Estimates, not quotes

Cadillac XT5 Insurance Cost in Tennessee

Insuring a Cadillac XT5 in Tennessee costs about $1,160 a year ($97/month) for full coverage by our estimate — −17% versus the same car nationally — the 18th cheapest of 51 states for this model.

Cadillac XT5 (photo from Wikimedia Commons)
Photo: JustAnotherCarDesigner, CC0 1.0
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

Cadillac XT5 insurance in Tennessee at a glance

Full coverage
$1,160
$950–$1,370
25/50/25 minimum
$410
$34/mo
Same car nationally
$1,405
full coverage
Avg. car in TN
$1,325
−12% for the XT5

The Cadillac XT5 is 12% cheaper than the average vehicle to insure in Tennessee, reflecting HLDI collision losses of 86 and comprehensive losses of 69 (100 = average). Tennessee's own base rates are 18% lower than the national average, which carries through to every model.

Tennessee factors that affect XT5 premiums

  • Uninsured drivers: 21.3% of Tennessee drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your XT5.
  • Theft: 226 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Tennessee's expected annual losses as relatively low 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: 1.52 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Tennessee →

Cadillac XT5 insurance cost in Tennessee cities

CityFull coverageMinimumvs. state
Nashville$1,240$435+7%
Memphis$1,215$430+5%
Knoxville$1,205$425+4%
Chattanooga$1,165$4100%
Clarksville$1,275$450+10%
Murfreesboro$1,295$460+12%
Franklin$1,240$440+7%
Johnson City$1,170$415+1%
Jackson$1,145$405−1%
Kingsport$1,145$405−1%

Cadillac XT5 insurance in Tennessee by driver

Estimated annual Cadillac XT5 premium in Tennessee
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,130 $1,640 $3,195 $266
Young adult (22) $655 $955 $1,860 $155
Adult in their 30s $410 $595 $1,160 $97
Adult in their 50s $380 $550 $1,070 $89
Senior (72) $460 $665 $1,300 $108
30s, one at-fault accident $595 $865 $1,685 $140
30s, DUI on record $760 $1,100 $2,150 $179

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $410 $34 $335–$485
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $595 $50 $490–$705
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,160 $97 $950–$1,370

Tennessee minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Tennessee

ModelFull coverage in TNvs. XT5
BMW X3$1,340+16%
BMW X1$1,305+13%
Acura RDX$1,050−9%
Audi Q3$1,215+5%

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Cadillac XT5 insurance cost in every state · All Cadillac models

Frequently asked questions

How much is Cadillac XT5 insurance in Tennessee?

About $1,160 a year ($97 a month) for full coverage and $410 for Tennessee's minimum liability, for a driver in their 30s with a clean record. That is 17% less than the national estimate for the same car.

Is the Cadillac XT5 cheaper to insure than the average car in Tennessee?

The average vehicle in Tennessee is about $1,325 a year for full coverage in our model, so the Cadillac XT5 is 12% cheaper than average.

Where in Tennessee is Cadillac XT5 insurance cheapest?

Among the largest Tennessee cities, Jackson has the lowest estimate (about $1,145) and Murfreesboro the highest (about $1,295).

What insurance do I need for a Cadillac XT5 in Tennessee?

Tennessee 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.

Sources used on this page