Jerry Summary

Cadillac car insurance costs $309 per month, on average, according to our August 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.

Known for bold styling, powerful engines and a legacy of American luxury, Cadillac has long been a symbol of prestige and innovation. From its iconic tailfin logo, introduced in the mid-20th century, to today’s high-tech Super Cruise and driver-focused interiors, Cadillac continues to evolve while staying true to its luxury roots.

Today’s Cadillac lineup ranges from refined sedans and family-friendly SUVs to high-performance V-Series models and cutting-edge EVs like the LYRIQ. Whether you’re cruising in a CT5 or commanding the road in an Escalade, Cadillac’s blend of comfort, power and technology delivers a premium driving experience. But that reputation can also mean higher-than-average insurance costs.

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 $309 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $139 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 $304 per month. In New York, the monthly average is $855.

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

Factors that affect Cadillac car insurance costs

Your Cadillac insurance premium depends on a range of factors, including your vehicle’s model, trim, age, and body style. Insurers also take into account your driving history, age, ZIP code and coverage level when calculating your rate.

Here are some Cadillac-specific vehicle features that can impact your insurance costs:

• Safety features: Many Cadillac models are equipped with advanced driver-assistance systems, including features like forward collision alert, automatic emergency braking and Super Cruise, which was named a 2025 Motor Trend Best Tech. These technologies can help reduce accidents and qualify you for potential discounts.
• Vehicle value: Luxury models like the Escalade or CT5 come with high MSRPs, which can translate to more expensive insurance premiums due to higher replacement and repair costs.
• Vehicle class: Compact sedans like the ATS or CT4 are typically less costly to insure than full-size SUVs or sports cars and performance trims like the V-Series.
• Performance and engine type: Cadillac’s V-Series models and turbocharged variants come with powerful engines and enhanced performance components. These upgrades often lead to higher premiums due to increased risk factors.
• Parts and repair costs: Cadillac vehicles, particularly newer or high-end models, may require specialized service and OEM parts — raising overall repair costs and, in turn, your insurance rate.
• Technology and infotainment systems: Complex systems like Cadillac’s User Experience (CUE) interface or surround-view camera setups can be expensive to repair or replace, which insurers factor into your premium.
• Depreciation and vehicle age: Newer Cadillacs may cost more to insure due to their higher value while older models might qualify for lower rates, especially if collision or comprehensive coverage is adjusted accordingly.

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.

Lowest-cost Cadillac car insurance

Full coverage

AAAoffers the most affordable full coverage car insurance for Cadillac, with an average rate of $159 per month.

Below are the lowest-cost 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

Mercuryoffers the most affordable minimum coverage auto insurance for Cadillac, with an average rate of $49 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 lowest-cost Cadillac insurance company can vary. Click below to see the most affordable options in your area.

Cadillac Escalade auto insurance costs

The average car insurance cost for a Cadillac Escalade is $303 per month, according to Jerry’s full coverage quote data.

The 2025 Cadillac Escalade is a full-size luxury SUV that blends bold styling with premium comfort and cutting-edge tech. Available in standard and ESV extended-length body styles, the Escalade comes equipped with a powerful V8 engine or available diesel. Features like Super Cruise hands-free driving, a curved OLED display and advanced trailering capabilities make it a fan favorite among drivers who prioritize luxury and space. Higher trims like the Sport Platinum and Escalade-V push performance and comfort even further, while the new IQ and IQL versions offer an all-electric experience.

The starting MSRP for a base Escalade in 2025 is $88,100 while the V-series starts at almost double that, $162,500. As you might expect, insurance costs for the Escalade are also typically higher than average, reflecting its size, high market value and premium features. Extended body styles and performance trims may lead to even higher premium, while factors like location, driving history and the cost of repairs will play a further role in shaping your final rate.

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

Cadillac ATS auto insurance costs

The average car insurance cost for a Cadillac ATS is $325 per month, according to Jerry’s data analysis of full coverage quotes.

The Cadillac ATS was a compact luxury sedan and coupe that offered sharp handling, bold styling, and a sporty driving experience. Introduced in 2013 and discontinued in 2018, the ATS was Cadillac’s answer to rivals from European manufacturers like BMW and Audi. It boasted a range of turbocharged engine options, rear- or all-wheel drive, and performance trims like the ATS-V with a twin-turbo V6.

Though no longer sold new, the ATS remains a well-liked choice in the used luxury car market. Insurance costs can still be on the higher side, especially for performance models or coupes, mostly due to premium features, engine options and repair expenses. If you’re looking for a comparable new car, the new CT4 — a compact sedan with a starting MSRP of $34,995 in 2025 — is Cadillac’s replacement for the ATS.

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 $318 per month, according to an analysis of full coverage quotes to real Jerry customers.

The Cadillac CTS was a midsize luxury sedan — and through 2014, also a coupe — that combined refined styling, strong performance and a driver-focused interior. Produced from 2003 to 2019, the CTS was available in multiple trims, including the high-performance CTS-V. It offered powerful engine options including V6 and V8 variants, along with advanced features like Magnetic Ride Control and Cadillac’s CUE infotainment system.

While the CTS is no longer in production, it remains a popular used luxury vehicle. Insurance costs for the CTS can still be relatively high due to its upscale components, performance capabilities and repair costs. Cadillac didn’t directly replace the CTS, but the CT5 — with a starting MSRP of $47,595 — would likely be the closest replacement.

Here are CTS 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 $276 per month, according to Jerry’s analysis of full coverage quotes.

The Cadillac SRX was a midsize luxury crossover SUV that added upscale features and comfort to family-friendly practicality, making it popular with drivers who wanted a premium SUV in a smaller package. Produced from 2004 to 2016, the SRX evolved from a rear-wheel drive platform to a front-wheel drive layout, prioritizing comfort, tech features and a smooth ride..

Although no longer in production, the SRX remains a common sight on the road — and still carries moderate to high insurance costs depending on the model year and trim. Higher trims with more advanced technology or optional AWD may cost more to insure, while older models may benefit from adjusted coverage as their value depreciates. If you’re looking to buy new, the Cadillac XT5 is the SRX’s replacement, which comes with a starting MSRP of $44,295.

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

Cadillac car insurance shopping tips

If you drive a Cadillac, here are a few ways to help lower your insurance costs:

• Compare quotes carefully: Insurance rates for luxury vehicles like Cadillacs can vary by insurer. Get multiple quotes with the same coverage levels and accurate driver details to get a true apples-to-apples comparison.
• Choose a lower-cost model: Entry-level models like the Cadillac CT5 or XT4 are usually more affordable to insure than higher-end or performance models like the Escalade or CT5-V Blackwing.
• Bundle insurance policies: You may qualify for a discount by bundling your auto and home insurance, renters or other insurance products from the same provider.
• Consider a telematics program: Some insurers offer usage-based insurance and telematics that track your driving habits. If you drive safely or don’t log many miles, these programs can lead to savings.
• Explore loyalty or multi-vehicle discounts: Insuring more than one vehicle, taking driver safety courses or staying with the same insurer for several years may unlock added savings.
• Raise your deductible: Opting for a higher deductible on your collision or comprehensive coverage can lower your monthly premium. Just make sure you can afford to pay that deductible if you need to file a claim.
• Reevaluate coverage on older models: If your Cadillac is several years old and its value has depreciated, consider adjusting your coverage. Dropping full coverage may save money if the cost outweighs the potential payout.
• Ask about discounts for safety features: Many Cadillac models come equipped with features like forward collision alert, blind-spot monitoring and lane keep assist. These may qualify you for certain safety-related discounts with many insurers.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Stephanie Colestock

Stephanie Colestock is a seasoned writer and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.

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