2026 Cadillac XT5: real cost in Ontario
See the XT5 on Cadillac's site ↗Prices read 2026-11-07
Cheapest trim, Luxury FWD · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$51,199the advertised price
Drive away$62,085with fees and HST
Loan payment$960/mo72-month loan at 6.5%, $5,000 down
True cost$1,458/moeverything, after resale
$62,085 to drive away + $65,647 to run it for 6 years − $22,779 back at resale = $104,953, or $1,458 a month.
Where the money goes
Drive away$62,085
Running it, 6 yrs+$65,647
Back at resale−$22,779
Sticker pricethe advertised MSRP
+$51,199Feesfreight $2,900 · dealer $699 · levies $145
+$3,744HST, 13%Ontario
+$7,143Fuel18,000 km a year at 9.7 L/100 km
+$16,238Insuranceestimate, age 35–59, Toronto
+$13,923Lost return on your money5% a year on the down payment and each payment
+$12,714Loan interest6.5% over 72 months
+$12,006Maintenanceestimate
+$10,675Registration and plates6 years in Ontario
+$91Resale after 6 years44% of MSRP, you get this back
−$22,779True cost $104,953 ÷ 72 months$1,458 a month
The car
Size and space
Seats5
Cargo850 Lbehind row 2
Engine and fuel
Engine235–310 hp gas, FWD, AWD
0–100 km/h5.8–7.2 sour estimate from power and weight
Fuel use9.7–11.2 L/100 kmNatural Resources Canada
TowingUp to 3,500 lb
Tires18"225/60R18
Safety and cover
US crash test✓ 5 of 5 starsNHTSA · see the test ↗
Insurance claimsAbove averagecollision 128 · theft 92 · injury 78 (100 = avg)
Resale at 6 years44% of MSRPaverage for its type
Every trim
All trims: 5 seats.| Luxury FWD | $51,199 | $62,085 | $104,953 | ✓ $1,458/mo | 1,000 | 9.7 L/100 km | — No | — No | — No | — No |
| Luxury AWD | $53,699 | $64,910 | $109,365 | $1,519/mo | 1,000 | 10.1 L/100 km | — No | — No | — No | ✓ Yes |
| Premium Luxury | $62,799 | $75,193 | $120,800 | $1,678/mo | 1,000 | 10.1 L/100 km | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Premium Luxury | $67,894 | $80,950 | $129,071 | $1,793/mo | 3,500 | 11.2 L/100 km | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
| Sport | $69,999 | $83,329 | $131,708 | $1,829/mo | 3,500 | 11.2 L/100 km | ✓ Yes | ✓ Yes | ✓ Yes | ✓ Yes |
Luxury FWD
✓ $1,458/mo
True cost
Luxury AWD
$1,519/mo
True cost
Premium Luxury
$1,678/mo
True cost
Premium Luxury
$1,793/mo
True cost
Sport
$1,829/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it. + $ is the cheapest factory option or package that adds it (hover for its name).Feature
Luxury FWD$51,199
Luxury AWD$53,699
Premium Luxury$62,799
Sport$69,999
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ from Premium Luxury
Rear cross-traffic alert
✓ from Premium Luxury
Adaptive cruise
+ $1,625
✓ from Sport
360° camera
✓ from Premium Luxury
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Cooled seats
+ Option
✓ from Sport
Heated steering wheel
✓ Every trim
Heated rear seats
+ Option
✓ from Sport
Dual-zone climate
✓ Every trim
Convenience
Push-button start
✓ Every trim
Remote start
✓ Every trim
Power liftgate
✓ Every trim
Wireless phone charging
✓ from Premium Luxury
Power driver's seat
✓ Every trim
Memory seat
✓ from Premium Luxury
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Built-in navigation
✓ from Premium Luxury
Premium sound system
✓ Every trim
Head-up display
✓ from Premium Luxury
Capability and looks
AWD or 4WD
✓ from Luxury AWD
Tow hitch included
+ $735
Sunroof
✓ from Premium Luxury
LED headlights
✓ Every trim
Not listed on any trimLane centeringHands-free drivingMassaging seatsLarge touchscreen (12 in+)Panoramic roof
Full standard equipment on the Luxury FWD (88 items)
- 2.0L Turbo 4-cylinder engine
- 9-speed automatic transmission with 2.0L Turbo engine
- Axle, 3.47 ratio
- Automatic Stop/Start disable switch
- Electronic Precision Shift
- Driver Mode Selector
- Front-wheel drive
- 170-amp alternator
- 4-wheel independent suspension
- Electric Power Steering (EPS) Assist
- Brakes, active control
- 4-wheel antilock disc brakes
- Electronic parking brake
- Capless Fuel Fill
- Cadillac user experience
- Antenna, roof-mounted
- SiriusXM with 360L 6-month Trial Subscription
- Bose premium 8-speaker audio system
- Wi-Fi Hotspot capable
- Wireless Apple CarPlay/Wireless Android Auto capability for compatible phones
- Front bucket seats
- Seat trim, Inteluxe seating surfaces
- 6-way power front passenger seat adjuster
- Heated driver and front passenger seats
- Second row 60/40 seat with slide and recline
- Colour-keyed floor mats
- Manual tilt and telescoping steering column
- Wrapped steering wheel
- Heated steering wheel
- Remote Start
- Compass display
- Cruise control
- Power door locks
- Dual diagonal colour Driver Information Centre
- Keyless Open
- Power windows
- Cabin humidity sensor
- Universal Home Remote
- USB ports
- Dual-zone automatic climate control
- Cabin Air Filter
- Rear air vents
- Rear window defogger
- Glovebox, lockable
- Inside rearview manual day/night mirror
- 18" Multi-Spoke alloy wheels with Bright Silver finish
- 18" all-season tires
- 18" spare steel wheel
- Compact spare tire
- Bright brushed aluminum roof rails
- Rear spoiler
- Active aero shutters
- Automatic on/off headlamps
- LED headlamps
- IntelliBeam
- Front cornering lamps
- Rear side marker lamp
- Deep-tinted glass
- Body-colour heated power outside mirrors with integrated turn signal indicators
- Windshield, acoustic laminated, windshield and front door glass
- Front intermittent wipers
- Rear intermittent wiper
- Body-colour door handles with chrome strip
- Power liftgate
- Automatic Emergency Braking
- Front Pedestrian Braking
- Electronic traction control
- LED Daytime Running Lamps
- Passenger Sensing System
- 7 airbags
- OnStar services capable
- OnStar Basics
- Front and Rear Park Assist
- HD Rear Vision Camera
- Following Distance Indicator
- Forward Collision Alert
- Lane Keep Assist with Lane Departure Warning
- Safety Alert Seat
- Rear Seat Reminder
- Rear child security door locks
- Teen Driver
- Road emergency tool kit
- Horn, dual note tone
- Premium Care Maintenance program
- New Vehicle Limited Warranty
- Corrosion Protection
- Powertrain Limited Warranty
- Roadside Assistance Program
Recalls in Canada
2 Transport Canada recalls for 2024 to 2026 XT5 models. Most are fixed free by a dealer; a new car should have them done before delivery. Ask the dealer to check the VIN.
Lights and instruments2024, 2025 · 225 vehicles
On certain vehicles, a software problem could cause the tell-tales for the turn signals, hazard warning lights and/or high beams to not appear on the instrument panel.Recall 2024359 at Transport Canada ↗Structure2024 · 5 vehicles
On a small number of vehicles, the windshield may not be attached properly.Recall 2023549 at Transport Canada ↗Quick answers
- How much is a 2026 XT5 in Ontario?
- $62,085 to drive away for the Luxury FWD, from a $51,199 sticker.
- What does it cost a month?
- A $960 loan payment, about $1,528 a month with insurance, fuel and upkeep ($5,000 down); about $1,458 a month all in, after resale.
- How much can it tow?
- 3,500 lb for the Premium Luxury and Sport; 1,000 lb for every other trim.
Colours
Argent Silver MetallicStellar Black Metallic+$900Opulent Blue Metallic+$900Emerald Lake Metallic+$900Crystal White Tricoat+$1,535Radiant Red Tintcoat+$1,535
Similar SUVs
Prices from Cadillac's Ontario build-and-price page, read 2026-11-07. Insurance and maintenance are estimates. How we count.