Over the past year, Jerry has helped 9,420 Cadillac drivers find smarter coverage and meaningful savings. By analyzing real Cadillac insurance policies, we know what owners are actually buying and what you can expect to pay for each level of protection.
Jerry has found that competitive annual prices for Cadillac insurance are typically around:
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$427 for basic coverage.
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$386 for standard coverage.
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$2,453 for premium coverage.
But these prices are just a baseline. Your own rate is influenced by your Cadillac model, location and personal driving history.
On average, Cadillac drivers pay between $2,486 and $5,234 annually for full coverage, with an average premium around $4,370. That’s above the national average of $4,056, reflecting higher repair costs, advanced technology and the luxury materials that define the Cadillac brand.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Cadillac insurance with Jerry.
How much does Cadillac insurance cost?
Insurance rates for Cadillacs aren’t uniform because every driver’s profile is different. Jerry makes it easy to see what Cadillac owners like you are actually paying on the road today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, two Cadillac drivers can pay very different premiums. Jerry compares rates from leading insurers to help you find coverage that fits your lifestyle, driving habits and budget.
What’s the best insurance for a Cadillac?
Owning a Cadillac means driving a vehicle that blends power, technology and craftsmanship. Protecting that investment requires more than the legal minimum: It takes coverage designed for luxury performance.
If you have a loan or lease on your Cadillac, your lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Jerry recommends that Cadillac drivers consider buying at least 100/300/100 liability with collision and comprehensive. While that’s higher than most state minimums, it’s smart protection for vehicles with higher repair and replacement costs.
No matter your insurer, lender or budget, there are several options that can help protect your Cadillac. Here are some of the most popular, what they cover and why Cadillac owners choose them.
Higher liability limits
Cadillacs deliver power and refinement, and at-fault accidents can be expensive. Roughly half (49%) of Jerry Cadillac drivers choose higher-than-minimum liability limits for stronger financial protection.
Full coverage
Protects your Cadillac against theft, weather and at-fault damage. About 38% of Jerry Cadillac drivers carry full coverage with comprehensive and collision, for complete peace of mind.
OEM parts coverage
Keeps your Cadillac performing to factory standards after a claim with certified parts and trained technicians. Typically offered for vehicles three to ten years old.
New car replacement
Replaces your Cadillac with a new model if it’s totaled early on. Even with advanced features and top safety ratings, repairing a Cadillac is expensive — so this coverage can be valuable.
Roadside assistance
Covers towing, lockouts and jump-starts. New Cadillacs get roadside assistance for up to six years, though many drivers extend this coverage for added confidence.
Rental reimbursement
Covers a rental car while your Cadillac is being repaired after a claim. Most insurers offer 30 to 45 days of coverage, depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Cadillac is totaled. About 39% of drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates from jumping after your first at-fault accident. Without it, Cadillac drivers see average increases of about 23% and sometimes more.
See coverage options for your Cadillac.
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Coverage definitions
4 smart ways Cadillac drivers can shop and lower insurance costs
Finding the right Cadillac insurance means balancing protection with value. Premium vehicles deserve premium coverage, but that doesn’t mean you have to overpay.
That’s where knowing some insider strategies can be incredibly valuable. Jerry’s experts work with Cadillac drivers every day to help lower premiums without compromising on quality or coverage. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 35% to 58% among Cadillac drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Use telematics to set rates | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes to find carriers with the best price
Not every insurer gets Cadillac pricing right. Some overestimate repair costs, while others fail to account for the brand’s durability and advanced safety systems. The result is major price gaps for the same coverage, so a policy that’s expensive with one insurer could be a much better deal with another.
Here’s where Cadillac drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Cadillac drivers who switched | Average Jerry savings |
|---|---|---|
| Alpine Rio Basic | 25% | 22% |
| Progressive | 25% | 28% |
| Root | 25% | 56% |
| The General | 25% | 51% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Cadillac drivers can save over half by comparing quotes. Jerry shows live prices in real time, so you can see who’s truly offering the best deal.
Tip 2: Take advantage of discounts
Cadillac owners often qualify for discounts like safe driver rewards, multi-policy bundles or loyalty programs. The catch? Insurers don’t always apply them automatically.
Jerry checks every available option so you don’t leave savings behind.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Align your coverage with other Cadillac drivers
Because Cadillacs carry above-average replacement and repair costs, most owners choose stronger coverage than the minimum required by law.
Minimum
$74 – $172/mo
Offers the legal minimum limits, which vary by state.
Full
$165 – $347/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$208 – $440/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$240 – $504/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Cadillac drivers with newer models choose full coverage and higher limits. Jerry experts recommend at least 100/300/100 for solid protection without overspending.
Tip 4: Enroll in telematics to personalize your rate
Telematics programs track your driving through an app or plug-in device, adjusting rates based on mileage and behavior. For Cadillac owners — who often face higher base premiums — these programs can cut costs by an average of 6%. Savings can be even higher for those who drive less or keep smooth, consistent habits.
Methodology
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Cadillac drivers, real savings
Want to see how much Cadillac owners are saving? Here are real drivers, their vehicles and the deals they found by comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Cadillac insurance rates can be high, but overpaying doesn’t have to be part of the experience. Whether you’re driving an Escalade, XT5 or CT4, Jerry helps you find coverage that matches Cadillac standards: refined, reliable and fairly priced.
Jerry compares top insurers, applies every discount and manages renewals, so your protection stays as elevated as your ride.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, 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, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, 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 SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
