Cadillac Car Insurance Cost (2026)

Cadillac car insurance averages $209 per month for full coverage and $107 per month for minimum coverage. The brand average is pulled upward by V-Series and high-performance models. Drivers of mainstream Cadillac SUVs like the Escalade, XT5 and XT6 will often pay less than the headline figure. Before choosing a coverage level, consider how much car insurance you need to set the right limits for your situation.

Full coverage adds comprehensive and collision protection on top of liability. For a high-value brand like Cadillac, that protection is typically worth the cost. If cost is your primary concern, look for the cheapest full coverage car insurance to find the best rate without sacrificing protection.

Cadillac ranks 33rd out of 59 makes for insurance cost, placing it mid-market, just above Fisker at $151 per month and just below Audi at $160 per month. For a brand that competes directly with BMW and Mercedes, this positions Cadillac insurance costs slightly below its European luxury rivals. The table below shows where Cadillac sits relative to its nearest neighbors in the affordability rankings.

The Cadillac brand average is distorted by V-Series models and the Celestiq. The CTS-V ($538 per month), CT5-V ($482 per month), and Celestiq ($865 per month) pull the brand figure well above what most Cadillac buyers will actually pay. Drivers of Escalades, XT5s, and CT5s typically land well below the brand average of $209 per month. Two structural factors keep mainstream Cadillac rates in check: Cadillac's parts supply chain shares platforms with GM's broader ecosystem (Escalade components overlap with the Silverado and Suburban, keeping claim costs lower than equivalent European luxury SUVs), and Cadillac's SUV driver demographic skews older and lower-mileage, which actuarially reduces average claim frequency. For a broader look at insurer options, see the best car insurance companies.

GEICO is the cheapest insurer for Cadillac owners at $205 per month for full coverage, while Travelers comes in second at $210 per month, a $5 per month difference that makes either a strong starting point for most buyers. The spread across all insurers is substantial: AIG charges $466 per month for full coverage on the same vehicle, a $261 per month gap that makes shopping among cheapest car insurance companies the single most impactful step a Cadillac owner can take.

These rates are averages across all Cadillac models, so V-Series and Celestiq owners will see much higher quotes with every insurer on this list. The table below covers 15 insurers from cheapest to most expensive for both minimum and full coverage. Use it as a starting point, then get direct quotes for your specific model and year.

Cadillac's lineup has one of the widest internal cost spreads of any mainstream brand. Full coverage ranges from $119 per month for the Seville to $865 per month for the Celestiq. V-Series performance variants sit in a completely different insurance tier from the standard lineup, and even within the same nameplate, model year can shift costs by $100 per month or more. The table below shows average costs for every current and discontinued Cadillac model.

The Seville is the most affordable Cadillac to insure at $119 per month for full coverage. The 2004 model year is the cheapest at $111 per month, while the 2003 is the most expensive at $128 per month. The Seville was discontinued in 2004, and all available years represent older vehicles whose lower market values keep premiums modest across the board.

The DTS averages $127 per month for full coverage. The 2007 model year is the cheapest at $95 per month, while the 2011 is the most expensive at $156 per month. The DTS was discontinued in 2011, and the rate climb toward the end of production reflects higher market values on later model years relative to the early 2000s base.

The DeVille averages $128 per month for full coverage, with the 2000 as the cheapest year at $109 per month and the 2005 as the most expensive at $147 per month. All available model years run from 2000 to 2005, reflecting a discontinued model where low market values limit insurer exposure regardless of the year selected.

The SRX averages $180 per month for full coverage. The 2010 model year is the cheapest at $107 per month, while the 2008 is the most expensive at $223 per month. The rate spike in 2007 and 2008 ($202 and $223 per month) relative to surrounding years is worth noting for buyers, as both sit well above the model's average and should factor into year selection.

The XT4 averages $184 per month for full coverage. The 2022 is the cheapest year at $132 per month, while the 2021 is the most expensive at $244 per month, an unusual pattern where a newer year is cheaper than an older one. The 2022 and 2023 model years are the most cost-effective choices for buyers selecting between recent XT4 models.

The XLR is a discontinued roadster that averages $186 per month for full coverage. The 2005 is the cheapest year at $163 per month, while the 2007 is the most expensive at $196 per month. Rates are relatively stable across the XLR's six model years, which is typical for older discontinued vehicles where market values have largely stabilized.

The CTS averages $187 per month for full coverage across the model years shown below. The 2015 is the cheapest at $140 per month, while the 2019 is the most expensive at $243 per month. The 2019 rate spike is notable: CTS production ended in 2019, and final model-year vehicles often see higher insurer valuations due to limited remaining supply.

The Optiq is a new EV model with only 2025 data available at $192 per month for full coverage, placing it near the brand midpoint at launch. As with all new EV models, rates are subject to revision as real-world claims data accumulates. Optiq owners should re-quote annually in the first few years of ownership.

The Escalade EXT averages $192 per month for full coverage. The 2009 is the cheapest year at $151 per month, while the 2004 is the most expensive at $292 per month, a substantial outlier. Buyers considering a used Escalade EXT should check the specific model year before purchasing, since the 2004's rate is nearly double what most years in this range cost.

The XT6 averages $201 per month for full coverage across six model years, with the 2025 as the cheapest at $189 per month and the 2024 as the most expensive at $213 per month, a tight spread that makes any model year a reasonable choice from a cost perspective. Rates are stable across all available years.

The ATS averages $203 per month for full coverage. The 2017 is the cheapest year at $148 per month, while the 2015 is the most expensive at $251 per month. The 2015 rate anomaly ($251 per month) against neighboring years ($183 to $209 per month) is worth noting. Buyers targeting used ATS inventory should factor this into year selection.

The Escalade ESV averages $205 per month for full coverage. The 2020 is the cheapest year at $105 per month, while the 2025 is the most expensive at $329 per month. The 2025 full-size extended SUV replacement cost is substantial. Buyers choosing between a new Escalade ESV and a 2021 model ($180 per month) should factor the $149 per month insurance gap into their total cost calculation. For a deeper model breakdown, see Cadillac Escalade insurance.

The Escalade averages $206 per month for full coverage across 25 model years of data. The 2020 is the cheapest year at $116 per month, while the 2025 is the most expensive at $322 per month. The 2025 Escalade's insurance cost reflects both its high replacement value and strong theft rates among full-size luxury SUVs, a factor that raises comprehensive coverage pricing. Readers who want model-level insurer comparisons can find them at Cadillac Escalade insurance.

The XTS averages $207 per month for full coverage. The 2017 is the cheapest year at $151 per month, while the 2015 is the most expensive at $260 per month. The 2015 rate ($260 per month) stands out against the 2016 ($209 per month) and 2014 ($236 per month). Buyers targeting used XTS inventory should check the 2017 or 2018 years for the best insurance value.

The ELR is a discontinued plug-in hybrid coupe with only two model years available. The 2014 costs $217 per month for full coverage and the 2016 costs $200 per month. With only two data points, there is limited year-to-year insight. Buyers should quote both years directly and note that ELR parts availability has contracted since GM ended production, which can affect claim costs.

The XT5 averages $211 per month for full coverage. The 2018 is the cheapest year at $171 per month, while the 2023 is the most expensive at $278 per month. The 2021 to 2023 years ($245 to $278 per month) are notably above older XT5 years ($171 to $212 per month), reflecting higher replacement costs on recent models equipped with more advanced driver assistance sensors.

The LYRIQ is Cadillac's flagship electric SUV with three years of data available. Full coverage ranges from $209 per month (2023) to $215 per month (2025), an unusually tight spread that indicates actuarial data is stabilizing quickly for this model. Rates are consistent across all three years, making any available year a predictable insurance cost.

The CT6 averages $215 per month for full coverage across five model years. The 2016 is the cheapest at $204 per month, while the 2020 is the most expensive at $274 per month. The CT6 was discontinued in 2020, and the final year's rate reflects higher replacement costs on a vehicle that is no longer in production and has a contracting parts supply.

The CT5 averages $231 per month for full coverage. The 2023 is the cheapest year at $187 per month, while the 2024 is the most expensive at $277 per month. The 2025 and 2024 years ($251 and $277 per month) are considerably higher than the 2023 ($187 per month) and 2020 ($209 per month). Buyers who can accept a 2022 or 2023 model will find better insurance rates.

The CT4 averages $238 per month for full coverage. The 2025 is the cheapest year at $219 per month, while the 2022 is the most expensive at $285 per month. The 2022's elevated rate relative to the 2021 ($236 per month) and 2023 ($215 per month) is a year-specific anomaly buyers should check before purchasing. The 2025 model offers the best insurance value in the current CT4 lineup.

The STS averages $244 per month for full coverage, with a sharp anomaly in 2006 and 2007: rates of $321 and $341 per month, more than double the 2011 rate of $161 per month. Buyers targeting older STS inventory should avoid the 2006 and 2007 years. The 2011 model year offers the best insurance value at $161 per month.

The Visitiq is a new EV model with only one year of 2026 data available at $253 per month for full coverage. As a first-generation vehicle with no claims history to draw on, this rate is subject to revision. EV owners of new models should re-quote annually until actuarial data stabilizes.

The LYRIQ-V is the performance variant of Cadillac's electric SUV with one year of 2026 data at $287 per month for full coverage, $74 per month more than the standard LYRIQ's 2025 rate of $213 per month. V-Series variants consistently price well above their standard counterparts across the Cadillac lineup, and the LYRIQ-V follows that pattern even in its first model year.

The ATS-V averages $301 per month for full coverage, nearly 44% above the Cadillac brand average of $209 per month. The 2016 is the cheapest year at $238 per month, while the 2019 is the most expensive at $359 per month. V-Series models carry twin-turbocharged engines and track-focused suspensions, which insurers treat as high-performance risk regardless of how the vehicle is actually driven.

The CT6-V averages $341 per month for full coverage across two available model years. The 2020 costs $354 per month and the 2019 costs $328 per month. With only two years of data and a discontinued model line, buyers should quote directly for their specific year. The CT6-V's supercharged V8 places it firmly in the high-performance tier regardless of the modest year-to-year variation.

The Escalade IQ is Cadillac's flagship electric SUV with two years of data. The 2025 costs $325 per month for full coverage and the 2026 costs $404 per month, a steep $79 per month increase year over year that is unusual for a model with so little history. Buyers should quote both years directly before assuming the lower 2025 rate will apply to a new purchase.

The CT4-V has only one year of 2025 data available at $374 per month for full coverage, $89 per month more than the standard CT4's most expensive year ($285 per month for the 2022 model). This positions the CT4-V squarely in Cadillac's high-performance insurance tier. With no multi-year trend to reference, owners should re-quote annually as more data becomes available.

The CT5-V costs $482 per month for full coverage, the second most expensive Cadillac model behind the Celestiq. Only 2025 data is available. At nearly double the standard CT5's 2025 rate of $251 per month, the CT5-V's supercharged V8 and track package options create a dramatically different risk profile than the base sedan. Buyers should factor this gap explicitly into the total cost of ownership.

The CTS-V averages $538 per month for full coverage, the most expensive standard-lineup Cadillac. The 2016 is the cheapest year at $476 per month, while the 2019 is the most expensive at $597 per month. Even the CTS-V's cheapest year ($476 per month) remains well below the Celestiq average of $865 per month, making the Celestiq the pricier model overall. Driver age affects CTS-V premiums particularly sharply. See average car insurance rates by age and gender for detail on how that variable compounds the model's already elevated base rate.

The Celestiq costs $865 per month for full coverage, by far the most expensive Cadillac model. Only 2025 data is available. The Celestiq is a hand-built ultra-luxury EV with a starting price above $340,000, produced in extremely limited numbers. Insurers treat it similarly to hypercar models rather than a conventional Cadillac. Even Progressive, one of the more affordable Cadillac insurers, will quote the Celestiq well above the brand average.