Best Auto Insurance for Cadillacs in 2025 (Top 10 Companies Ranked)
State Farm, Geico, and Allstate have the best auto insurance for Cadillacs with rates as low as $43 monthly for minimum coverage. Geico provides the cheapest rates and bundling discounts of up to 25%, helping luxury Cadillac owners reduce their premium costs without sacrificing coverage quality.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as ...
Licensed Insurance Agent
UPDATED: May 2, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 2, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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11,638 reviewsState Farm, Geico, and Allstate have the best auto insurance for Cadillacs, with rates starting as low as $43 a month for minimum coverage.
Our Top 10 Company Picks: Best Auto Insurance for Cadillacs| Company | Rank | Anti-Theft Discount | Safety Features | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 15% | 20% | Customer Service | State Farm |
 | #2 | 25% | 15% | Affordable Rates | Geico |
 | #3 | 10% | 20% | New Cadillacs | Allstate |
 | #4 | 25% | 10% | Budget Options | Progressive |
 | #5 | 35% | 12% | Customizable Policies | Liberty Mutual |
 | #6 | 10% | 15% | High-Net-Worth Options | Farmers |
 | #7 | 5% | 18% | Leased Cadillacs | Nationwide |
 | #8 | 25% | 18% | Safe Drivers | American Family |
 | #9 | 12% | 10% | Claims Process | Auto-Owners |
 | #10 | 15% | 15% | Personalized Policies | Erie |
State Farm offers an OEM parts warranty that guarantees authentic Cadillac parts, and Allstate provides specialized protection for advanced technology features.
You could find better Cadillac insurance prices through discounts offered by these top companies. This article reviews leading insurance companies based on premium prices, car insurance discounts you can’t miss, and coverage for luxury vehicles.
- State Farm leads the rankings for the best Cadillac auto insurance
- Geico offers the most affordable Cadillac insurance at just $96 monthly
- Allstate’s vanishing deductible program rewards safe Cadillac drivers
To find out if you can get cheaper car insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
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#1 – State Farm: Top Overall Pick
Pros
- Superior Customer Service: Dedicated representatives trained specifically on Cadillac models with 24% higher satisfaction ratings for luxury vehicle claims than industry average.
- Specialized Coverage Options: Drive Safe & Save program offers up to 30% discounts specifically for Cadillac models. Explore more in our State Farm auto insurance review.
- Extensive Agent Network: 19,000+ local agents providing personalized consultations with an average of 12 years experience handling luxury vehicle policies.
Cons
- Restricted Coverage: Currently not writing new policies in Rhode Island and Massachusetts, with higher rejection rates for new Cadillac applications in Florida and California.
- Higher Premiums: Minimum coverage for Cadillacs starts at $127 per month, which is 195% more expensive than Geico’s $43 monthly rate for comparable protection.
#2 – Geico: Best for Affordable Rates
Pros
- Competitive Rates: Full coverage for Cadillacs averages $96 monthly, with rates for vintage models starting 15% lower than contemporary vehicles.
- User-Friendly Digital Tools: Mobile app rated #1 in J.D. Power’s 2023 Insurance Digital Experience Study, allowing claims filing in under 5 minutes with real-time tracking.
- Military Discounts: 15% premium reduction through their Military Advantage Program, saving service members on their Cadillac policies. Read everything you need to know about Geico.
Cons
- Limited Luxury Add-Ons: No specialized coverage for Cadillac-specific features like Super Cruise system or digital dashboard technology, requiring separate warranty purchases.
- Basic Roadside Assistance: Standard emergency road service lacks premium services like same-day rental cars and expedited luxury towing that Cadillac owners typically expect.
#3 – Allstate: Best for New Cadillacs
Pros
- New Car Replacement: As highlighted in our Allstate auto insurance review, they replace totaled Cadillacs less than 2 years old with a brand new model rather than paying depreciated value.
- Vehicle Technology Coverage: Allstate protects Cadillac’s advanced systems including Super Cruise, night vision, and digital dashboards at no additional cost with comprehensive policies.
- Vanishing Deductible Program: Deductible Rewards program reduces collision deductibles by $100 annually (up to $500 total) for each year without an accident.
Cons
- Higher Base Premiums: Initial quotes average $120 monthly before discounts, approximately 25% higher than Geico’s $96 monthly rate for comparable Cadillac coverage.
- Complex Discount Structure: Requires Cadillac owners to bundle 3+ products to achieve maximum 25% multi-policy discount, compared to other competitors.
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#4 – Progressive: Best for Drivers on a Budget
Pros
- Name Your Price Tool: Proprietary budget-matching system that finds coverage options, with an average of 7 different policy configurations for Cadillac owners.
- Usage-Based Insurance: Snapshot program that reduces premium for Cadillacs driven fewer than 10,000 miles (Read More: Everything You Need to Know About Progressive Insurance).
- Model-Specific Coverage: Custom Parts and Equipment coverage offers up to $5,000 protection for Cadillac-specific modifications and aftermarket upgrades.
Cons
- Limited Luxury Experience: Less specialized experience with high-value vehicles than other Cadillac auto insurance companies, which may affect claims handling for some.
- Conservative Classic Valuations: Agreed Value policies for vintage Cadillacs average 12-15% below market value compared to specialized classic car insurers.
#5 – Liberty Mutual: Best for Customized Policies
Pros
- Highly Customizable Policies: Platinum Luxury Vehicle Program offers 27 distinct coverage options for modified or rare Cadillac models.
- New Vehicle Replacement: Our Liberty Mutual auto insurance review explains how it provides a brand new Cadillac rather than paying the depreciated value after a total loss.
- Lifetime Repair Guarantee: Guaranteed Repair Network includes 2,000+ certified luxury vehicle specialists who maintain repair warranties for as long as you own your Cadillac.
Cons
- Inconsistent Customer Service: Liberty Mutual is rated below industry average for claims satisfaction, with 31% of Cadillac owners reporting longer-than-average claim resolution times.
- Urban Rate Increases: Premium surcharges in metropolitan areas average 37% higher than suburban rates for identical Cadillac models, compared to just 22% at competitors like Geico.
#6 – Farmers: Best for High-Net-Worth Options
Pros
- High-Net-Worth Options: Farmers’ prestige program includes complimentary identity theft protection, worldwide rental coverage up to $250/day, and liability protection.
- Advanced Technology Protection: Electronic equipment coverage specifically addresses Cadillac’s infotainment systems with no depreciation applied to repairs up to 5 years.
- Declining Deductibles: Farmers’ Signal program reduces collision deductibles of claims-free driving for Cadillac owners.
Cons
- Entry-Level Model Rates: Basic coverage for entry-level Cadillacs starts at $80 monthly (Learn More: Everything You Need to Know About Farmers Insurance).
- Complex Claims Process: Premium parts requests require additional documentation and approval, extending Cadillac repair times by an average of 7 days longer.
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#7 – Nationwide: Best for Leased Cadillacs
Pros
- Superior Gap Insurance: Protects Cadillac owners from underwater loans if their leased or financed vehicle is totaled.
- Annual Policy Reviews: Ensure coverage remains optimized as Cadillac vehicles age and depreciate. Learn more about its policies in our Nationwide auto insurance review.
- Vanishing Deductible Program: Reduces out-of-pocket costs by $100 annually, saving loyal Cadillac owners up to $500.
Cons
- Limited Usage-Based Options: Restrict savings opportunities for low-mileage Cadillac owners.
- Senior Driver Pricing: Less favorable pricing for senior Cadillac drivers compared to competitors focused on mature driver discounts.
#8 – American Family: Best for Safe Drivers
Pros
- Usage-Based Discounts: Rewards safe Cadillac owners who drive primarily during the day with lower premium costs.
- Diminishing Deductible Program: Reduces collision and comprehensive costs by $100 each year of safe driving.
- Exceptional Claims Satisfaction: Makes the experience smoother for Cadillac owners after accidents or damage (Read More: How to File an Auto Insurance Claim & Win It Each Time).
Cons
- Limited State Availability: Only available in 19 states, making it inaccessible to many Cadillac owners nationwide.
- Fewer Luxury Benefits: Fewer specialized benefits for luxury auto insurance for Cadillacs compared to insurers focused on premium cars.
#9 – Auto-Owners: Best for Claims Processing
Pros
- Efficient Claims Processing: Remarkably efficient claims processing minimizes downtime for Cadillac owners after accidents or vehicle damage.
- Dedicated Agent Model: Provides personalized service tailored to specific Cadillac models and owner needs. Learn more in our Auto-Owners car insurance review.
- Multi-Vehicle Discounts: Generous multi-vehicle discounts benefit households with multiple Cadillacs or mixed luxury vehicle collections.
Cons
- Underdeveloped Digital Tools: Lag behind competitors for tech-savvy Cadillac owners expecting modern conveniences.
- Below-Average Bundling: 16% bundling discount limits savings potential for Cadillac owners with multiple insurance needs.
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#10 – Erie: Best for Locked-In Luxury Rates
Pros
- Rate Lock Guarantee: A unique rate lock prevents Cadillac insurance rate increases except when specific policy changes occur, like adding a driver or moving to a new state.
- Pet Injury Coverage: Automatic pet injury coverage adds value for Cadillac owners who regularly travel with their animals.
- Usage-Based Discounts: Erie YourTurn telematics can lower Cadillac car insurance rates for safe drivers.
Cons
- Extremely Limited Availability: Minimal availability in only 12 states restricts access, regardless of competitive Cadillac insurance rates.
- Limited Ultra-Luxury Experience: Less experience with ultra-luxury Cadillac models may affect claims handling for high-end vehicle repairs.
Cadillac Insurance Rates From Top Companies
Shopping for Cadillac insurance can save you hundreds monthly if you know how to compare auto insurance companies. The chart below shows what the best companies charge monthly for minimum and full coverage insurance.
Cadillac Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $96 | $120 |
| $90 | $118 |
| $88 | $115 |
| $82 | $112 |
| $80 | $110 |
| $43 | $96 |
| $98 | $130 |
| $85 | $125 |
 | $75 | $105 |
| $127 | $159 |
Cadillac car insurance rates vary widely from company to company, averaging at $84 per month for minimum coverage and $120 for full coverage.
When you bundle, you don’t have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm
— GEICO (@GEICO) April 27, 2023
Geico has the cheapest full coverage at just $96 per month, while State Farm offers luxury service at a premium price of $159 per month.
Cadillac owners should prioritize OEM parts guarantees like State Farm offers. This ensures authentic components that maintain your luxury vehicle's value.
Sara Routhier Sr. Director of Content
Despite its steep price, State Farm is the best Cadillac auto insurance company for its tailored policies and local agents who understand the needs of luxury car insurance policyholders. The table below breaks down the average monthly premiums for minimum and full coverage across Cadillac’s lineup.
Cadillac Auto Insurance Monthly Rates by Model| Cadillac Model | Min. Coverage | Full Coverage |
|---|---|---|
| Cadillac Escalade | $168 | $249 |
| Cadillac XT5 | $140 | $213 |
| Cadillac XT6 | $147 | $224 |
| Cadillac CT5 | $136 | $208 |
| Cadillac CT4 | $130 | $198 |
| Cadillac LYRIQ | $155 | $237 |
| Cadillac XT4 | $132 | $202 |
| Cadillac CT6 | $145 | $220 |
| Cadillac XTS | $142 | $215 |
| Cadillac SRX | $126 | $189 |
For all models, upgrading from minimum to full coverage increases monthly premiums by an average of 61%, but provides comprehensive protection for your luxury investment.
Getting Discounts for Your Cadillac Insurance
Cadillac drivers can get the cheapest car insurance with discounts. The following table presents the five most common auto insurance discounts:
Cadillac Auto Insurance Discounts From Top Providers| Company | Anti-Theft | Bundling | Defensive Driving | Good Student | Safe Driver |
|---|---|---|---|---|---|
| 10% | 25% | 10% | 22% | 18% |
| 25% | 25% | 5% | 20% | 18% |
| 12% | 16% | 5% | 20% | 8% |
| 15% | 25% | 5% | 15% | 15% |
| 10% | 20% | 10% | 15% | 20% |
| 25% | 25% | 15% | 15% | 15% |
| 35% | 25% | 10% | 12% | 20% |
| 5% | 20% | 10% | 18% | 12% |
| 25% | 10% | 31% | 10% | 10% |
| 15% | 17% | 15% | 35% | 20% |
No insurance provider provides better discounts across all categories to Cadillac owners than State Farm, with the biggest discounts for students and safe drivers.
Geico offers bigger bundling and anti-theft discounts than State Farm, but its savings for safe drivers are not as competitive. Allstate has a better safe driver discount for Cadillacs at 18%.
Read More: Best Auto Insurance for Good Drivers
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Finding the Best Cadillac Auto Insurance
State Farm, Geico, and Allstate stand out as the best auto insurance for Cadillacs. State Farm excels in customer service through its local agent network.
State Farm’s OEM parts guarantee ensures your luxury vehicle receives genuine Cadillac components, while Geico’s user-friendly mobile app makes policy management effortless for tech-savvy owners. Geico also offers the most affordable rates at $96 monthly for full coverage.
Allstate provides superior protection for new Cadillac models with advanced technology systems and will also replace your new Cadillac if it’s totaled in a covered claim (Read More: Geico vs. Allstate Auto Insurance Showdown).
To find out if you can get cheaper car insurance rates on your Cadillac, enter your ZIP code into our free quote tool to instantly compare prices from the best companies near you.
Frequently Asked Questions
Is insurance high on a Cadillac?
Yes, Cadillac insurance is generally higher than average due to its luxury status, but it varies widely between models, with Geico offering the most affordable full coverage at $96 monthly while State Farm charges around $159 for premium service.
Read More: 26 Hacks to Save More Money on Car Insurance
What is the cheapest Cadillac to insure?
Older Cadillac models are typically the cheapest to insure, with Geico offering particularly competitive rates for vintage enthusiasts, while entry-level models like the XT5 may have higher rates with some providers like Farmers. See if you’re getting the best deal on car insurance by entering your ZIP code here.
Who offers the best Cadillac auto insurance coverage?
State Farm ranks #1 for Cadillac insurance with superior customer service and an OEM parts guarantee, while Allstate offers specialized protection for expensive Cadillac-specific components and advanced technology systems.
What insurance add-ons are worth it for Cadillac owners?
Most Cadillac owners benefit from gap insurance and OEM parts coverage add-ons, with Liberty Mutual’s Lifetime Repair Guarantee and Allstate’s Vehicle Technology Coverage providing the best protection for luxury components typically costing 35% more than standard parts.
Why do insurance companies classify Cadillacs differently than standard vehicles?
Insurance providers classify Cadillacs as luxury vehicles due to their higher repair costs and theft rates, resulting in specialized coverage requirements and premium calculations that average 22% higher than non-luxury vehicles with similar safety ratings.
Read More: Everything You Need to Know About Luxury and Exotic Car Insurance
Do Cadillac safety features reduce insurance premiums?
Yes, modern Cadillac safety features like automatic emergency braking and Super Cruise can reduce insurance premiums by 8-15% with most providers, though State Farm offers the highest safety discounts at up to 25% for models with top IIHS safety ratings.
How does insuring a discontinued Cadillac model affect rates and coverage options?
Insuring discontinued Cadillac models like the ATS typically increases premiums by 10-15% after 5 years as parts become scarcer, though Erie’s Rate Lock Guarantee and Geico’s vintage vehicle coverage provide stable pricing options regardless of model availability.
How much is insurance for a Cadillac Escalade?
Insurance for a Cadillac Escalade is typically more expensive than for other Cadillac models, due to its size and value. Rates vary significantly between insurers; to find the best results, compare quotes from State Farm, Geico, and Allstate.
Which value is it best to insure a Cadillac?
It’s best to insure a Cadillac for its actual cash value, though some providers like Allstate and Liberty Mutual offer new car replacement coverage that provides complete value for totaled new Cadillacs regardless of depreciation.
How do high-mileage Cadillacs affect insurance coverage and rates?
High-mileage Cadillacs typically see 5-12% premium increases after 75,000 miles, though Progressive’s Snapshot program and Nationwide’s usage-based insurance can offset these costs with discounts up to 30% for careful driving habits despite higher odometer readings. Enter your ZIP code to start comparing car insurance rates by mileage.
Enter your zip code below to view companies that have cheap insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.