Compare Cadillac SRX Car Insurance Rates [2024]
Car insurance rates for a Cadillac SRX average $1,510 a year, or around $126 a month. You can find cheap Cadillac SRX insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $887 a year.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key Takeaways:
- Full coverage costs around $1,510 a year or $126 each month
- A liability-only policy costs around $605 a year or $50 each month
- Highest rates are for teenage drivers at around $5,519 a year or $460 each month
- Good drivers can save as much as $623 a year by earning policy discounts
- Cadillac SRX insurance costs around $9 less per year than the average vehicle
The best way to get an idea of how much Cadillac SRX car insurance rates might cost you is by looking at the average amount that people are currently paying.
Based on current drivers, the median Cadillac SRX rates cost $1,342 a year for full coverage or $605 a year for minimum coverage.
We put this helpful guide together so you can see how Cadillac SRX insurance rates are determined in a concise format
You can start comparing quotes for Cadillac SRX car insurance rates from some of the best car insurance companies by using our free online tool now.
Cadillac SRX Insurance Cost
The average Cadillac SRX auto insurance rates are $1,510 a year or $126 a month.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Are Cadillac SRXs Expensive to Insure?
The chart below details how Cadillac SRX insurance rates compare to other crossovers like the Honda CR-V, Toyota C-HR, and Ford EcoSport.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda CR-V | $280 | $408 | $316 | $1,140 |
| Toyota C-HR | $254 | $452 | $258 | $1,074 |
| Ford EcoSport | $280 | $500 | $372 | $1,310 |
| Lincoln MKC | $306 | $596 | $398 | $1,458 |
| Lincoln MKX | $294 | $596 | $398 | $1,446 |
| BMW X6 | $432 | $834 | $398 | $1,822 |
However, there are a few things you can do to find the cheapest Cadillac insurance rates online.
What Impacts the Cost of Cadillac SRX Insurance?
The Cadillac SRX trim and model you choose can impact the total price you will pay for Cadillac SRX insurance coverage.
Age of the Vehicle
The average Cadillac SRX auto insurance rates are higher for newer models. For example, auto insurance for a 2016 Cadillac SRX costs $1,510, while 2010 Cadillac SRX insurance costs are $1,256, a difference of $254.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2016 Cadillac SRX | $310 | $612 | $430 | $1,510 |
| 2015 Cadillac SRX | $292 | $592 | $442 | $1,484 |
| 2014 Cadillac SRX | $282 | $548 | $452 | $1,440 |
| 2013 Cadillac SRX | $270 | $516 | $456 | $1,400 |
| 2012 Cadillac SRX | $258 | $464 | $460 | $1,340 |
| 2011 Cadillac SRX | $242 | $426 | $460 | $1,286 |
| 2010 Cadillac SRX | $234 | $400 | $464 | $1,256 |
Driver Age
Driver age can have a significant effect on the cost of Cadillac SRX car insurance. For example, a 20-year-old driver could pay around $154 more each month for their Cadillac SRX car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Cadillac SRX insurance rates. For example, drivers in Los Angeles may pay $559 a year more than drivers in Philadelphia.
Your Driving Record
Your driving record can have an impact on the cost of Cadillac SRX car insurance. Teens and drivers in their 20’s see the highest jump in their Cadillac SRX car insurance rates with violations on their driving record.
Cadillac SRX Safety Ratings
The Cadillac SRX’s safety ratings will affect your Cadillac SRX car insurance rates. See the chart below:
| Test Type | Rating |
| Moderate overlap front | Good |
|---|---|
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Cadillac SRX Crash Test Ratings
Cadillac SRX crash test ratings will affect your Cadillac SRX car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2016 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Cadillac SRX Safety Features
The safety features of the Cadillac SRX can impact your Cadillac SRX car insurance rates. The Cadillac SRX has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Cadillac SRX Insurance Loss Probability
The lower percentage means lower Cadillac SRX car insurance rates; higher percentages mean higher Cadillac SRX auto insurance rates. Insurance loss probability on the Cadillac SRX fluctuates between each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 3% |
|---|---|
| Property Damage | 1% |
| Comprehensive | -16% |
| Personal Injury | -20% |
| Medical Payment | -18% |
| Bodily Injury | -9% |
| Source: Insurance Institute for Highway Safety | |
Cadillac SRX Finance and Insurance Cost
If you are financing a Cadillac SRX, most lenders will require your carry higher Cadillac SRX coverage options including comprehensive coverage, so be sure to shop around and compare Cadillac SRX car insurance rates from the best companies using our FREE tool below.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Ways to Save on Cadillac SRX Insurance
Save more on your Cadillac SRX car insurance rates. Take a look at the following five strategies that will get you the best Cadillac SRX auto insurance rates possible.
- Audit Your Cadillac SRX Driving When You Move to a New Location or Start a New Job
- Work with a Direct Insurer Instead of an Insurance Broker for Your Cadillac SRX
- Compare Cadillac SRX Quotes Online
- Ask About Student Discounts
- Never Drink and Drive Your Cadillac SRX
Top Cadillac SRX Insurance Companies
Who is the best auto insurance company for Cadillac SRX insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Cadillac SRX auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Cadillac SRX offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Cadillac SRX Insurance Quotes Online
To start comparing Cadillac SRX car insurance quotes for free, use our online car insurance comparison tool.
You can expect to pay just under $1500 annually on car insurance for a Cadillac SRX. It ranks #12 in the luxury midsize SUV category even though it is considered a crossover utility vehicle.
This is according to dozens of test drives and various reviews of the Cadillac SRX, as well as the analysis of its safety and reliability information.
Compare online car insurance quotes with your zip code now!
Many of its reviewers state that the Cadillac SRX is a crossover utility vehicle that is both stylish and smooth riding. It also has plenty of luxuries that will keep buyers delighted and coming back for more.
Buyers do complain, however, that in order to get the top features, you must buy an upgraded luxurious model.
The Cadillac SRX has become a huge success for General Motors, especially since it is the best-selling crossover utility vehicle in the compact luxury class.
Cadillac enthusiasts are no doubt attracted to the styling and detailing, not to mention the long list of available options.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
How much does insurance cost for a Cadillac SRX?
One of the main issues of the SRX is the fact that you have to buy one of the top models in order to get many of the features that you would want.
For example, many buyers have been disappointed with the base engine, saying that it is not powerful enough for the SRX‘s hefty size. The Cadillac SRX is considered large for a small luxury sports utility vehicle.
Many critics say that the body is too heavy for the small base engine to handle, and that this affects acceleration to higher speeds.
Cadillac has utilized the extra space created by the large size to add unique and useful cargo features as well as additional passenger seating.
An optional turbocharged engine is available; however, it greatly increases the price of the SRX while significantly decreasing fuel economy.
An optional turbocharged engine is available; however, it greatly increases the price of the SRX while significantly decreasing fuel economy.
Also, some of its best features such as the rear seat DVD system and the power tailgate aren’t even available on the most basic model. When you add these features the price of the SRX increases significantly.
The average Cadillac SRX insurance cost is $1510 per year, which works out to be over $7500 over a period of five years.
What factors impact my car insurance rates for a Cadillac SRX?
This amount may vary from the average depending on the number of conditions:
- Your credit score – Should your insurance agent or company check your credit score and find it low, you could pay significantly more than the average. Conversely, if your credit score is exceptional, you could find yourself paying less than $1433 per year.
- Miles you drive per week – If you live a mile away from work you’ll end up paying much less than if you commute 50 miles each way.
- Normal traffic pattern – If you are constantly driving on congested highways, for example, your premium could be much higher than if you drive on quiet little city streets.
- Where you live – If you live in a low crime area with a secure location in which to park your vehicle, you will not be paying is much as someone who lives in a high crime area and has to park their vehicle on the street, unsecured.
- Who drives your vehicle – If you are the sole driver of your vehicle, you will spend much less on your insurance premium that if you have more than one driver assigned to drive your vehicle. Young drivers can put insurance rates through the roof.
- How you drive – Your driving record will significantly impact your insurance rates.
The Cadillac SRX is considered a luxury vehicle, therefore, it’s important to consider all of the factors when deciding whether or not it is a car you will be able to afford to insure.
Enter your zip code in our FREE tool below to compare car insurance quotes now!
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What factors influence the insurance rates for a Cadillac SRX?
Several factors can affect the insurance rates for a Cadillac SRX, including:
- Vehicle make and model: The specific make and model of the Cadillac SRX can impact the insurance rates, as some vehicles are more expensive to repair or replace.
- Age of the vehicle: Older vehicles tend to have lower insurance rates compared to newer ones.
- Driver’s age and experience: Younger and inexperienced drivers generally face higher insurance premiums due to their perceived higher risk.
- Location: Insurance rates can vary based on the area where the vehicle is registered, as certain locations may have higher rates of accidents or theft.
- Driving record: A clean driving record with no accidents or traffic violations can help lower insurance rates.
- Coverage options: The chosen coverage options, such as liability, comprehensive, and collision coverage, will affect the insurance rates.
Are Cadillac SRX car insurance rates generally high or low?
The insurance rates for a Cadillac SRX can vary depending on the factors mentioned above. However, generally speaking, Cadillac SRX car insurance rates tend to be slightly higher compared to average insurance rates due to factors like the vehicle’s luxury status and potentially higher repair costs.
How can I find affordable insurance rates for my Cadillac SRX?
To find affordable insurance rates for your Cadillac SRX, consider the following tips:
- Compare quotes: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Improve driving record: Maintain a clean driving record to be eligible for lower insurance rates.
- Opt for higher deductibles: Choosing a higher deductible can lower your insurance premiums, but it means you’ll pay more out of pocket in case of an accident.
- Look for discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in your Cadillac SRX.
- Consider usage-based insurance: Some insurance providers offer usage-based insurance programs that track your driving behavior. If you’re a safe driver, this could result in lower rates.
Does the Cadillac SRX’s engine size affect insurance rates?
Generally, the engine size of a vehicle can impact insurance rates. Vehicles with larger engine sizes may be perceived as having higher performance capabilities, which can increase the risk of accidents and potentially result in higher insurance rates. However, the specific impact on insurance rates for the Cadillac SRX will depend on other factors as well.
Will adding safety features to my Cadillac SRX help reduce insurance rates?
Yes, adding safety features to your Cadillac SRX can potentially help reduce insurance rates. Safety features such as anti-lock brakes, airbags, electronic stability control, lane departure warning, and forward collision warning systems can make the vehicle safer to drive and lower the risk of accidents. Many insurance providers offer discounts for vehicles equipped with these safety features.
Are there any insurance providers that specialize in insuring luxury vehicles like the Cadillac SRX?
Some insurance providers specialize in insuring luxury vehicles, including the Cadillac SRX. These specialized providers may offer tailored coverage options and services specifically designed for luxury vehicles. It’s worth researching and comparing quotes from such providers to see if they can offer competitive rates and suitable coverage for your Cadillac SRX.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.