Cadillac SRX Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Cadillac SRX costs about the same as most other SUVs to insure.
• Full coverage for a SRX typically runs around $148 a month, while liability only insurance premiums come in at about $83.
• The cheapest auto insurance carrier for a SRX is Horace Mann, who offers prices as little as $30 monthly.

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SRX Overview

The Cadillac SRX is a great choice for a mid-level SUV, with 2016 models starting at $37,605. With four different trim levels currently available, there's an option for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Cadillac SRX insurance rates average out to around $140 a month. But how does that stack up to other similar SUVs out there on the market?

How Much is Car Insurance for a Cadillac SRX?

In the table above, you'll see that car insurance premiums for a Cadillac SRX are more affordable than average. On average, SRX owners can expect to pay about $148 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

When compared to other models, the SRX is cheaper, with prices more than 10% lower than other vehicles in Cadillac's lineup. But SRX coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance rates coming in at $3 higher than other SUVs and full coverage insurance prices at $3 cheaper.

Compared to all vehicles, regardless of model, body style, or make, liability only premiums are slightly more expensive for the SRX, but a full coverage policy is on the less expensive side.

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Who has the Cheapest Car Insurance for a Cadillac SRX?

Are you searching for an auto insurance policy for your Cadillac SRX? You might want to know which company offers the most affordable premiums. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $26 per month from Ohio Mutual. The runner up for most affordable rates is AssuranceAmerica, with auto insurance policies starting as little as just $30 a month.

Finishing off the rest of the top 5 are Horace Mann, Hugo, and Encompass. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Cadillac SRX.

After all, car insurance carriers look at multiple different factors when calculating premiums, so your results might be different. By getting quotes from a lot of insurance companies at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Cadillac SRX?

There are a multitude of things that auto insurance carriers look at to determine how much to charge you for car insurance -- and every carrier weighs different variables more heavily than others, so there's not one single company that's the cheapest for everyone.

Keep reading to learn which variables insurance companies look at and how they affect your final rate:

Vehicle Age

Cadillac has been making the SRX for quite some time -- and that means the car's age may make a difference in how much you'll pay for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and SRXs continue to depreciate, insurance costs will gradually decrease.

Since a new model has not been added to the market for at least 5 years, the SRX won't really fit this trend. However, as you can see in the table above, the most expensive Cadillac SRXs to insure are those that are 11 to 14 years old, while the cheapest models are SRXs that are 1 year old or less, on average.

Your Age

Your age is another variable that plays a significant role in how much insurance carriers will charge you for a policy. As you can see above, drivers who have more experience on the road have cheaper rates than the youngest drivers. Cadillac SRX drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group being 65 years and older for SRX drivers.

Your Gender

Because women are less likely to get into collisions and get speeding tickets, they are less likely to file a claim with insurance. So, insurance companies will tend to offer women more affordable premiums. When it comes to SRX drivers specifically, men pay around 5% more than women monthly for car insurance.

Where You Live

You may already know that things like what vehicle you drive and how old you are play a role in your auto insurance rates, but you may not realize that where you live matters just as much. Because car insurance is regulated at the state level, prices fluctuate quite a bit from state to state.

For example, the average Cadillac SRX owner from New York pays about $206 per month for liability coverage, while the same driver in California will pay less than 50% of that price, on average. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change depending on where you live.

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Cadillac SRX Car Insurance Discounts

Regardless of your age, your home state, or your car, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than in monthly installments

While discounts are always a good way to save money on your car insurance, sometimes, the best way to save isn't through a "discount" at all, but rather by having a good driving record and positive insurance profile.

Although you can't control every single aspect of your insurance profile (like some of the factors we mentioned above), you can control some of it. Below are just a few of the factors you can use to your advantage when it comes to saving cash:

Your Driving Record

You've almost certainly heard ads from auto insurance carriers promoting large discounts for good drivers. It shouldn't come as a surprise that your car insurance rates will get higher if you get into a collision or get speeding tickets. But exactly how much can these infractions cost you?

As you can see, accidents will usually cost SRX drivers more than tickets, but both will cause a significant increase in rates. Cadillac SRX drivers with one ticket will pay about $102 monthly, while drivers with a single accident on their record pay an average of $102 a month (up $19 from the $83/mo. overall average). The rates only go up the more tickets you get or collisions you have.

How Much You Drive

The amount of miles you drive each year affects your auto insurance premiums. Those who drive less are less likely to get speeding tickets, so they'll normally get more affordable rates. Above, you can see that Cadillac SRX owners who drive fewer than 2,500 miles each year pay about $84 a month for insurance, while those who put 10,000 miles or more on their cars pay $89.

If you happen to be one of those drivers who put very few miles on your Cadillac SRX each year, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Cadillac SRXs Compare to Other Vehicles?

If you're considering making a Cadillac SRX your next purchase, you might want to know how it compares to other cars. Auto insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Review the table below to see how the Cadillac SRX compares:

As you can see, the Cadillac SRX is right on par with the average vehicle price here in the U.S. The SRX has a base price of $37,605, close to the national average vehicle MSRP of $41,071. And since it's been awhile since a new SRX model has been on the market, used prices will be even lower.

Although the SRX has a pretty average price, car insurance prices run above average when compared to the rest of the vehicle market. Full coverage insurance for a Cadillac SRX is around $5 per month more than average, while liability only coverage is $19 higher per month.

When it comes to usage, Cadillac SRX drivers are much higher than the national average in annual miles driven, with 12,828 miles per year compared to 11,617 for all vehicles.

Cadillac SRX Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays to insure a Cadillac SRX. But if you're considering buying a new vehicle and the SRX is one you're thinking about, knowing what you can expect to pay can be extremely valuable as you weigh your options.

Choose Your Model

2016 Cadillac SRX Car Insurance 2015 Cadillac SRX Car Insurance 2014 Cadillac SRX Car Insurance 2013 Cadillac SRX Car Insurance 2012 Cadillac SRX Car Insurance 2011 Cadillac SRX Car Insurance 2010 Cadillac SRX Car Insurance 2009 Cadillac SRX Car Insurance 2008 Cadillac SRX Car Insurance 2007 Cadillac SRX Car Insurance 2006 Cadillac SRX Car Insurance 2005 Cadillac SRX Car Insurance 2004 Cadillac SRX Car Insurance

2016 Cadillac SRX Car Insurance

On average, drivers who own a 2016 SRX can expect to pay $100 to $174 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the cheapest possible 2016 Cadillac SRX insurance policy, Safeco offered the most affordable policy we found, with rates as cheap as $22 a month.

Want to know exactly what your insurance price will be? Get a variety of free customized quotes by just entering your ZIP code below.

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2015 Cadillac SRX Car Insurance

2015 Cadillac SRX drivers can expect to pay an average of $84 per month for liability or $150 for full coverage.

We found MetLife offered the lowest policy, with rates as low as just $24 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2014 Cadillac SRX Car Insurance

The average cost to insure a 2014 SRX with liability only coverage is $69 a month, while full coverage runs about $150 per month.

Elephant offered the most affordable policy we found, with rates sometimes as little as $29 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2013 Cadillac SRX Car Insurance

You can expect full coverage for a 2013 Cadillac SRX to run around $153 per month, while liability only coverage will average about $74 a month.

Mercury has premiums sometimes as cheap as $20 per month for the 2013 Cadillac SRX.

If you want to know exactly how much you can expect to pay for your SRX, just enter your ZIP code below and get free quotes in minutes.

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2012 Cadillac SRX Car Insurance

It costs around $90 monthly for liability or $145 for a full coverage policy for the 2012 SRX.

With prices sometimes as low as $24 a month, Encompass offered the cheapest policy we found.

Interested in exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a variety of personalized quotes from the nation's top insurance companies.

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2011 Cadillac SRX Car Insurance

The average cost to insure a 2011 Cadillac SRX with liability only coverage is $86 per month, while full coverage runs about $147 monthly.

With rates as cheap as just $28 a month, Hugo offered the lowest policy we found for the 2011 Cadillac SRX.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2010 Cadillac SRX Car Insurance

You can expect full coverage for a 2010 SRX to run around $140 monthly, while liability only coverage will average about $80 per month.

Looking for the cheapest policy? MetLife offered liability only coverage for as low as $18 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2009 Cadillac SRX Car Insurance

On average, drivers who own a 2009 Cadillac SRX can expect to pay $69 to $169 per month for liability only and full coverage car insurance, respectively.

MetLife offered the lowest policy we found, with rates as low as just $30 a month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2008 Cadillac SRX Car Insurance

It costs around $82 monthly for liability or $147 for a full coverage policy for the 2008 SRX.

If you're looking for the lowest possible 2008 Cadillac SRX insurance policy, Elephant offered the most affordable policy we found, with rates as cheap as just $17 per month.

What could your insurance price look like? Enter your ZIP code below to get lots of customized quotes for free.

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2007 Cadillac SRX Car Insurance

2007 Cadillac SRX drivers can expect to pay an average of $92 monthly for liability or $146 for full coverage.

We found MetLife offered the cheapest policy, with rates sometimes as little as $23 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2006 Cadillac SRX Car Insurance

You can expect full coverage for a 2006 SRX to run about $140 per month, while liability only coverage will average around $82 a month.

With prices as little as $23 monthly, Shelter Mutual offered the most affordable policy we found for the 2006 Cadillac SRX.

While these are good estimates of what the average driver might pay to insure a 2006 Cadillac SRX, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2005 Cadillac SRX Car Insurance

On average, drivers who own a 2005 Cadillac SRX can expect to pay $80 to $126 a month for liability only and full coverage auto insurance, respectively.

With prices as low as $26 per month, Elephant offered the lowest policy we found.

Want something more accurate than nationwide averages? Get several free personalized quotes by just entering your ZIP code below.

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2004 Cadillac SRX Car Insurance

It costs about $86 monthly for liability or $150 for a full coverage policy for the 2004 SRX.

Mapfre has rates sometimes as low as $20 a month for the 2004 Cadillac SRX.

These average premiums are a great starting point if you're in the market for a 2004 Cadillac SRX, but there are a lot of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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Cadillac SRX Insurance FAQs

Is a Cadillac SRX expensive to insure?

Liability insurance runs an average of $83 monthly, while full coverage will cost you around $148. It costs about the same to insure a Cadillac SRX as insuring the average vehicle.

How can I get the best price on car insurance for my Cadillac SRX?

There's only one way to be sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from a whole bunch of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Cadillac SRX affect my insurance rates?

Have you heard the old adage that red cars cost more to insure before? Well, that's just a myth. Although there are many variables car insurance carriers examine when they decide how much to charge for insurance, the color of your Cadillac SRX is not used to make that determination.

Do I need to have insurance before I buy a Cadillac SRX?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) SRX off the dealership lot. Some dealerships might offer you an insurance policy as part of the car-buying process, but the easiest thing to do is to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Cadillac SRX?

You will find a bunch of discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your SRX has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, contact your insurance carrier and ask about their discounts.