Carrier vs. Carrier Comparisons
Related Companies
Allstate, State Farm, and Geico are the best car insurance companies for Cadillacs. State Farm has the best customer service but Allstate has better policy options.
Other great options for Cadillac car insurance companies include Progressive and Farmers. USAA is the best insurance provider for Cadillac owners in the military.
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | 25% | A+ | Customized Policy | Allstate |
 |
#2 | 20% | B | Customer Service | State Farm |
 |
#3 | 25% | A++ | Many Discounts | Geico |
 |
#4 | 12% | A+ | Budget Tools | Progressive |
 |
#5 | 20% | A+ | Bundling Discounts | Nationwide |
 |
#6 | 20% | A | Group Discounts | Farmers |
 |
#7 | 25% | A | Coverage Options | Liberty Mutual |
 |
#8 | 8% | A++ | Industry Ratings | Travelers |
 |
#9 | 20% | A | Student Discounts | American Family |
 |
#10 | 10% | A++ | Military Benefits | USAA |
Read on to learn more about the best and cheapest car insurance companies for Cadillacs. When you are ready to start shopping for Cadillac car insurance quotes, just enter your ZIP in our free quote tool.
What You Should Know
- Allstate has the best car insurance for Cadillacs
- State Farm and Geico are also top Cadillac car insurance companies
- Cadillac drivers should apply for discounts to lower rates
#1 – Allstate: Top Pick Overall
Pros
- Customized Policies: Cadillac policies can be customized with adjustable deductibles and coverages. See what you can purchase for your Cadillac in our Allstate review.
- Milewise Insurance: A low-cost Cadillac insurance option if customers drive under 10,000 miles annually.
- Availability: Cadillac customers can buy Allstate auto insurance in any state.
Cons
- Cadillac Claim Satisfaction: Allstate’s claim satisfaction levels are low.
- Young Driver Rates: Young Cadillac owners will have higher quotes than older drivers.
#2 – State Farm: Best for Customer Service
Pros
- Customer Service: A major appeal of State Farm is its local agents who can assist Cadillac customers.
- Cadillac Discount Options: Customers should visit State Farm’s discount list to make sure they are getting the cheapest Cadillac rates, as State Farm has numerous saving options.
- Cadillac Coverage Options: Cadillac owners can pay a little extra each month to add on coverage options like roadside assistance. Learn more in our review of State Farm.
Cons
- A.M. Best Rating: State Farm has low financial ratings compared to other Cadillac companies.
- Limited Online Cadillac Policy Management: Customers who like managing policies online may not like that agents must be contacted to make most changes at State Farm.
#3 – Geico: Best for Many Discounts
Pros
- Many Discounts: Cadillac owners can lower rates by applying for several discounts, such a bundling discount when buying Geico renters insurance or home insurance with car insurance.
- Online Convenience: Geico is a good choice for Cadillac owners who like the freedom to manage their policies from their phones.
- Cadillac Roadside Assistance: Have an older Cadillac? You can add roadside assistance for breakdowns and tows.
Cons
- Cadillac Services are Remote: Geico doesn't station local agents, but instead provides services remotely.
- Doesn’t Sell Gap Insurance: Cadillacs with leases can’t buy this extra protection from Geico.
#4 – Progressive: Best for Budgeting Tool
Pros
- Budgeting Tool: Progressive’s free tool helps Cadillac owners on a budget calculate an affordable policy option.
- Snapshot Program: Cadillac drivers will save with this free program if they are safe drivers.
- Coverage Options: Cadillac vehicles can be protected with several optional coverages, such as gap coverage. Our Progressive review goes into more detail about insurance options.
Cons
- Snapshot Rate Changes: A low score in the program could make rates worse for Cadillac customers.
- Cadillac Customer Reviews: The overall satisfaction from customers could rated higher.
#5 – Nationwide: Best for Bundling Discount
Pros
- Bundling Discount: Cadillac owners who want to keep all their policies at Nationwide can get a discount for bundling. Learn what is offerd in our Nationwide insurance review.
- Vanishing Deductibles: Nationwide reduces deductibles on coverages for Cadillac owners who stay claims-free.
- Pay-Per-Mile Insurance: Low-mileage Cadillac owners can opt for SmartMiles, which charges a base monthly rate and then a per-mile fee.
Cons
- Few Local Agents: Cadallic customers will receive most of their support virtually.
- Cadillac Customer Reviews: Overall satisfaction could improve.
#6 – Farmers: Best for Group Discounts
Pros
- Group Discounts: Farmers has Cadillac discounts for multiple cars or multiple drivers on one policy.
- Coverage Options: Cadillac policies can have as little or as much coverage as a customer desires. Read more in our Farmers review.
- Adjustable Deductibles: Cadillac owners can choose what deductible they want on their coverages.
Cons
- Cadillac Claim Reviews: Satisfaction levels are lower than at some of Farmers’ competition.
- Must Buy Accident Forgiveness: Accident forgiveness is free at most companies, but Farmers requires Cadillac customers to pay for it.
#7 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: A first accident could be forgotten if Cadillac drivers have a clean record.
- Coverage Options: Cadillac vehicles can be insured with extras like gap coverage.
- 24/7 Assistance: Liberty Mutual has constant customer support for Cadillac owners.
Cons
- Bad Driver Rates: Cadillac coverage will be less affordable if drivers have a DUI or multiple accidents.
- Cadillac Customer Reviews: Satisfaction levels could be higher, as you can see in our Liberty Mutual review.
#8 – Travelers: Best for Industry Experience
Pros
- Industry Experience: Travelers is a well-respected, experienced company when it comes to auto insurance coverage.
- Financial Rating: Financial managment is rated highly by A.M. Best compared to other Cadillac companies. For a complete look at Travelers ratings, read our Travelers review.
- IntelliDrive Program: Cadillac customers who successfully complete IntelliDrive will have lower rates.
Cons
- IntelliDrive Rate Changes: Cadillac customers who do badly in the program may have rate increases on their Cadillac policy.
- Cadillac Customer Reviews: Not all feedback from customers is positive.
#9 – American Family: Best for Student Discounts
Pros
- Student Discounts: Good students can lower Cadillac rates by showing proof of grades.
- Loyalty Rewards: Cadillac owners who are repeat customers could earn discounts through the company’s rewards program.
- Coverage Options: Cadillac vehicles can be insured with extras like rental reimbursement coverage. Learn more about coverages by reading our American Family review.
Cons
- Online Tools for Cadillac Customers: There may be fewer management options available online because of American Family's local agent availability.
- Bad Driver Cadillac Rates: Coverage could be expensive for Cadillac drivers with bad driving records.
#10 – USAA: Best for Military Benefits
Pros
- Military Benefits: USAA customers get discounts on travel and more with their membership. Learn more in our USAA review.
- Cadillac Customer Service Ratings: USAA has received high ratings for customer satisfaction.
- Coverage Options: USAA sells great coverages for Cadillacs like roadside assistance.
Cons
- Eligibility Restrictions: Cadillac insurance is sold only to military and veterans.
- Very Few Local Agents: Services will be remotely provided for most Cadillac customers.
Top Cadillac Companies Rates and Discounts
When shopping for Cadillac auto insurance, customers will find that rates vary based on what coverage they choose, along with other factors like age, credit score, and more.
Minimum coverage is the cheapest option that is required by states, and usually consists of at least liability coverage. However, it does not offer the best protection to Cadillac owners like full coverage does (Learn More: Liability vs. Full Coverage).
Take a look at the table below to see how much full coverage and minimum coverage costs on average at the best Cadillac insurance companies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $61 | $180 |
| American Family | $43 | $165 |
| Farmers | $53 | $170 |
| Geico | $29 | $130 |
| Liberty Mutual | $68 | $200 |
| Nationwide | $44 | $160 |
| Progressive | $39 | $150 |
| State Farm | $33 | $145 |
| Travelers | $37 | $155 |
| USAA | $29 | $140 |
Average rates for Cadillacs are higher than for other vehicles, as Cadillacs cost more to repair or replace. However, this doesn't mean that Cadillac owners can't still reduce their rates.
All of the best Cadillac companies on our list have auto insurance discounts to help customers save on insurance, as you can see in the table below.
Multi-policy discounts are a top saver at most insurance companies, along with good driver discounts.
Finding the Best Cadillac Car Insurance Company for You
Allstate, State Farm, and Geico are the best Cadillac car insurance companies for most drivers. If you are ready to buy car insurance for your Cadillac, we recommend starting with these companies for quotes.
For more options, you can also use our free tool to find the best Cadillac car insurance from companies near you.
Frequently Asked Questions
Are Cadillacs reliable cars?
Cadillacs rate about average for reliability, so they aren't the best on the market.
Is Cadillac considered a luxury?
Yes, Cadillac produces luxury vehicles.
Are Cadillacs more expensive to insure?
Yes, Cadillacs are more expensive to insure because Cadillac is a luxury brand. Luxury car models cost more to replace and repair, which drives up the cost of insurance policies (Learn More: Car Make and Model: How does it affect your car insurance rates?).
Why are Cadillac oil changes so expensive?
Cadillac oil changes are likely more expensive because a higher quality of oil is used.
Is Cadillac a high-maintenance car?
Yes, Cadillacs are considered a high-maintenance car due to repair costs.
What is the best insurance for luxury cars?
The best insurance for luxury cars is full coverage insurance, which is collision and comprehensive insurance combined with state minimum insurance (Read More: Collision vs. Comprehensive Coverage).
Which insurance company is best for car insurance for Cadillacs?
Allstate is the best car insurance company for Cadillacs. For more great Cadillac insurance options, compare rates with our free quote tool.
Who is the parent brand of Cadillac?
General Motors is the parent brand of Cadillac.
What does CTS mean in Cadillac?
CTS stands for Catera Touring Sedan.
Does credit score affect car insurance for Cadillacs?
Yes, credit score is used in some states as a price factor (Read More: How does my credit score affect my insurance premium? ).