Cadillac Insurance Cost
Across 8 current Cadillac models, full coverage averages about $1,683 a year by our estimate — +6% versus the average vehicle ($1,590).
Cadillac insurance profile
Cadillac is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 5 luxury suvs and 3 luxury cars. HLDI collision losses for its models average 109 (100 = all-vehicle average).
Every Cadillac model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| XT5 | Luxury SUV | 2017–2026 | 86 | $1,405 | −12% |
| CT5 | Luxury car | 2020–2026 | 121 | $1,555 | −2% |
| CT4 | Luxury car | 2020–2026 | 112 | $1,575 | −1% |
| LYRIQ | Luxury SUV | 2023–2027 | 116 | $1,615 | +2% |
| Escalade | Luxury SUV | 2005–2027 | 110 | $1,655 | +4% |
| CELESTIQ | Luxury car | 2025–2026 | — | $1,865 | +17% |
| OPTIQ | Luxury SUV | 2026–2027 | — | $1,895 | +19% |
| VISTIQ | Luxury SUV | 2026–2027 | — | $1,895 | +19% |
Older and discontinued Cadillac models
What makes Cadillac insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 4 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 5 models range from 86 to 121, so the model you pick matters as much as the brand.
- Segment mix: 5 luxury suv, 3 luxury car.
Average Cadillac insurance cost by state
Average full-coverage estimate across current Cadillac models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,103 | −34% |
| North Dakota | $1,147 | −32% |
| Vermont | $1,149 | −32% |
| Idaho | $1,163 | −31% |
| Wisconsin | $1,186 | −30% |
| Hawaii | $1,194 | −29% |
| Iowa | $1,200 | −29% |
| Indiana | $1,226 | −27% |
| New Hampshire | $1,231 | −27% |
| Ohio | $1,234 | −27% |
| North Carolina | $1,315 | −22% |
| South Dakota | $1,375 | −18% |
| Kansas | $1,401 | −17% |
| Wyoming | $1,403 | −17% |
| Montana | $1,404 | −17% |
| Nebraska | $1,404 | −17% |
| Kentucky | $1,424 | −15% |
| Tennessee | $1,444 | −14% |
| Minnesota | $1,448 | −14% |
| Washington | $1,452 | −14% |
| West Virginia | $1,459 | −13% |
| Virginia | $1,466 | −13% |
| Oregon | $1,488 | −12% |
| Illinois | $1,493 | −11% |
| Alaska | $1,501 | −11% |
| Utah | $1,509 | −10% |
| Alabama | $1,510 | −10% |
| Pennsylvania | $1,519 | −10% |
| New Mexico | $1,541 | −8% |
| Arkansas | $1,547 | −8% |
| Missouri | $1,565 | −7% |
| Oklahoma | $1,572 | −7% |
| Mississippi | $1,653 | −2% |
| Massachusetts | $1,681 | 0% |
| California | $1,699 | +1% |
| Arizona | $1,773 | +5% |
| South Carolina | $1,775 | +5% |
| Connecticut | $1,778 | +6% |
| Delaware | $1,837 | +9% |
| Nevada | $1,868 | +11% |
| Michigan | $1,871 | +11% |
| Maryland | $1,892 | +12% |
| Colorado | $1,949 | +16% |
| New Jersey | $1,987 | +18% |
| Rhode Island | $2,015 | +20% |
| Texas | $2,044 | +21% |
| Georgia | $2,046 | +22% |
| District of Columbia | $2,163 | +29% |
| New York | $2,226 | +32% |
| Florida | $2,321 | +38% |
| Louisiana | $2,336 | +39% |
Frequently asked questions
How much does it cost to insure a Cadillac?
Across 8 current Cadillac models, our full-coverage estimate averages $1,683 a year for a driver in their 30s with a clean record, 6% more than the average vehicle ($1,590).
What is the cheapest Cadillac to insure?
The Cadillac XT5 has the lowest estimate at about $1,405 a year for full coverage; the Cadillac VISTIQ is the most expensive at about $1,895.
Are Cadillac repairs expensive for insurers?
HLDI collision-loss data for 5 Cadillac models averages 109 (100 = average of all vehicles), which is worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Cadillac?
By our estimates, Maine is the cheapest state (about $1,103 a year on average across current models) and Louisiana the most expensive (about $2,336).
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.