How much does insurance cost for a 2022 Cadillac XT6?

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When shopping for a new vehicle, most people focus on the sticker price, fuel efficiency or available features – but insurance cost is also an important factor when calculating the cost of ownership.

Car insurance rates for a 2022 Cadillac XT6 vary based on the coverage level you choose. Costs differ because insurers weigh the amount of protection you’re buying, the risk they take on, and how much you’d pay out of pocket if you file a claim.

If you stick with your state’s minimum liability requirements, you can expect to pay around $636 per year, or $53 each month.

For full coverage-which generally includes liability, collision, and comprehensive protection-the average price is $2,518 per year ($210 per month). This estimate is based on coverage limits of 100/300/100 with $500 deductibles for collision and comprehensive.

2022 Cadillac XT6 insurance premiums by state

Location is one of the biggest factors in your premium. ZIP codes matter as much as driving history. That’s why the cost to insure a XT6 in California may look very different from the price in Florida.

Below, you’ll find the states where 2022 Cadillac XT6 insurance is cheapest, and where it’s most expensive.

Cheapest states to insure a 2022 Cadillac XT6

Hawaii has the cheapest car insurance rates for 2022 Cadillac XT6 drivers at an average cost of $1,474 a year or $123 per month. Other affordable states include Idaho, Maine, New Hampshire and Vermont.

The table below shows the cheapest states to insure a 2022 Cadillac XT6.

State name	Average annual premium
Hawaii	$1,474
Idaho	$1,596
Maine	$1,687
New Hampshire	$1,841
Vermont	$1,854

Most expensive states to insure a 2022 Cadillac XT6

At the other end of the spectrum, Louisiana is the most expensive state for car insurance at $4,217 per year. Texas comes next at $3,442 annually, followed by Colorado at $3,259.

The table below shows which states have the most expensive 2022 Cadillac XT6 insurance rates.

State name	Average annual premium
Louisiana	$4,217
Texas	$3,442
Colorado	$3,259
Georgia	$3,218
Missouri	$3,217

2022 Cadillac XT6 insurance premiums by trim level

Insurance rates also vary by trim. Higher trims often come with more powerful engines, luxury tech, and a bigger price tag – all of which can push premiums higher.

Below, you’ll see how car insurance rates for the 2022 Cadillac XT6 compare across trim levels.

Trim	Average annual premium
XT6 Luxury	$2,467
XT6 Premium Luxury	$2,519
XT6 Sport	$2,579

Factors that influence 2022 Cadillac XT6 insurance premiums

Premiums for a 2022 Cadillac XT6 aren’t one-size-fits-all. They change based on the car itself, who’s driving it, and the policy you choose. Here are some of the main factors.

Vehicle-related factors

Vehicle value. Newer or higher-priced models are more expensive to insure.
Repair costs. Cars with above-average parts or repair expenses carry higher premiums.
Safety ratings. Good crash-test scores and advanced safety features can lower costs.
Theft risk. If a model is frequently stolen, insurers raise the price to cover the risk.

Driver-related factors

Age and gender. Younger, less experienced drivers usually pay more.
Location. Urban drivers see higher rates than those in rural areas.
Driving history. Clean records help lower premiums, while tickets and accidents raise them.
Annual mileage. The more miles you drive, the greater the risk – and the higher the cost.

Policy-related factors

Coverage level. Full coverage policies cost more but offer broader protection.
Deductible amount. Higher deductibles reduce premiums but mean higher out-of-pocket costs after a claim.
Optional add-ons. Things like roadside assistance, gap insurance, or rental reimbursement add convenience but also add to the bill.

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Cheapest insurance companies for a 2022 Cadillac XT6

State Farm offers the lowest average premium for a 2022 Cadillac XT6 at $1,951 per year. Other companies with competitive rates include Nationwide, GEICO, and Progressive.

The table below shows the companies with the most affordable 2022 Cadillac XT6 insurance rates.

Company group	Average annual premium
State Farm	$1,951
Nationwide	$2,149
GEICO	$2,160
Progressive	$2,501
Farmers	$3,102
Allstate	$3,315

How to lower 2022 Cadillac XT6 insurance premiums

Looking to save? Here are some practical ways to cut your costs.

Shop around for quotes. Each insurer calculates risk differently.
Adjust your coverage. If the car is older or you don’t drive often, lowering limits or dropping extras may save you money.
Raise your deductible. This lowers premiums but means paying more after a claim.
Take advantage of discounts. Safe driving, bundling home and auto, low mileage, and built-in safety features can all qualify.
Keep a clean record. Tickets and accidents can send rates soaring, while safe driving helps keep them low.
Try usage-based insurance. Some companies offer discounts if you opt into telematics programs that track driving behavior.

XT6 insurance premiums by model year

Insurance rates also change depending on the model year. Newer vehicles typically cost more to cover because they have higher values and more complex technology, which can make repairs expensive. Industry-wide labor and repair costs have also risen over time, driving premiums higher across all years.

Below, you can compare average insurance premiums for the 2022 Cadillac XT6 by model year.

Model year	Average annual premium
2020	$2,437
2021	$2,436
2022	$2,518
2023	$2,585
2024	$2,667

How expensive is it to insure a 2022 Cadillac XT6?

It costs an average of $2,518 per year to insure a 2022 Cadillac XT6, which is $45 more than the national average of $2,473.

Insurance premiums are influenced by many factors, including the vehicle’s make and model. The best way to find savings is to compare quotes from several insurers, ensuring you get coverage that balances affordability with solid protection for a 2022 Cadillac XT6.

Methodology

Insure.com commissioned Quadrant Information Services to get insurance rates for new and used vehicles. The rates are based on a sample profile of a 40-year-old male driver with a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles. We’ve compared 1,661 makes and models and 67,566,780 insurance quotes from 57 companies across 510 ZIP codes. The rates are for insurance purposes only; your exact rates may vary.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

2022 Cadillac XT6 insurance premiums by state
2022 Cadillac XT6 insurance premiums by trim level
Factors that influence 2022 Cadillac XT6 insurance premiums
Cheapest insurance companies for a 2022 Cadillac XT6
How to lower 2022 Cadillac XT6 insurance premiums
XT6 insurance premiums by model year
How expensive is it to insure a 2022 Cadillac XT6?
Methodology