Best Auto Insurance for Cadillacs in 2025 (Top 10 Companies Ranked)
State Farm, Geico, and Allstate have the best auto insurance for Cadillacs. Geico has the best cheap Cadillac insurance, starting at $96 monthly for full coverage. These top providers offer specialized luxury coverage for your vehicle and competitive discounts to lower your monthly Cadillac car insurance cost.
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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: Apr 22, 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.
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: Apr 22, 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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18,154 reviewsCompany Facts
Full Coverage for Cadillacs
A.M. Best
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full Coverage for Cadillacs
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
11,638 reviewsCompany Facts
Full Coverage for Cadillacs
A.M. Best
Complaint Level
Pros & Cons
11,638 reviews
State Farm, Geico, and Allstate have the best auto insurance for Cadillacs, with rates starting as low as $43 a month. State Farm offers an OEM parts warranty that guarantees authentic Cadillac parts, and Allstate provides specialized protection for advanced technology features.
Our Top 10 Company Picks: Best Auto Insurance for Cadillacs| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | A++ | Customer Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 25% | A+ | New Cadillacs | Allstate |
 | #4 | 10% | A+ | Budget Options | Progressive |
 | #5 | 25% | A | Customizable Policies | Liberty Mutual |
 | #6 | 20% | A | High-Net-Worth Options | Farmers |
 | #7 | 20% | A+ | Leased Cadillacs | Nationwide |
 | #8 | 25% | A | Safe Drivers | American Family |
 | #9 | 16% | A++ | Claims Process | Auto-Owners |
 | #10 | 25% | A+ | Competitive Rates | Erie |
You could find better Cadillac insurance prices through discounts offered by these top companies. This article reviews leading insurance companies for Cadillac owners based on premium prices, discount offers, 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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Compare Quotes From Top Companies and Save
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Enter your zip code below to view companies that have cheap insurance rates.
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#1 – State Farm: Top Overall Pick
Pros
- Superior Customer Service: Dedicated representatives who understand Cadillac models and unique luxury insurance requirements.
- Specialized Coverage Options: Explicitly tailored for luxury Cadillac models. Explore policy options and more in our State Farm auto insurance review.
- Extensive Agent Network: Local agent network providing personalized consultations to determine optimal Cadillac insurance coverage.
Cons
- Restricted Coverage: State Farm is no longer writing new policies in Rhode Island and Massachusetts, and Cadillac drivers in Florida and California may also face restrictions.
- Higher Premiums: State Farm minimum coverage car insurance for Cadillacs starts at $127 per month, more than double Geico’s rates.
#2 – Geico: Best for Affordable Rates
Pros
- Competitive Rates: Competitive Cadillac insurance rates, available across vintage and brand-new models, offer savings for vintage enthusiasts concerned about insurance costs.
- User-Friendly Digital Tools: Making policy management seamless for tech-savvy Cadillac owners seeking convenience. Read everything you need to know about Geico.
- Military Discounts: Substantial military discounts make Cadillac insurance more affordable for active and retired service members.
Cons
- Limited Luxury Add-Ons: Restrict customization for Cadillacs with specialized modifications or features.
- Basic Roadside Assistance: Essential roadside assistance lacks the premium services that Cadillac owners expect from their insurance provider.
#3 – Allstate: Best for New Cadillacs
Pros
- New Car Replacement: As highlighted in our Allstate auto insurance review, it offers complete value for totaled new Cadillacs regardless of depreciation.
- Comprehensive Component Coverage: Includes specialized protection for expensive Cadillac-specific components and advanced technology systems.
- Vanishing Deductible Program: Rewards safe Cadillac drivers with decreasing out-of-pocket costs over time.
Cons
- Higher Base Premiums: Initial Cadillac insurance quotes are less competitive before discounts.
- Complex Discount Structure: Makes navigating potential savings opportunities challenging for Cadillac owners.
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#4 – Progressive: Best for Drivers on a Budget
Pros
- Name Your Price Tool: Allows Cadillac owners to find coverage options that match their specific budget constraints.
- Usage-Based Insurance: Significantly reduces Cadillac insurance costs for owners who drive less frequently than average (Read More: Everything You Need to Know About Progressive Insurance).
- Model-Specific Coverage: Tailored coverage options vary between different Cadillac models, ensuring appropriate protection for each vehicle.
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: Potentially undervalues collectible models during claims settlements.
#5 – Liberty Mutual: Best for Customized Policies
Pros
- Highly Customizable Policies: Ideal for modified or rare Cadillac models requiring specialized insurance coverage.
- 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: Certified repair shops maintain the value and integrity of insured Cadillac vehicles.
Cons
- Inconsistent Customer Service: This may complicate the Cadillac insurance claim process.
- Urban Rate Increases: Significantly higher rates for Cadillac drivers in big cities.
#6 – Farmers: Best for High-Net-Worth Options
Pros
- High-Net-Worth Options: Extensive customization options for affluent clients with multiple Cadillacs and substantial assets needing protection.
- Advanced Technology Protection: Specialized protection for advanced driver assistance systems addresses the technological complexity of modern Cadillacs.
- Declining Deductibles: Reward loyal Cadillac owners by reducing out-of-pocket expenses over time (Learn More: Everything You Need to Know About Farmers Insurance).
Cons
- Entry-Level Model Rates: Cadillac auto insurance rates start out more expensive than other companies at $80 per month.
- Complex Claims Process: The claims process can delay repairs for specialty Cadillac parts.
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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 Provider & Coverage Level| InsuranceCompany | 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.
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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.
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| Insurance Company | Anti-Theft Device | 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.
Are Cadillacs expensive to maintain?
Yes, Cadillacs are generally expensive to maintain due to premium parts and specialized service requirements, which is why insurance providers like Liberty Mutual offer benefits such as lifetime repair guarantees through certified shops.
Are Cadillacs considered luxury cars?
Yes, Cadillacs are considered luxury vehicles, which is reflected in insurance policies with providers like State Farm offering specialized coverage options explicitly tailored for luxury Cadillac models.
Read More: Everything You Need to Know About Luxury and Exotic Car Insurance
Are Cadillacs reliable?
Cadillacs have average to above-average reliability, though insurance rates suggest companies factor in higher repair costs, with providers like Farmers offering specialized protection for the advanced driver assistance systems in modern Cadillacs.
Why is the Cadillac ATS discontinued?
The Cadillac ATS was discontinued as part of GM’s strategy to streamline its lineup and focus on SUVs and crossovers, which affects insurance availability for these models as they age.
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.
Are Cadillacs good high-mileage cars?
Cadillacs can be reliable high-mileage vehicles with proper maintenance, though insurance companies like Nationwide offer annual policy reviews to ensure coverage remains optimized as Cadillac vehicles age and depreciate. 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.