 |
| 30s, DUI on record | $2,280 | $2,595 |
More comparisons
Frequently asked questions
Is the Acura RDX or the Cadillac XT5 cheaper to insure?
By our estimate the Acura RDX is cheaper, by about $175 a year for full coverage ($1,230 vs. $1,405) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Acura RDX and Cadillac XT5?
Mostly because of insurance-loss history: HLDI collision indices of 72 vs. 86 and comprehensive indices of 74 vs. 69 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.