Cadillac XT5 Insurance Cost in Missouri
Insuring a Cadillac XT5 in Missouri costs about $1,265 a year ($105/month) for full coverage by our estimate — −10% versus the same car nationally — the 22nd most expensive of 51 states for this model.
Cadillac XT5 insurance in Missouri at a glance
The Cadillac XT5 is 13% cheaper than the average vehicle to insure in Missouri, reflecting HLDI collision losses of 86 and comprehensive losses of 69 (100 = average). Missouri's own base rates are 10% lower than the national average, which carries through to every model.
Missouri factors that affect XT5 premiums
- Uninsured drivers: 20.7% of Missouri drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your XT5.
- Theft: 293 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Missouri's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively moderate for inland (river) flooding, relatively high for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 1.17 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
Cadillac XT5 insurance cost in Missouri cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Kansas City | $1,350 | $500 | +7% |
| St. Louis | $1,435 | $530 | +13% |
| Springfield | $1,320 | $485 | +4% |
| Columbia | $1,295 | $480 | +2% |
| Independence | $1,375 | $505 | +9% |
| Lee's Summit | $1,395 | $515 | +10% |
| O'Fallon | $1,450 | $535 | +15% |
| St. Charles | $1,395 | $515 | +10% |
Cadillac XT5 insurance in Missouri by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,280 | $1,855 | $3,475 | $290 |
| Young adult (22) | $745 | $1,080 | $2,020 | $168 |
| Adult in their 30s | $465 | $675 | $1,265 | $105 |
| Adult in their 50s | $430 | $620 | $1,160 | $97 |
| Senior (72) | $520 | $755 | $1,415 | $118 |
| 30s, one at-fault accident | $675 | $980 | $1,830 | $153 |
| 30s, DUI on record | $860 | $1,250 | $2,335 | $195 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $465 | $39 | $380–$550 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $675 | $56 | $555–$795 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,265 | $105 | $1,035–$1,490 |
Missouri minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
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Frequently asked questions
How much is Cadillac XT5 insurance in Missouri?
About $1,265 a year ($105 a month) for full coverage and $465 for Missouri's minimum liability, for a driver in their 30s with a clean record. That is 10% less than the national estimate for the same car.
Is the Cadillac XT5 cheaper to insure than the average car in Missouri?
The average vehicle in Missouri is about $1,450 a year for full coverage in our model, so the Cadillac XT5 is 13% cheaper than average.
Where in Missouri is Cadillac XT5 insurance cheapest?
Among the largest Missouri cities, Columbia has the lowest estimate (about $1,295) and O'Fallon the highest (about $1,450).
What insurance do I need for a Cadillac XT5 in Missouri?
Missouri requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Missouri Department of Revenue: Insurance Information
- RSMo 379.203 (uninsured motorist coverage)
- RSMo 303.190 (motor vehicle liability policy limits)
- Missouri Department of Revenue: Mandatory Insurance FAQs (SR-22)
- Missouri DCI: Consumer Guide to Automobile Insurance
- Missouri DCI: Insurance Complaints
- NAIC 2022/2023 Auto Insurance Database Report, Table 41 (liability limits history)
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- IIHS-HLDI insurance losses by make and model
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey