Jerry Summary

Cadillac car insurance costs $311 per month, on average, according to a July 2025 analysis of full coverage auto insurance quotes for Jerry customers. AAA offers the cheapest coverage at $159 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

Cadillac car insurance premiums can differ greatly. Here are average costs by model, which insurers offer the best value and how to effectively shop for Cadillac coverage.

Average Cadillac car insurance costs

The average cost of full coverage Cadillac car insurance is $311 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $141 per month.

Cadillac car insurance rates vary depending on the model, its age, your driving record and personal factors like your age and location. Typically, higher-priced vehicles cost more to insure, though that’s not always true. That’s why it’s a good idea to compare car insurance quotes from several insurers when considering a Cadillac.

Below, you’ll find average full coverage insurance costs for different Cadillac models, according to Jerry’s analysis.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average cost of Cadillac car insurance, by state

Because each state has its own car insurance laws and risk factors — including crime rates, weather events and uninsured drivers — auto insurance costs vary widely across the country.

For example, full coverage Cadillac auto insurance in Texas costs an average of $305 per month. In New York, the monthly average is $850.

Here’s a look at how full coverage Cadillac insurance costs differ by state.

Factors that affect Cadillac car insurance costs

Your Cadillac insurance costs are heavily influenced by the model you drive. Specifically, insurers consider the following features when determining your rate:

• Safety ratings: Cadillac models with a greater number of safety features and higher safety ratings—like the Cadillac XT6—tend to have lower insurance costs.
• Vehicle value: Your insurance costs increase in proportion to your vehicle’s value. That’s why the CT4 costs less to insure than the CTS or Escalade.
• Vehicle class: Compact sedans and compact SUVs typically cost less to insure than larger sedans or sports cars. The trim level you choose can also have an impact on the price you pay.
• Engine size: Cars that pack a lot of horsepower are considered a greater risk to insurers since there’s an increased likelihood for drivers to speed and get into trouble, not to mention the potential for serious accidents.
• Availability of replacement parts: If you drive a rarer model or highly customized car, replacement parts can become harder to source—which can drive up your insurance costs.
• Cost of repairs: Like many luxury car brands, Cadillacs are slightly more expensive to maintain and repair than other vehicles, which contributes to increased insurance rates.
• Vehicle cost: Premiums tend to be higher for higher-value models.
• Vehicle age: With the exception of some collector models, older versions of Cadillac cars incur lower insurance costs compared to new ones.
• Cost of parts: Less common and customized models have higher replacement and repair costs, making them more expensive for insurance companies to cover.
• Your age: Drivers under 25 usually face higher insurance premiums due to limited experience, while senior drivers above 70 may also encounter increased rates.
• Your driving record and claims history: Drivers with a clean record are often offered lower rates, while those with a history of accidents, tickets, and violations can expect higher premiums.
• Where you keep your car: Insurance costs can be higher for individuals who park in neighborhoods with more elevated rates of property crime, auto theft, and/or weather risk—meaning rates can vary from city to city.

Here are a few specific factors that impact insurance rates for Cadillac vehicles:

• Availability: Replacement parts for many Cadillac cars are expensive, even if you’re using aftermarket or used parts. This is especially true for classic Cadillacs.
• Imports: Cadillacs are primarily manufactured in the U.S., Canada, and China. Models made in other countries need to be shipped in, which can increase costs.
• Trim level: The cost of your Cadillac can vary greatly based on the trim level you select. Base trims cost less to insure than upper-tier trim levels.
• Safety: Cadillac’s high safety ratings are offset by their turbocharged engines and capacity for high speeds.

Best Cadillac car insurance

Every year, Jerry’s editorial team reviews top car insurance providers using key industry metrics like complaint ratios and financial strength.

These are our top best car insurance picks for 2025.

These providers are great for many drivers, but not all operate in every state. Click below to view the top car insurers in your state.

Cheapest Cadillac car insurance

Full coverage

AAA offers the cheapest full coverage car insurance for Cadillac, with an average rate of $159 per month.

Below are the cheapest insurance companies for Cadillac for full coverage, according to Jerry’s data analysis.

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Cadillac, with an average rate of $48 per month.

These insurance companies offer the best rates a Cadillac with minimum coverage, based on Jerry’s quote data.

By state

Because each state has its own rules and minimums, the cheapest Cadillac insurance company can vary. Click below to see the most affordable options in your area.

Cadillac ATS auto insurance costs

The average car insurance cost for a Cadillac Ats is $330 per month, according to Jerry’s data analysis of full coverage quotes.

Here are Ats auto insurance rates from Jerry customers with full coverage policies.

Cadillac CTS auto insurance costs

The average car insurance cost for a Cadillac Cts is $322 per month, according to an analysis of full coverage quotes to real Jerry customers.

Here are Cts auto insurance rates from Jerry customers with full coverage policies.

Cadillac Escalade auto insurance costs

The average car insurance cost for a Cadillac Escalade is $296 per month, according to Jerry’s full coverage quote data.

Here are Escalade auto insurance rates from Jerry customers with full coverage policies.

Cadillac SRX auto insurance costs

The average car insurance cost for a Cadillac Srx is $278 per month, according to Jerry’s analysis of full coverage quotes.

Here are Srx auto insurance rates from Jerry customers with full coverage policies.

Cadillac car insurance shopping tips

Cadillacs come with high price tags and expensive insurance costs—but affordable coverage is out there if you know where to look. Here are some tips to help keep your rates even lower:

• Shop around: The first insurance policy you find may not be the cheapest—that’s why it’s important to shop for quotes from multiple insurance companies to find the best deal. Luckily, that’s exactly what Jerry was designed to help you do. As a licensed insurance broker that’s partnered with over 55+ leading insurance providers, Jerry can narrow down all the best quotes and coverage options for you.
• Bundle your insurance policies: Consider bundling your car insurance with your homeowners or renter’s insurance to receive a discounted rate on both policies.
• Look for discounts: Most companies offer auto insurance discounts to help lower the cost of car insurance—and if you’re eligible for multiple discounts, the combined effect could put a sizable dent in your premium. Ask your agent if there are any unadvertised insurance discounts you may be eligible for, such as discounts for good driving, good students, or low mileage.
• Reduce your coverage: Consider reducing the coverage amount on older or infrequently driven vehicles. This is particularly beneficial if your car’s value is less than ten times the premium you’re currently paying.
• Raise your deductible: Your deductible is the out-of-pocket expense you pay before your collision or comprehensive coverage applies to a claim. Increasing this cost can lower your average monthly bill.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.