Best Cadillac SRX Car Insurance in 2024 (Compare the Top 10 Companies)
Geico, USAA, and Allstate offer the best Cadillac SRX car insurance with rates at $68/month. These top providers excel in delivering competitive rates, comprehensive coverage options, and reliable customer service, making them the best choices for Cadillac SRX owners seeking affordable and dependable insurance.
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UPDATED: Aug 27, 2024
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UPDATED: Aug 27, 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.
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19,116 reviewsCompany Facts
Full Coverage for Cadillac SRX
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
6,435 reviewsCompany Facts
Full Coverage for Cadillac SRX
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
11,413 reviewsCompany Facts
Full Coverage for Cadillac SRX
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
The article compares these providers based on affordability, customer satisfaction, and coverage flexibility, helping you find the most reliable and cost-effective insurance for your Cadillac SRX. Explore our guide titled “How do customer satisfaction ratings affect car insurance companies?”
Our Top 10 Company Picks: Best Cadillac SRX Car Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | A++ | Competitive Rates | Geico |
 | #2 | 10% | A++ | Customer Service | USAA |
 | #3 | 12% | A+ | Comprehensive Coverage | Allstate |
 | #5 | 12% | A | Flexible Coverage | Liberty Mutual |
 | #5 | 10% | A+ | Savings Programs | Progressive |
 | #6 | 20% | A+ | Reliable Coverage | Nationwide |
 | #7 | 8% | A++ | IntelliDrive Program | Travelers |
 | #8 | 15% | A+ | Customer Satisfaction | Amica |
 | #9 | 17% | B | Personalized Support | State Farm |
 | #10 | 10% | A+ | Local Agents | Farmers |
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.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool above to see affordable car insurance quotes.
- The best Cadillac SRX auto insurance is provided by Geico with $68/month
- Cadillac SRX-specific coverage options are designed to meet your needs
- Available discounts for Cadillac SRX safety features to less overall insurance costs
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#1 – Geico: Top Overall Pick
Pros
- Reasonably priced: Geico has very attractive prices for the Cadillac SRX with basic coverage, starting from just $72 per month.
- Discounts for Safety Features: Geico car insurance review provides additional discounts for Cadillac SRX owners who have vehicles equipped with advanced safety features.
- Strong Financial Rating: With an A++ rating from A.M. Best, Geico ensures reliability and stability for Cadillac SRX policyholders.
Cons
- Minimal Local Agents: Cadillac SRX owners who prefer in-person support may find Geico’s online services to be a disadvantage as they largely focus on online services.
- Few Customization Options: While Geico offers competitive rates, customization of coverage options for Cadillac SRX may be limited compared to other providers.
#2 – USAA: Best for Customer Service
Pros
- Exceptional Customer Service: USAA is known for its top-tier customer service, especially for Cadillac SRX owners needing comprehensive support.
- Military Discounts: USAA offers exclusive discounts to military personnel and their families, making it a cost-effective choice for eligible Cadillac SRX owners.
- Low Monthly Rates: USAA car insurance review provides Cadillac SRX insurance at competitive rates starting at $68 per month for minimum coverage.
Cons
- Restricted Availability: USAA is only available to military members, veterans, and their families, limiting access for non-military Cadillac SRX owners.
- Fewer Discounts: While USAA excels in customer service, the number of available discounts for Cadillac SRX insurance may be lower than competitors.
#3 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Allstate car insurance review emphasizes in providing extensive coverage options tailored to Cadillac SRX owners, including accident forgiveness.
- Drivewise Program: Allstate’s Drivewise program offers discounts based on safe driving behaviors, helping Cadillac SRX owners save on their premiums.
- Local Agents: Allstate’s network of local agents provides personalized support for Cadillac SRX owners, ensuring tailored insurance solutions.
Cons
- Higher Premiums: Allstate’s comprehensive coverage for Cadillac SRX may come with higher premiums, potentially affecting budget-conscious drivers.
- Limited Online Services: Cadillac SRX owners seeking robust online management tools might find Allstate’s digital offerings less comprehensive compared to competitors.
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#4 – Liberty Mutual: Best for Flexible Coverage
Pros
- Customizable Policies: Liberty Mutual allows Cadillac SRX owners to tailor their coverage to meet specific needs, including optional add-ons like gap insurance.
- New Car Replacement: Cadillac SRX owners can benefit from Liberty Mutual’s new car replacement feature if their vehicle is totaled within the first year.
- Competitive Rates: Liberty Mutual car insurance review provides Cadillac SRX insurance at approximately $74 per month for minimum coverage.
Cons
- Mixed Customer Reviews: Some Cadillac SRX owners report variability in claims handling, which could impact overall satisfaction.
- Discount Restrictions: Liberty Mutual’s discounts for Cadillac SRX insurance may be subject to certain eligibility requirements, limiting savings potential for some drivers.
#5 – Progressive: Best for Savings Programs
Pros
- Snapshot Program: Progressive’s Snapshot program rewards Cadillac SRX owners with discounts for safe driving habits, providing potential savings on insurance rates.
- Competitive Rates: Progressive offers Cadillac SRX insurance at an affordable $70 per month for minimum coverage, making it a budget-friendly choice.
- Flexible Payment Options: Progressive car insurance review provides Cadillac SRX owners with various payment plan options, enhancing affordability and convenience.
Cons
- Rate Increases: Some Cadillac SRX owners may experience rate increases after the initial policy term, especially if there are changes in driving behavior or claims history.
- Limited Customer Support: Progressive’s customer support for Cadillac SRX insurance may be less personalized compared to insurers with local agents.
#6 – Nationwide: Best for Reliable Coverage
Pros
- Vanishing Deductible: Cadillac SRX owners can benefit from Nationwide’s vanishing deductible program, which rewards safe driving by reducing the deductible over time.
- On Your Side Review: Nationwide’s annual review process helps Cadillac SRX owners optimize their coverage and ensure they’re receiving the best rates available.
- Competitive Discounts: Nationwide car insurance discounts offers Cadillac SRX insurance at $72 per month for minimum coverage, with up to 20% multi-policy discounts.
Cons
- Limited Online Tools: Cadillac SRX owners seeking extensive online management options might find Nationwide’s digital offerings somewhat limited.
- Higher Premiums for Younger Drivers: Cadillac SRX owners under 25 may face higher premiums, potentially impacting affordability for younger drivers.
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#7 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Cadillac SRX owners can take advantage of Travelers’ IntelliDrive program, which monitors driving habits and offers discounts for safe behavior.
- Strong Financial Stability: With an A++ rating from A.M. Best, Travelers car insurance review provides Cadillac SRX owners with reliable and secure insurance options.
- Affordable Rates: Travelers offers Cadillac SRX insurance starting at $71 per month for minimum coverage, making it a competitive option.
Cons
- Strict Program Requirements: Cadillac SRX owners participating in the IntelliDrive program must meet specific driving standards to qualify for discounts, which may be challenging for some drivers.
- Limited Coverage Options: While Travelers offers competitive rates, the range of coverage options for Cadillac SRX may be more limited compared to other insurers.
#8 – Amica: Best for Customer Satisfaction
Pros
- Top-Rated Customer Service: Amica is renowned for its exceptional customer service, making it a preferred choice for Cadillac SRX owners seeking personalized support.
- Dividend Policies: Cadillac SRX owners can benefit from Amica’s dividend policies, which return a portion of the premium at the end of the policy term.
- Competitive Rates: Amica offers Cadillac SRX insurance at around $69 per month for minimum coverage, providing good value for money. Read up on our relevant guide “How do you get an amica mutual car insurance quote online?“
Cons
- Limited Availability: Amica’s insurance products for Cadillac SRX may not be available in all states, limiting access for some drivers.
- Higher Premiums for High-Risk Drivers: Cadillac SRX owners with a less-than-perfect driving record might find Amica’s premiums higher than other options.
#9 – State Farm: Best for Personalized Support
Pros
- Local Agents: State Farm offers Cadillac SRX owners access to a large network of local agents, providing personalized support and tailored coverage options.
- Discounts for Bundling: State Farm car insurance review emphasizes that the Cadillac SRX owners can save significantly by bundling their auto insurance with other policies like home or life insurance.
- Affordable Rates: State Farm offers Cadillac SRX insurance starting at $74 per month for minimum coverage, making it a viable option for budget-conscious drivers.
Cons
- Mixed Reviews on Claims Handling: Some Cadillac SRX owners report variability in the claims process, which could impact overall satisfaction with State Farm.
- Limited Online Services: Cadillac SRX owners seeking extensive online account management may find State Farm’s digital tools less robust compared to other providers.
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#10 – Farmers: Best for Local Agents
Pros
- Local Agent Expertise: Farmers car insurance review provides Cadillac SRX owners with access to knowledgeable local agents who can offer personalized insurance advice and support.
- Extensive Coverage Options: Cadillac SRX owners can choose from a wide range of coverage options, including specialized add-ons like rideshare coverage.
- Competitive Rates: Farmers offers Cadillac SRX insurance at approximately $76 per month for minimum coverage, ensuring competitive pricing.
Cons
- Higher Premiums for Comprehensive Coverage: Cadillac SRX owners seeking full coverage may find Farmers’ premiums higher compared to other insurers.
- Fewer Discount Opportunities: While Farmers provides various coverage options, the number of available discounts for Cadillac SRX insurance may be fewer than other providers.
Understanding the Insurance Costs for a Cadillac SRX
When examining monthly car insurance rates for a Cadillac SRX, it becomes clear that costs can vary depending on both the level of coverage and the insurance provider chosen. Here’s a breakdown of what you might expect:
For minimum coverage, the monthly premiums range from $68 with USAA to $76 with Farmers, showing a relatively narrow variation among providers. Allstate and Liberty Mutual are close to the higher end, charging $75 and $74 per month, respectively, while Amica offers one of the more affordable options at $69.
Cadillac SRX Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $75 | $175 |
| Amica | $69 | $155 |
| Farmers | $76 | $175 |
| Geico | $72 | $165 |
| Liberty Mutual | $74 | $170 |
| Nationwide | $72 | $165 |
| Progressive | $70 | $160 |
| State Farm | $74 | $170 |
| Travelers | $71 | $160 |
| USAA | $68 | $155 |
In contrast, full coverage rates are naturally higher, with premiums ranging from $155 with USAA and Amica to $175 with both Allstate and Farmers. The middle ground sees companies like Geico and Nationwide offering full coverage at $165 per month, with Liberty Mutual and State Farm slightly higher at $170.
Cadillac SRX Car Insurance Monthly Rates by Coverage Type
| Category | Rates |
|---|---|
| Average Rate | $126 |
| Discount Rate | $74 |
| High Deductibles | $109 |
| High Risk Driver | $268 |
| Low Deductibles | $158 |
| Teen Driver | $460 |
Choosing the right provider and coverage level can significantly impact your monthly insurance costs for a Cadillac SRX, making it essential to compare options thoroughly before making a decision. Uncover our comprehensive guide “Amica vs. Nationwide Car Insurance Comparison.”
Delving into the High Cost of Insuring a Cadillac SRX
Cadillac SRX Car Insurance Monthly Rates vs. Similar Vehicles by Coverage Type
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Cadillac SRX | $20 | $39 | $38 | $111 |
| Honda CR-V | $23 | $34 | $26 | $95 |
| Toyota C-HR | $21 | $38 | $22 | $90 |
| Ford EcoSport | $23 | $42 | $31 | $109 |
| Lincoln MKC | $26 | $50 | $33 | $122 |
| Lincoln MKX | $25 | $50 | $33 | $121 |
| BMW X6 | $36 | $70 | $33 | $152 |
Collision coverage for the SRX is $39 per month, placing it in the mid-range; it’s more affordable than the Lincoln MKX and MKC, both at $50, but slightly higher than the Honda CR-V, which costs $34. In terms of minimum coverage, the SRX costs $38 monthly, higher than the Toyota C-HR and Honda CR-V, which are $22 and $26 respectively, yet similar to premium brands like BMW X6 at $33.
For full coverage, the Cadillac SRX stands at $111 per month, which is moderately priced compared to the range of vehicles considered, being more expensive than the Toyota C-HR at $90, but less than the BMW X6 at $152.
Overall, the Cadillac SRX offers a balance between affordability and coverage, especially when compared to both standard and luxury competitors.
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Uncovering the Factors Influencing Cadillac SRX Insurance Expenses
When determining the cost of insurance for a Cadillac SRX, several factors come into play, one of the most significant being the specific trim and model of the vehicle you select. The choice of trim and model can influence the overall insurance premium due to variations in features, safety ratings, and repair costs associated with each version.
High-end models with advanced features or higher market values might lead to increased insurance rates, as they are more expensive to repair or replace. Conversely, selecting a base model could result in lower insurance costs, as these versions typically have fewer features that could be costly to repair.
Thus, your decision on the Cadillac SRX trim and model directly affects the insurance premiums you will need to pay. Delve into our guide titled “What factors affect your car insurance quote?”
Age of the Vehicle
Cadillac SRX Car Insurance Monthly Rates by Model Year & Coverage Type
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 2024 Cadillac SRX | $29 | $56 | $40 | $132 |
| 2023 Cadillac SRX | $28 | $55 | $39 | $131 |
| 2022 Cadillac SRX | $28 | $54 | $39 | $130 |
| 2021 Cadillac SRX | $27 | $53 | $38 | $129 |
| 2020 Cadillac SRX | $27 | $53 | $38 | $128 |
| 2019 Cadillac SRX | $26 | $52 | $38 | $128 |
| 2018 Cadillac SRX | $26 | $51 | $36 | $126 |
| 2017 Cadillac SRX | $25 | $50 | $35 | $125 |
| 2016 Cadillac SRX | $25 | $49 | $35 | $124 |
| 2015 Cadillac SRX | $24 | $49 | $37 | $124 |
| 2014 Cadillac SRX | $24 | $46 | $38 | $120 |
| 2013 Cadillac SRX | $23 | $43 | $38 | $117 |
| 2012 Cadillac SRX | $22 | $39 | $38 | $112 |
| 2011 Cadillac SRX | $20 | $36 | $38 | $107 |
| 2010 Cadillac SRX | $20 | $33 | $39 | $105 |
This trend is consistent across comprehensive, collision, and minimum coverage options, with the newest models generally being more expensive to insure. As the vehicle ages, the premiums for both comprehensive and collision coverage tend to decrease slightly, reflecting the diminishing value of the car over time.
Driver Age
Cadillac SRX car insurance rates vary significantly by age, with younger drivers facing much higher monthly premiums. For instance, a 16-year-old can expect to pay around $710 per month, while an 18-year-old’s rate drops to $460.
Cadillac SRX Car Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 16 | $710 |
| Age: 18 | $460 |
| Age: 20 | $285 |
| Age: 30 | $131 |
| Age: 40 | $126 |
| Age: 45 | $123 |
| Age: 50 | $115 |
| Age: 60 | $112 |
As drivers gain more experience and age, these rates continue to decrease, with 20-year-olds paying $285, and those in their 30s seeing a much lower rate of $131. The trend continues with minimal reductions as drivers reach their 40s and 50s, where monthly premiums hover between $115 and $126, and by age 60, the rate stabilizes at $112.
Driver Location
The cost of insuring a Cadillac SRX varies significantly depending on the city. For instance, drivers in Los Angeles, CA, face the highest average monthly premium at $215, while those in New York, NY, enjoy the lowest at just $24.
Cadillac SRX Car Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Los Angeles, CA | $215 |
| New York, NY | $24 |
| Houston, TX | $197 |
| Jacksonville, FL | $183 |
| Philadelphia, PA | $169 |
| Chicago, IL | $166 |
| Phoenix, AZ | $146 |
| Seattle, WA | $121 |
| Indianapolis, IN | $107 |
| Columbus, OH | $104 |
Other cities like Houston, TX, and Jacksonville, FL, also have relatively high rates at $197 and $183, respectively. In contrast, more affordable options can be found in cities such as Indianapolis, IN, and Columbus, OH, where monthly premiums average $107 and $104. These variations highlight the impact of location on car insurance costs.
Your Driving Record
The cost of insuring a Cadillac SRX varies significantly based on the driver’s age and driving history. Younger drivers, especially those around 16 years old, face the highest premiums, with rates for a clean record starting at $710 per month and escalating to $1,350 if they have a DUI.
Cadillac SRX Car Insurance Monthly Rates by Age & Driving Record
| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Age: 16 | $710 | $1,020 | $1,350 | $940 |
| Age: 18 | $460 | $690 | $900 | $590 |
| Age: 20 | $285 | $470 | $680 | $450 |
| Age: 30 | $131 | $270 | $390 | $240 |
| Age: 40 | $126 | $260 | $380 | $230 |
| Age: 45 | $123 | $255 | $375 | $225 |
| Age: 50 | $115 | $250 | $370 | $220 |
| Age: 60 | $112 | $245 | $365 | $215 |
As drivers age, the rates decrease substantially, with a 30-year-old driver paying as low as $131 per month for a clean record. However, any infractions, such as accidents or tickets, lead to noticeable increases in premiums across all age groups. By the time drivers reach 60, rates are considerably lower, ranging from $112 for a clean record to $365 for a DUI.
Cadillac SRX Safety Ratings
The Cadillac SRX boasts strong safety ratings, with “Good” scores in areas such as moderate overlap front, side, roof strength, and head restraints and seats.
Cadillac SRX Safety Ratings
| Type | Rating |
|---|---|
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
These high safety standards are complemented by a comprehensive set of features, including multiple airbags, 4-wheel ABS, electronic stability control, and child safety locks. These attributes not only contribute to the vehicle’s overall safety but can also positively influence insurance rates, making it a solid choice for safety-conscious drivers.
Cadillac SRX Crash Test Ratings
Cadillac SRX Crash Test Ratings
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2024 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2023 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2023 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2022 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2022 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Cadillac SRX SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Cadillac SRX SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 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 |
This includes 4 stars for frontal impact protection and 5 stars for side impact protection, along with a 4-star rating for rollover resistance. These ratings highlight the SRX’s robust safety features and reliability over the years, making it a well-regarded choice in its category.
Cadillac SRX Insurance Loss Probability
Cadillac SRX Car Insurance Loss Probability
| Coverage | Loss Rate |
|---|---|
| Collision | 3% |
| Property Damage | 1% |
| Comprehensive | -16% |
| Personal Injury | -20% |
| Medical Payment | -18% |
| Bodily Injury | -9% |
This suggests that the Cadillac SRX is associated with fewer claims and lower risks in these categories compared to the industry average, potentially leading to lower insurance premiums for these coverages.
Strategies for Reducing Cadillac SRX Insurance Costs
To save on Cadillac SRX insurance, consider a few effective strategies. Start by reviewing your driving habits, especially when relocating or starting a new job, as changes in your commute can impact rates. Opting for a direct insurer rather than using a broker can also lead to better deals.
Additionally, comparing quotes online is crucial for finding competitive rates. If applicable, inquire about student discounts, and always prioritize safe driving practices by avoiding drinking and driving to maintain lower insurance premiums. Discover more insights in our guide “Student Away at School Car Insurance Discounts.”
Leading Insurance Providers for Cadillac SRX Coverage
Many of these companies offer discounts for security systems and other safety features that the Cadillac SRX offers. State Farm leads the Cadillac SRX car insurance market with 9% of the total premiums written, amounting to over $66 million.
Top Cadillac SRX Car Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66,153,063 | 9% |
| #2 | Geico | $46,358,896 | 6% |
| #3 | Progressive | $41,737,283 | 6% |
| #4 | Allstate | $39,210,020 | 5% |
| #5 | Liberty Mutual | $36,172,570 | 5% |
| #6 | Travelers | $28,786,741 | 4% |
| #7 | USAA | $24,621,246 | 3% |
| #8 | Chubb | $24,199,582 | 3% |
| #9 | Farmers | $20,083,339 | 3% |
| #10 | Nationwide | $18,499,967 | 3% |
Geico and Progressive follow, each holding a 6% market share with premiums of approximately $46 million and $41 million, respectively. Allstate and Liberty Mutual each capture 5% of the market. Read up more information in our guide “Where to Find Car Insurance Company Reviews.”
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Other significant providers include Travelers, USAA, Chubb, Farmers, and Nationwide, all with market shares ranging from 3% to 4%. These top ten insurers together dominate the market, offering a variety of options for Cadillac SRX owners.
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Get Free Quotes and Compare Cadillac SRX Insurance 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 $125 monthly 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. Browse more insights in our guide “How do you get competitive quotes for car insurance?”
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.
Breaking Down the Insurance Expenses 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. Uncover our guide titled “Car Insurance Coverage Limits: Explained Simply.”
Essential Factors That Shape Cadillac SRX Insurance Rates
The cost of insuring a Cadillac SRX can vary significantly depending on several factors. Your credit score plays a crucial role; a low score could lead to higher rates, while an excellent score might reduce your annual premium. The distance you drive weekly also matters—short commutes may result in lower costs compared to longer, frequent drives.
The traffic patterns you encounter, such as congested highways versus quieter streets, can impact your premium as well. Additionally, where you live is key; residing in a low-crime area with secure parking generally lowers costs compared to living in high-crime areas with unsecured parking. The number of drivers using the vehicle is another consideration, as having multiple or younger drivers can significantly increase rates.
Lastly, your driving record is essential, with a clean history leading to lower premiums. Given that the Cadillac SRX is a luxury vehicle, it’s vital to weigh all these factors to determine whether it fits within your insurance budget. Read up our guide “Cheap Car Insurance for Young drivers.”
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Case Studies: Discovering the Optimal Insurance for a Cadillac SRX
These case studies highlight real scenarios where Cadillac SRX owners found the best car insurance tailored to their specific needs. Each case demonstrates how factors like location, driving record, and coverage preferences can influence the choice of the top insurance provider.
- Case Study #1 – Affordable Rates for a Safe Driver: John, a 35-year-old Cadillac SRX owner from Texas, prioritized affordable premiums. With a clean driving record and strong credit, he found Geico offered him the best Cadillac SRX car insurance at just $68/month. Geico’s comprehensive coverage and excellent customer service sealed the deal for John, ensuring he had peace of mind.
- Case Study #2 – Military Family Discount: Sarah, a military spouse residing in Virginia, needed reliable coverage at an affordable rate. USAA provided her with the best Cadillac SRX car insurance by offering military family discounts, making their already competitive rates even more appealing. The comprehensive coverage and strong customer support made USAA the ideal choice for Sarah’s family.
- Case Study #3 – Customized Coverage for a Young Driver: Mark, a 25-year-old driver in California, needed a policy that could accommodate his age and driving habits. Allstate provided a customized plan that included accident forgiveness and discounts for safety features on his Cadillac SRX. This tailored approach helped Mark secure the best Cadillac SRX car insurance.
These case studies show how different Cadillac SRX owners successfully found the best car insurance by choosing providers that matched their specific needs. Read thoroughly our guide titled “Compare Military Personnel Car Insurance Rates.”
Geico offers the best Cadillac SRX car insurance with unbeatable rates starting at $68/month, making it the top choice for drivers seeking affordability and comprehensive coverage.
Brad Larson Licensed Insurance Agent
Whether it’s Geico’s affordability, USAA’s military discounts, or Allstate’s customized options, finding the right provider ensures optimal coverage and cost savings. Enter your ZIP code in our free tool below to compare car insurance quotes now!
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 the vehicle make and model, age of the vehicle, driver’s age and experience, location, driving record, and coverage options. Learn more insight in our guide “Average Car Insurance Rates by Age and Gender.”
Are Cadillac SRX car insurance rates generally high or low?
The insurance rates for a Cadillac SRX tend to be slightly higher compared to average insurance rates due to the vehicle’s luxury status and potentially higher repair costs. Ready to find affordable car insurance? Get started today by entering your ZIP code below into our free comparison tool.
How can I find affordable insurance rates for my Cadillac SRX?
To find affordable insurance rates for your Cadillac SRX, compare quotes from multiple providers, maintain a clean driving record, consider higher deductibles, look for available discounts, and explore usage-based insurance options. Uncover details on our “Best Usage-Based Car Insurance Companies.”
Does the Cadillac SRX’s engine size affect insurance rates?
Yes, the engine size can impact insurance rates, as larger engines may be seen as higher risk, but the overall effect depends on other factors like the driver’s profile and coverage options.
Will adding safety features to my Cadillac SRX help reduce insurance rates?
Yes, adding safety features car insurance such as anti-lock brakes, air bags, and electronic stability control can reduce insurance rates by making the vehicle safer and qualifying for discounts.
Are there any insurance providers that specialize in insuring luxury vehicles like the Cadillac SRX?
Yes, some insurance providers specialize in insuring luxury vehicles, offering tailored coverage options and services specifically designed for vehicles like the Cadillac SRX.
How does my driving record impact my Cadillac SRX insurance rates?
A clean driving record with no accidents or violations generally results in lower insurance rates, while a history of accidents or traffic violations can significantly increase premiums.
Can my location affect Cadillac SRX insurance rates?
Yes, your location can greatly affect insurance rates, with higher premiums in areas prone to accidents, theft, or natural disasters, and lower rates in safer regions. Discover more information in our “Best Car Insurance for Natural Disasters.”
Do older Cadillac SRX models have lower insurance rates?
Generally, older Cadillac SRX models tend to have lower insurance rates compared to newer models because they are less expensive to repair or replace. Enter your ZIP code below into our free comparison tool to see how much car insurance costs in your area.
What coverage options are best for a Cadillac SRX?
The best coverage options for a Cadillac SRX often include comprehensive and collision coverage car insurance, along with liability insurance, to fully protect the vehicle in various situations.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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