Estimates, not quotes

Cadillac XT5 vs Audi Q3 Insurance Cost

The Cadillac XT5 is cheaper to insure by about $35 a year for full coverage by our estimate ($1,405 vs. $1,440), and cheaper in 49 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageCadillac XT5Audi Q3Difference
State minimum$560$515+$45
Standard (100/300/100)$810$745+$65
Full coverage$1,405$1,440−$35

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XT5 minus Q3.

Why one costs more to insure

FactorCadillac XT5Audi Q3
SegmentLuxury SUVLuxury SUV
PowertrainsGasolineGasoline
HLDI collision (100 = avg)8697
HLDI comprehensive6985
HLDI property damage liability9384
HLDI bodily injury liability8671
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)32

Collision losses are the biggest swing factor: the Audi Q3 has 11 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Cadillac XT5.

XT5 vs Q3 insurance by state

StateXT5Q3Difference
Alabama$1,215$1,270−$55
Alaska$1,230$1,270−$40
Arizona$1,470$1,505−$35
Arkansas$1,225$1,295−$70
California$1,380$1,435−$55
Colorado$1,575$1,640−$65
Connecticut$1,500$1,520−$20
Delaware$1,575$1,580−$5
District of Columbia$1,770$1,830−$60
Florida$2,015$2,005+$10
Georgia$1,745$1,755−$10
Hawaii$970$1,005−$35
Idaho$950$985−$35
Illinois$1,215$1,260−$45
Indiana$995$1,035−$40
Iowa$935$1,000−$65
Kansas$1,105$1,170−$65
Kentucky$1,180$1,210−$30
Louisiana$1,940$1,985−$45
Maine$890$930−$40
Maryland$1,580$1,610−$30
Massachusetts$1,385$1,425−$40
Michigan$1,530$1,580−$50
Minnesota$1,160$1,215−$55
Mississippi$1,330$1,390−$60
Missouri$1,265$1,315−$50
Montana$1,100$1,170−$70
Nebraska$1,105$1,175−$70
Nevada$1,625$1,615+$10
New Hampshire$1,000$1,035−$35
New Jersey$1,700$1,705−$5
New Mexico$1,255$1,300−$45
New York$1,890$1,905−$15
North Carolina$1,040$1,100−$60
North Dakota$880$950−$70
Ohio$1,000$1,040−$40
Oklahoma$1,250$1,315−$65
Oregon$1,265$1,275−$10
Pennsylvania$1,220$1,275−$55
Rhode Island$1,705$1,725−$20
South Carolina$1,500$1,520−$20
South Dakota$1,045$1,135−$90
Tennessee$1,160$1,215−$55
Texas$1,650$1,720−$70
Utah$1,280$1,290−$10
Vermont$905$960−$55
Virginia$1,205$1,240−$35
Washington$1,225$1,240−$15
West Virginia$1,160$1,220−$60
Wisconsin$950$995−$45
Wyoming$1,070$1,160−$90

By driver profile (full coverage)

DriverXT5Q3
Teen driver (18, own policy)$3,860$3,965
Young adult (22)$2,245$2,310
Adult in their 30s$1,405$1,440
Adult in their 50s$1,290$1,325
Senior (72)$1,570$1,615
30s, one at-fault accident$2,035$2,090
30s, DUI on record$2,595$2,670

More comparisons

Frequently asked questions

Is the Cadillac XT5 or the Audi Q3 cheaper to insure?

By our estimate the Cadillac XT5 is cheaper, by about $35 a year for full coverage ($1,405 vs. $1,440) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Cadillac XT5 and Audi Q3?

Mostly because of insurance-loss history: HLDI collision indices of 86 vs. 97 and comprehensive indices of 69 vs. 85 (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.

Sources used on this page