Best Car Insurance for Cadillac 2022

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Car Insurance for Cadillac

On average, Cadillac drivers pay ${annual premium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A ATS Performance costs $1,652 more more per year to insure than a ATS.
As one of GM’s luxury lines, Cadillac specializes in crafting a posh driving experience and is best known for its SUVs like the Escalade.
Cadillacs often come with high purchase prices and take some commitment to maintain. You’ll want to keep your luxury car well-protected with a robust car insurance policy.
Your insurance prices will be based on the model you choose, along with factors unique to you.
Fortunately, the car insurance super app Jerry can help you find the best prices for the coverage you need. In just 45 seconds, Jerry will find you quotes from over 50 top insurance companies, so you know you’re always getting the best price for the coverage you need.
Here are some real quotes from Jerry customers who saved money when insuring their Cadillac.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
June 5, 2021Cadillac Escalade LuxuryLongview, TX7560229Gainsco$100/mo.$68/mo.
March 6, 2021Cadillac CTSSylvania, GA3046738Mercury$137/mo.$70/mo.
June 28, 2021Cadillac StsRincon, GA3132631Gainsco$152/mo.$70/mo.
October 15, 2021Cadillac ATSMelbourne, FL3293531Mercury$167/mo.$110/mo.
June 7, 2021Cadillac CTS Hi Feature V6Port Arthur, TX7764227Progressive$225/mo.$161/mo.
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Insurance for Cadillac models

The first things to consider when it comes to estimating your insurance prices are your car’s age and model.

Insurance for Cadillac based on the year of the car

As exciting as it is to drive a shiny new Cadillac off the dealership lot, keep in mind that the newest cars come with the highest insurance rates.
Opting for a model even a few years old (like a certified pre-owned vehicle) can save you on your insurance premiums. This is because cars are a rapidly depreciating asset.
Edmunds estimates that new cars depreciate 23.5% in the first year alone, and this number increases to 60% over five years.
Additionally, if you’re leasing or financing a newer vehicle, you’ll be required to purchase full-coverage insurance, which is significantly more expensive than paying for your state minimum insurance alone.
According to Jerry’s internal data, the cheapest years for Cadillacs are 1998 and 1995.
The most expensive years for Cadillacs are 2021 and 2016.
Year
Average Cost
Annual Savings with Jerry
2021$3,718$500Compare Prices
2020$3,893$1,241Compare Prices
2019$3,993$1,288Compare Prices
2018$4,322$1,701Compare Prices
2017$3,714$1,422Compare Prices
2016$4,312$1,440Compare Prices
2015$2,912$783Compare Prices
2014$4,263$1,593Compare Prices
2013$3,945$1,357Compare Prices
2012$3,418$1,176Compare Prices
2011$3,114$1,303Compare Prices
2010$2,674$838Compare Prices
2009$2,480$755Compare Prices
2008$3,367$1,189Compare Prices
2007$3,039$893Compare Prices
2006$2,108$610Compare Prices
2005$2,951$969Compare Prices
2004$1,977$508Compare Prices
2003$3,617$1,748Compare Prices
2002$2,295$830Compare Prices
2001$1,835$485Compare Prices
2000$2,067$922Compare Prices
1999$2,156$810Compare Prices
1998$9,420$8,640Compare Prices
1997$2,053$808Compare Prices
1996$3,363$1,136Compare Prices
1995$912$42Compare Prices
1994$1,723$297Compare Prices
1993$1,353$422Compare Prices
1992$1,920$142Compare Prices
Key Takeaway Older Cadillacs typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.
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Insurance for different models of Cadillac

While age plays a part in setting insurance premiums, the car’s model is an even more important factor.
Models with lower purchase prices, higher safety ratings, and lower repair and replacement costs will generally cost less to insure than more expensive models. This sometimes means sedans and crossovers/compact SUVs are cheaper to insure than coupes and large SUVs.
For example, the ATS costs more than the Cadillac average. As a luxury sedan or coupe with great performance, this car is costly to replace if totaled.
On the other hand, the Escalade actually has lower insurance costs than the Cadillac average. Despite its large size, the Escalade does provide a safe ride for its passengers.
If you want to learn more about car insurance costs for some of the most popular Cadillac models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Cadillac

In 48 out of 50 states, it is illegal to drive without minimum amounts of car insurance, so the first step to insuring your vehicle is to make sure you purchase the coverage required by your state. This usually comes in the form of liability insurance.
Many state liability requirements include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Some states also require uninsured or underinsured motorist protection to cover damages if you’re in an accident with an uninsured or underinsured driver. Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a **no-fault state.
Especially if you drive a high-end Cadillac, you should purchase more insurance coverage than what your state requires. If you only have liability insurance, you’ll be left to pay out of pocket for any repairs to your vehicle after an at-fault accident.
Full-coverage insurance is usually a good way to cover your bases. Full coverage typically includes the following:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism
The average annual insurance premium for a Cadillac is $1,611 per year for minimum car insurance and $2,086 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
Here’s what it costs to insure a Cadillac with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Cadillac$2,607$1,671$2,007$1,218$3,057$1,816
Cadillac
All Coverage Before Jerry
$2,607
All Coverage After Jerry
$1,671
Minimum Coverage Before Jerry
$2,007
Minimum Coverage After Jerry
$1,218
Full Coverage Before Jerry
$3,057
Full Coverage After Jerry
$1,816
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Insurance for Cadillacs compared to other makes

It should come as no surprise that luxury car makes cost more than economy-class makes. However, when compared to similar brands, Cadillacs cost slightly less than BMWs and Audis to insure, on average. If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Cadillac

You can look at your car’s make, model, and age to get a rough estimate of how much your car insurance will cost, but how you customize the car and your driving behavior, among other personal factors, play a large role in your exact rates.

Your Cadillac trim

Most car models come in various trims, or versions that include different sets of standard features. Sometimes, you can upgrade to a higher-level trim to boost your engine’s horsepower, go from rear-wheel to four-wheel drive, or get a premium leather interior.
For example, the CT5 comes in Premium Luxury and Sport trims, which will influence your rates by how much they change your car’s value.
Unless moving to a higher trim adds essential safety features like driver assistance technology, you’ll want to seriously consider sticking with a baseline trim if you’re intent on paying the lowest insurance rates.

Your insurance company

There are so many insurance carriers to choose from, and it may seem easiest to stick with your current provider even if you’re switching to a new type of car. However, insurance companies can charge different rates even for the same car, so your best bet is to shop around for quotes from multiple carriers. This is where Jerry, your ultra-talented car insurance broker for life, comes in handy. Jerry gathers quotes from over 50 top insurers and delivers competitive quotes straight to your phone. Just choose the policy you like best and Jerry will help handle the rest, including taking care of the paperwork and helping cancel your existing policy! The best part? The average Jerry user saves $879 a year on car insurance payments. Here’s what Cadillac drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$3,494$1,575Compare Prices
Safeco$3,788$1,479Compare Prices
Nationwide$3,416$1,301Compare Prices
Kemper$3,279$1,251Compare Prices
Dairyland$3,172$1,118Compare Prices
Progressive$3,102$946Compare Prices
National General$3,723$933Compare Prices
State Auto$3,265$689Compare Prices
Travelers$2,879$614Compare Prices
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Your age

While it may seem unfair, one of the biggest determinants of your car insurance rates is something you can’t control—your age.
Younger drivers (typically those below 25) face the highest insurance premiums out of any age group because they are statistically at the highest risk of getting into an accident.

Your driving record

Another major factor used in determining your car insurance premiums is your driving record.
If you have traffic violations, at-fault accidents, or (especially) DUIs or other major offenses on your record, you will find it difficult to obtain anything other than expensive insurance rates.
In time, you may find that your rates decrease if you monitor your driving behavior and take a defensive driving course approved by your state.
Here are some common insurance premiums for Cadillac drivers with previous infractions:
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Where you live

Finally, your area of residence plays an important role in how much your insurance will cost.
In areas where insurers anticipate receiving higher numbers of claims, residents will be charged higher premiums upfront. This includes areas with high numbers of accidents, property crime (vandalism, auto theft) rates, and property damage due to severe weather. According to our data, there is a high percentage of Cadillac drivers in cities including Lynchburg (VA), Paris (TX), Atlanta (GA), Fort Lauderdale (FL) and Watauga (TX). The cheapest car insurance for Cadillac for Jerry users is in Coeur D'Alene (ID) and Thomasville (NC). The most expensive car insurance for Cadillac for Jerry users is in Harper Woods (MI) and Leonardtown (MD).
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Regardless of your age, car, or where you live, you can count on Jerry to find the best savings available to you.
As a licensed broker and top-rated car insurance shopping app, Jerry has everything you need to optimize the costs of car ownership right at your fingertips.
Although Jerry’s quote-gathering power comes from the best in technology, we’re also powered by the best team—if you need advice on coverage to choose or help with any part of the shopping process, just give one of our experienced representatives a call.

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